Each week the NZ Herald and Newstalk ZB's Cooking The Books podcast tackles a different money problem. Today, it's the techniques used by ordinary people to pay off big debt. Hosted by Frances Cook.

Most of us know that debt isn't good, but it's shocking how normalised it has become to use it anyway.

Any time you use debt, you're paying extra money to get the same thing, because of the pesky interest rates you'll be charged.

It can quickly spiral out of control, with some people building up tens of thousands on the credit card.

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Meanwhile, house prices have

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