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What types of debt should be avoided?
Getting into debt or borrowing money at certain stages of our lives can be unavoidable. As a young adult, you might need to borrow…
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Resources and Education – Insights and Tips – Nectar Money
Keen to better manage your personal finances or understand how personal loans work? We explain how to make better financial decisions, regardless of your personal situation.
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Moving house and feeling the squeeze? When debt consolidation really helps
Moving house can change a household budget quickly. Rent or mortgage costs, insurance, utilities, transport and one-off setup expenses may all look different, while…
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Debt Consolidation After Parental Leave: When It Helps and When It Costs More
Quick answer A debt consolidation loan can be useful after parental leave when it replaces several expensive or difficult-to-manage debts with one affordable repayment,…
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Secured Car Finance or a Personal Loan? A Practical NZ Decision Guide
Quick answer A personal loan can make sense when you want flexibility over the car you buy, prefer to own the vehicle without it…
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Debt consolidation when one partner carries most of the repayments: what NZ households should compare
Quick answer Debt consolidation can be worthwhile when it replaces several expensive or difficult-to-manage debts with one affordable repayment, without stretching the repayment term…
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EV finance in NZ: check the charger before you check the weekly repayment
Quick answer Before choosing finance for an EV, price the car and its charging setup as one ownership decision. Check whether the loan can…
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Debt consolidation when one partner pays most of the bills: what NZ households should check
Quick answer Debt consolidation may improve your position when it combines several debts into one manageable repayment, reduces payment friction and does not materially…
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Overtime Has Fallen: Is Debt Consolidation Still the Right Move?
Quick answer A debt consolidation loan can make sense after overtime income falls, but only if it leaves your overall position stronger—not just your…
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Choosing a Personal Loan for Funeral or Tangihanga Costs: Check the Weekly Fit First
Quick answer Before choosing a personal loan for funeral or tangihanga costs in New Zealand, check whether the repayments fit your lowest realistic weekly…
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EV Battery Replacement Finance in NZ: Check the Total Cost, Not Just the Weekly Repayment
Quick answer Before financing an EV battery replacement bill in New Zealand, check four things: whether the battery issue is covered by a warranty…
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