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Tackling debt
Before borrowing
Getting out of debt
Going into debt
Tackling debt
Going into debt
How to use buy now pay later loans like Afterpay or Zip
Buy now pay later can be a helpful way to spread out the cost of something over time with no…
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Before borrowing
What you really need to know before you use credit
Debt comes in many forms – credit cards, hire purchase, car loans, personal loans, mortgages, student loans. There's no shortage…
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Getting out of debt
How to get out of debt quickly
The longer we take to pay off debt, the more it costs us. So if there’s room in the budget,…
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Before borrowing
How credit reports and scores work
We’re getting identified more and more by our credit reports these days. When businesses decide whether to lend us money,…
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Getting out of debt
Know your rights
Understanding your rights as a consumer and as an investor can make a big difference should things go pear-shaped.
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Getting out of debt
Pros and cons of debt consolidation
‘Consolidating’ debt means taking out a new loan to wrap all our existing debts together and pay them off at…
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Going into debt
Credit cards
Credit cards are an easy way to pay for things with a quick swipe or tap, but they can be…
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Going into debt
Car loans
Most vehicles – unless they’re classic cars – quickly go down in value, not up. So borrowing to buy a…
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Going into debt
Personal loans
People use personal loans to pay for all kinds of things – weddings, renovations, holidays or consolidating their debts. They’re…
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Going into debt
Interest-free deals and hire purchase
With an HP we can take home a product and use it while we’re paying it off. It can seem…
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Going into debt
Student loans
Borrowing to study can be a great opportunity, although it’s important not to borrow more than we need.
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Getting out of debt
What to do if you get a fine
No-one likes fines, but the quicker we pay them the better off we’ll be. Unpaid fines can end up costing…
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Getting out of debt
What happens if I start to struggle with moni?
With things like buy now pay later loans or a credit card, shops make it too easy to buy. Here’s…
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