Financial Hardship

If you are paying 20% to 25% interest on your credit card every month, you are likely stuck in a cycle where your minimum payments barely cover the interest, and the principal balance never goes […]

When an unexpected expense hits—like a broken-down car you need for work, or a final disconnection notice from your power company—panic can set in quickly. Many Kiwis make the mistake of turning to high-cost payday […]

When you are facing a mortgagee sale, a disconnected power supply, or aggressive debt collectors, every single day counts. If you have exhausted all other avenues and are applying for a KiwiSaver Significant Financial Hardship […]

Are you tired of juggling multiple loan repayments, credit card minimums, and store cards, feeling like you are never actually reducing the principal amount? You are not alone. In New Zealand, the rising cost of […]