How to stop living payday to payday – Diana Clement

When that happened, the couple sought advice through a mentor at Moneywise Manawatū. They were advised to use the No Asset Procedure, which is a type of insolvency, which enables people to clear existing debt. That gave them breathing room. Until discharged, however, the pair couldn’t borrow or get credit cards. “It’s like being blacklisted,” […]

How to eat your way through the streets of Southeast Asia

Eat. Sleep. Repeat. We were worried at first. That we’d get sick. That we’d spend days in servitude to the porcelain throne. But it never happened and I want you to be confident and empowered to do the same. Because of all the amazing sights, and sites, we visited, our night market ritual remains my […]

Naps can help improve your cognition. Here’s how to take a better nap

Taking an afternoon nap can boost mental acuity, according to a 2022 meta-analysis of 54 studies conducted by Chee, also a professor of medicine, and Ruth Leong, a postdoctoral researcher at the sleep centre. The researchers reported the greatest benefits for vigilance and memory, but the results also showed improved mental processing speed following a […]

How to manage your retirement savings in your golden years – Diana Clement

The 6% rule allows retirees to withdraw 6% of their total retirement savings annually. The money isn’t going to last as long, but research shows that people tend to spend less as they age, said Alison O’Connell, a member of the New Zealand Society of Actuaries who has a background in the pensions industry. The […]

How to break up with a friend – and why is it so hard to make new ones?

Unfollow. Cancel. Delete. If you want to know who (literally) doesn’t like you, just check your social media accounts. Consider on again, off again BFFs Demi Lovato and Selena Gomez. They met as child actors, starred together in Disney teen movies but then, adulthood. A Buzzfeed story on messy celebrity breakups breaks it down: “The […]

How to keep bread fresher for longer

Use a bread box A bread box provides an ideal environment for storing bread. It helps control humidity, allowing the bread to retain its moisture without becoming too soggy or too dry. Bread boxes also protect the bread from direct sunlight and excessive air exposure, both of which can accelerate staling. Freeze for long-term storage […]

How to bank better so your money goes further – Diana Clement

Better banking can help make your money go further. Photo / 123rf OPINION Banks make billions from us. So why not get a bit back by using their services more effectively? Start by opening sub accounts and earmark them for mortgage/rent, utilities/fuel, groceries, emergency fund, short term savings, long term savings, and fun. I did […]