Each week the NZ Herald and Newstalk ZB's Cooking the Books podcast tackles a different money problem. Today, it's what's changed in housing, and what it means for you. Hosted by Frances Cook.

This time last year when we tried to predict the future, the Herald’s money team was focused on instability.

Particularly international instability was a theme, with worries that Trump’s tweets, tension with China, and ongoing Brexit problems would cause ripples to New Zealand.

And yes, all of that turned out to be a big factor, one that led to KiwiSavers’ having some nail biting moments, and business confidence taking a couple of tumbles over the year.

But this year the turmoil could be closer to home.

We are heading into an election year, and the biggest thing every politician hopes to do is grab your attention by grabbing for your wallet.

So for the latest Cooking the Books I asked Herald business editor at large Liam Dann and money editor Tamsyn Parker, what the crystal ball tells us this time around.

If you have a question about this podcast, or question you'd like answered in the next one, come and talk to me about it. I'm on Facebook here https://www.facebook.com/FrancesCookJournalist/ Instagram here https://www.instagram.com/francescooknz/ and Twitter here https://twitter.com/FrancesCook