Two big reasons cited for billions in plunging debt.

OPINION: There are ways to get reluctant or forgetful people to pay up.

OPINION: A free financial mentor can help you out of a tight spot.

OPINION: At the very least, make sure you are actually paying into yours.

OPINION: You should be saving at least 10 per cent out of everything you earn.

Household lending was down 33 per cent in May compared to a year earlier.

OPINION: Your balance may be down but it's an ideal time to ensure it bounces back better.

EDITORIAL: There's a lot more pain to come for borrowers.

Around $10 billion in debt is unpaid in New Zealand every year.

What the break point could mean for you.

OPINION: Freeze anything and everything before it goes off.

OPINION: There are many cheap or even free courses you can sign up for.

OPINION: With the right motivation you can form new habits and change your ways.

OPINION: It's important you are both on the same page.

Opinion: The inflation crisis is a time to reassess your spending.

OPINION: Electronic wallets and digital currencies are taking over.

Cryptocurrencies and non-fungible tokens will be targeted to a greater degree.

OPINION: You may want to enjoy your wages for a while but it's a slippery slope to get on.

OPINION: If you are still paying for an unused service you are being bled dry.

OPINION: Yes it's expensive out there but don't be a cop-out.

OPINION: There are plenty of reasons to invest more thoughtfully.

OPINION: You may be covered for Covid-19 but not under a "do not travel" warning.

OPINION: You can be lucky with one company. But often it is just that ... luck.

OPINION: Could you survive on $50 a week?

Banks sent blunt warning that new lending laws would make banks more conservative.

OPINION: Some are more environmentally sound than others.

OPINION: Make sure you are prepared for a black swan event.