Decorating your home on a budget doesn’t have to mean compromising on comfort or style. With a little creativity, it’s possible to transform your home into a stylish haven without breaking the bank. Read on to get three budget-friendly decorating tips as well as a guide to home improvement loans to help pay for those renovation projects. 1. DIY interior wall painting A simple and cost-effective way to refresh a living space is with a new coat of paint. You’ll be amazed at the impact interior painting can have on your home for a relatively low-cost investment. Choose colours that reflect your ..read more

Electric vehicles (EVs) are revolutionising the automotive industry, offering a cleaner and more sustainable alternative to traditional petrol and diesel-powered cars. In New Zealand, the popularity of EVs is on the rise, driven by environmental consciousness, government incentives, and the rising cost of fuel. If you’re considering switching to an electric vehicle, here’s some help to make your transition smoother. In this guide you’ll find the reasons why it could make sense to switch to an EV, and how to secure car loans for electric vehicles. Reasons to consider an EV Environmental benefi ..read more

Planning a Christmas getaway, but struggling to save up the cash? Using holiday loans to help pay for your holiday and travel-related expenses can be a smart financial move. To help you decide if holiday loans are right for you, find out what holiday loans are, what expenses they cover, and get our top tips for planning the finances for your Christmas getaway. What are holiday loans? A holiday loan is a type of personal loan specifically designed to cover holiday-related expenses. It allows you to borrow an amount of money to pay for your holiday, whether that’s for flights, accommodation, gif ..read more

Marriage may be the joining of two people in love, but it can also bring financial ties that have a lasting impact. If you’re looking to secure personal loans, you may be wondering how your spouse’s bad credit and debt situation could influence your own borrowing capacity and credit score. Find out what impact your spouse’s financial history, both before and during marriage, could have, and get strategies to improve your financial situation together. Applying for NZ personal loans Credit scores are calculated based on an individual’s credit history, so when you apply for NZ personal loans, len ..read more

Around the world and here in New Zealand, the cost of goods and services, such as fuel, groceries and utilities, has continued to rise, making it increasingly harder for families and individuals to manage living costs and juggle existing debt. But with careful planning and a few smart financial strategies, it’s possible to navigate the complexities of inflation. How inflation impacts the cost of living Inflation is a measure of how much the price of goods and services has increased over a period of time. An inflation rate of 7 per cent, for example, means that on average a typical household gr ..read more

Ready to escape the winter blues? Whether you’re planning to revamp your home with a winter renovation project or dreaming of getting away on a winter holiday, take a look at these helpful tips to get the most out of the winter weather, along with finance options to help with the costs. Prepare your home for winter Keeping your family healthy during winter means ensuring your home is warm, dry and free of condensation, while installing energy-efficient heating and insulation helps avoid expensive power bills. If your home isn’t winter-ready yet, plan a winter renovation project to get your hom ..read more

It can be challenging getting personal loans as a visa holder in New Zealand. Whether it’s because you’re unfamiliar with New Zealand’s credit system, you have no credit history, you’re unsure of which lenders to apply with, or the validity of your visa is holding you back, here are some tips that could set you up for success if you’re struggling to get personal loans as a visa holder in New Zealand. Getting personal loans as a visa holder Depending on the type of visa you hold, you may be eligible for personal loans with some lenders, even if you aren’t able to access all types of lending. Be ..read more

Most parents breathe a sigh of relief at the end of the school holidays and look forward to having children back at school. But back to school can be a stressful time for many parents in New Zealand. The overwhelming cost of school shoes, lunchtime essentials, books and stationery can leave a huge hole in the budget. And with most children requiring a digital device for online learning, it’s easy to see why so many Kiwis struggle with already overstretched finances. To help you ease the financial stress, we’re sharing our top tips for parents. 1. Make a list Our first tip is to determine what ..read more

Credit defaults can have a major impact on your ability to access credit. Lenders view credit defaults as an indication that you’ve struggled to repay debt in the past. And they may decide not to approve future credit applications. While credit defaults cannot be removed from a credit file for 5 years if the default was not listed in error, there are some things you can do to improve your credit situation. Here’s a closer look at what credit defaults are and how to reduce their negative impact on your credit file. 1. What is a default on a credit file? A credit default is an unpaid debt that h ..read more

Debt consolidation can help simplify your finances and potentially improve your credit score and lending profile in the long run. If you’re currently paying off more than one loan, struggling to make your repayments on time, or feeling overwhelmed by the amount of credit card and other high interest debt you’re carrying, debt consolidation could be right for you. Find out everything you need to know about consolidating debt in this ultimate guide to debt consolidation. What is debt consolidation? Managing repayments to different credit providers each month can be confusing, and it’s not uncomm ..read more