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   Debt might seem intimidating at first, but it doesn't have to be! Some debt can actually be good for you and help you achieve your goals. So, how do you know which debt is worth taking on and which debt to avoid (or keep to a minimum)? As we’ll see, it depends on the type of debt, but also how you manage it. Read on to learn more.  

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   In a higher interest rate environment, securing an appropriate personal loan or vehicle loan requires a strategic approach. So, here are some key factors to pay attention to and think about. 

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   Navigating your finances during tough economic times can be a challenge, but it doesn't have to be overwhelming. With the right mindset and strategies, you can still save money and work towards your financial goals.

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   When applying for a loan, it's essential to understand the factors that can influence your approval and the interest rates you're offered. These include:

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   Tackling loan repayments can be overwhelming, but the sooner you pay off your loans, the more you can save on interest and the quicker you achieve financial freedom. So, here are some practical strategies to help you get debt-free faster. Remember to always check if there are any penalties imposed by your lender for any repayments above your contracted amount, before deciding to make additional repayments or increase existing repayments.

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   Working towards a higher credit score may open up a wealth of opportunities, such as favourable loan terms and lower interest rates on credit and personal finance. Here's a handy guide with practical tips to help you enhance your credit score, step by step.

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   Don't let unexpected expenses ruin your next trip! We've all been there: we budget for the big-ticket items like flights and hotels, only to be caught off guard by hidden costs. So, here’s a quick guide to help you plan and budget for the unexpected expenses that can arise when travelling.

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   Do you know how much money you’re spending on subscriptions every month? It may be more than you think. In the US, a study by C+R Research found that almost one in three consumers underestimated their annual subscription spending by $100 to $199…
   

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   With most countries’ borders open again, your long dormant travel bug is probably wide awake by now. Wherever you’re headed next, here’s a handy guide to make sure that your budget goes as far as possible. But first… 

1. Need a loan for your new set of wheels? Here at better™, we’re all about helping Kiwis finding the right vehicle finance solutions for their needs. But with so many different options available, how do you find ‘the one’?

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Grab pen and paper: here are some key features and benefits you need to look at.

1. Are you dreaming of a much-needed vacation but worried about the cost? Here are some practical steps to plan a holiday budget that will keep you on track, before and during your trip.

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Do you find yourself always holding back on spending, even when you could splurge a little? Or maybe you’re someone who spends impulsively, leaving little room for saving?