Guides

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How to shop smarter using pay-later options

Pay-later options can be a helpful way to spread out the cost of something over time with no charges added...

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Before borrowing

Debt comes in many forms – credit cards, hire purchase, car loans, personal loans, mortgages, student loans. There's no shortage...

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Get out of debt fast

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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Credit reports

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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Knowing 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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Consolidating debt

‘Consolidating’ debt means taking out a new loan to wrap all our existing debts together and pay them off at...

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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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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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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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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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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 a fine

No-one likes fines, but the quicker we pay them the better off we’ll be. Unpaid fines can end up costing...