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Debt & Credit
Understand how debt works and build a clear plan to get out of it.
3 guides in this topic
5 min
Avalanche vs snowball: which debt payoff method is right for you?
You have multiple debts and limited extra money to throw at them. The maths says one approach is better. The psychology says something different. Here's how to decide.
21 April 2026Read
5 min
Buy Now Pay Later in New Zealand: the cost that doesn't look like a cost
Four easy payments. No interest. Sounds harmless. But BNPL debt in New Zealand has grown faster than almost any other form of consumer credit — and most people using it don't think of it as debt at all.
21 April 2026Read
5 min
How credit card interest actually works (the maths might surprise you)
You know credit cards charge interest. But most people dramatically underestimate how fast it compounds — and how long it takes to pay off a balance if you only make the minimum payment each month.
21 April 2026Read