Be careful when taking on debt, so it doesn’t become a financial burden…

Things to think about before you borrow, to help you choose options suited to your financial needs and lifestyle

Understand the real cost of borrowing & what factors affect it

Manage debt to avoid unnecessary costs & prevent money problems
Where to get help if you need it

What is a credit rating, why it’s important & how to build a good one

Overview of borrowing options – pros & cons & what to check

Borrow a fixed sum & repay over a fixed length of time

Arrangement where you can withdraw more money than your account holds

Purchase now & pay later

High cost short term loan to tide people over to the next payday

Not-for-profit community cooperatives that enable members to access affordable financial services