Penina Petersen and her husband transformed their $53,000 debt into a $796,000 net worth. Photo / Supplied

Penina Petersen and her husband transformed their $53,000 debt into a $796,000 net worth. Photo / Supplied

You can keep more cash in that wallet if you change your shopping habits. Photo / 123RF

You can keep more cash in that wallet if you change your shopping habits. Photo / 123RF

Revolving mortgages let Kiwis dip into home equity without even asking the bank. Photo / Alan Gibson

Revolving mortgages let Kiwis dip into home equity without even asking the bank. Photo / Alan Gibson

Talking about non-offensive money stuff is a great way to learn what works for others and may benefit you. Photo / 123rf.

Talking about non-offensive money stuff is a great way to learn what works for others and may benefit you. Photo / 123rf.

The traditional Kiwi retirement won't be sustainable on our current economic trajectory. Photo / APN

The traditional Kiwi retirement won't be sustainable on our current economic trajectory. Photo / APN

One of the insurance risks with teens is that they have a party when you're away and their guests steal or damage the property. Photo / Thinkstock

One of the insurance risks with teens is that they have a party when you're away and their guests steal or damage the property. Photo / Thinkstock

Car owners contributed just over $1 billion to ACC last financial year; now a reduction in the amount they have to pay has been proposed. Photo / Brett Phibbs

Car owners contributed just over $1 billion to ACC last financial year; now a reduction in the amount they have to pay has been proposed. Photo / Brett Phibbs

Photo / Getty Images

Photo / Getty Images

Giving free advice to family or friends can be ultimately more worthwhile than handing out money. Photo / Getty Images

Giving free advice to family or friends can be ultimately more worthwhile than handing out money. Photo / Getty Images

Putting it on the house might deliver short-term happiness, but it won't help you get by in retirement.

Putting it on the house might deliver short-term happiness, but it won't help you get by in retirement.

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