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Ya know I've always had these thoughts but never really had someone to express them with. I truly agree and after even getting a $500 credit card all used I'm sitting here wondering how are we going to pay this off! Thanks for that.

I think it's inevitable that different governments will want to change KiwiSaver form time to time, just as they have done with the Student Loan scheme and things like Working for Families. If you don't want your retirement savings to be at the mercy of any one government, then your probably better off investing in a non-kiwisaver fund, which most banks or financial institutions still offer. You'll miss out on the employee and government bonuses, but you'll regain the consistency and control over whats going to happen to your money.

Thanks for the feedback . David from Sorted was on the Good Morning show today talking about this very subject... http://bit.ly/vA85v6

Seeing an ethical ad campaign, whose messages seem made just for me, makes me stop and think. The tips are practical. But - and it's a bit outside your brief, I realise - what can people do about the sense of inadequacy that drives them to "be generous" (read "paying $$$") with gift-giving? I'm considering homemade gifts, thanks to your campaign and my finances, but it's hard to think in terms of them being sufficient and not "cheap".

The proposed reduction in the repayment holiday from 3 years to 1 year is included in the Student Loan Scheme Amendment Bill, which was introduced to Parliament on September but is not law as yet. For details see http://taxpolicy.ird.govt.nz/news/2011-09-07-student-loan-scheme-amendment-bill-introduced

I believe from April 2012, you may only go on a repayment holiday for 1 year. It's also useful to note that while on a repayment holiday you don't have to repay anything which means every dollar (providing you reach the $500 minimum) earns you the 10% voluntary bonus.

By changing the conditions the contract has been broken and we must be allowed to retrieve our saving to re-invest.

Great idea. If you want to get rich ; earn more (incl. paying less interest) , spend less and make your money work for you. it's as straight forward as that

Get a PreNup...it just makes sense. The Property Relationships Act allows couples to opt out of the 50/50 sharing regime enforced by the Courts. Save legal fees and lawyers costs and draft a PreNup get it signed. The cost of a prenup contract is minimal relative to divorce proceedings or turning your property over to an expensive Trust.

i think it is a cute little mouse and it should have a name(maybe from the word sorted) like roste but not stuart.