Tackling debt

Going into debt

Buy now pay later: safe ways to use Afterpay without getting stung

Buy now pay later lets us get what we want without waiting, but it’s also a type of debt that…

Read more about Buy now pay later: safe ways to use Afterpay without getting stung

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…

Read more about What you really need to know before you use credit

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,…

Read more about How to get out of debt quickly

Before borrowing

How to get free credit reports in New Zealand and improve your credit score

What’s a credit report, are they a thing in New Zealand, how do you check your credit score and how…

Read more about How to get free credit reports in New Zealand and improve your credit score

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.

Read more about Know your rights

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…

Read more about Pros and cons of debt consolidation

Going into debt

The smart way to use a credit card

Credit cards are an easy way to pay for things with a quick swipe or tap, but they can be…

Read more about The smart way to use a credit card

Going into debt

Car loans

Most vehicles – unless they’re classic cars – quickly go down in value, not up. So borrowing to buy a…

Read more about Car loans

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…

Read more about Personal loans

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…

Read more about Interest-free deals and hire purchase

Going into debt

Student loans

Borrowing to study can be a great opportunity, although it’s important not to borrow more than we need.

Read more about Student loans

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…

Read more about What to do if you get a fine

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…

Read more about What happens if I start to struggle with moni?