Each week the NZ Herald and Newstalk ZB's Cooking The Books podcast tackles a different money problem. Today, it's why your history with debt matters, even if you think you've got it under control. Hosted by Frances Cook.

Debt can be the scary bogeyman under the bed.

We all know debt isn't a good thing, but when life gets in the way, it's an easy shortcut to fixing certain problems.

But if that debt starts to spiral out of control, the response from many of us is to ignore it.

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Pretend the mounting credit card bill isn't a problem, that

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