Debt guides: borrow wisely and get out of debt
How to borrow wisely and how to get out of debt: good debt versus bad debt, flat-rate versus reducing-balance loans, the true cost of app loans, and a step-by-step plan to pay down what you owe on a low income. Use our loan calculator to check the real cost before you sign.
Work it out: Loan calculator
Flat rate vs reducing balance: how to compare loans honestly
Two loans with the same rate can cost very different amounts. How flat and reducing balance interest work, with a worked example.
Good debt vs bad debt: when borrowing makes sense
Some borrowing builds your future; some drains it for years. How to tell good debt from bad debt before you sign.
The digital loan trap: why mobile and app loans get so expensive
Quick app loans can turn into a cycle of borrowing to repay. How the digital loan trap works, the warning signs and how to escape.
How to get out of debt on a low income
Paying every month but the balances barely move? A clear, step-by-step plan to get out of debt without a big pay rise.