Get out of debt

Lessons

1. 1 How to pay off debt in New Zealand: avalanche or snowball? How to pay off several debts in New Zealand: the avalanche and snowball methods, which saves more, and how to pay less interest, with a worked example. 3 min read Mark as done : How to pay off debt in New Zealand: avalanche or snowball?
2. 2 Buy now, pay later in NZ: costs, credit and the rules How buy now, pay later works in New Zealand, what it costs when you miss a payment, how it affects your credit and a home loan, and the rules that protect you. 3 min read Mark as done : Buy now, pay later in NZ: costs, credit and the rules
3. 3 Credit scores in NZ: what affects yours and how to raise it How credit scores work in New Zealand, the three credit bureaus, what lenders look at, how to check your report free and how to improve your score. 2 min read Mark as done : Credit scores in NZ: what affects yours and how to raise it
4. 4 Help with debt in NZ: free advice and formal options Where to get free, confidential help with debt in New Zealand, how to ask lenders for hardship help, which bills to pay first, and the formal debt options. 3 min read Mark as done : Help with debt in NZ: free advice and formal options