Maintaining a good credit score is more important than you think. Under New Zealand’s Comprehensive Credit Reporting system, both positive and negative data is collected by credit bureaus in your credit file and can be used by credit providers when making a credit decision. If you...
The day your pay cheque arrives may present highly anticipated opportunities to splurge on an extra nice meal or to go out to the movies, but it also presents the need to practise restraint and exercise some self-discipline. Not all of us have heaps of...
If you currently have a car loan, you may want to consider refinancing to improve loan terms, and lessen your financial burden. Refinancing a car loan involves obtaining a new loan to pay off the balance of your current car loan. People refinance to score...
Personal loans are beneficial for numerous reasons. They’re designed to provide you with the money you need quickly, along with the opportunity to pay it off on a short-term basis. This means that the sooner you pay back your loan, the less you pay in...
For many, a debt consolidation loan seems like a solution for other people with more financial know-how. This is an unfortunate misconception. The reality is, debt consolidation is a practical and effective means to regain control of your finances. If you’re struggling with overdue bills, credit...
Renovations can be daunting projects. With so many tiny details to worry about, it can be easy to forget that financing is one of the first issues that needs to be solved in any renovation project. So, what’s the best way to pay for a renovation...
Everybody can request their credit report for free, but can everybody understand it? Your credit report contains a wealth of information about you and your finances. Altogether, it can be a lot to process. Fortunately, it doesn’t have to be. Although credit reports can be a...
Your credit report takes into account many different factors, from mortgages and personal loans, to credit cards, financing, and bill payments. All these elements combine to form a snapshot of your credit history that affects your future loan applications. Believe it or not, your credit...
Are you ready for a new set of wheels? If you’re considering a new car, you may well be wading into the world of car finance. A car loan is necessary for most people, since few have the savings lying around to pay cash for...
Who doesn’t love to travel? Taking in the sights and sounds of distant lands, mingling with the locals in a different culture, partaking of the local food on faraway streets; travel does much more than recharge our batteries. It enriches us, broadening our understanding of...
