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It pays to know the ins and outs of overdrafts, including interest, fees, when this type of debt might work for you – and how to get support if you find it hard to stay within your overdraft limit.
Overdrafts are a form of short-term debt. They can be useful if you unexpectedly need extra funds – and have a plan to get your bank account back above $0.
Choosing the right limit can help you save on interest, reduce your debt faster, and keep your finances on track.
Check out ways to manage your overdraft and make repayments, so you can avoid paying more than you need to in interest and fees.
Putting a plan in place will help get your account above $0. Here are five simple tips for paying off your overdraft.
Both borrowers are responsible for repaying the debt, including interest. Know what to expect if one borrower can’t or won’t make repayments.
Higher everyday expenses and unexpected events can put added stress on you and your wallet. If you could use financial support, we’re here to help.
From tips on managing your money to financial support options, call us – please don’t go it alone.
Our hardship team may be able to offer extra support if you experience a hardship event, e.g. job loss, serious illness, a relationship breakdown.
Your budget is a key financial tool that helps you work out how much money you have left after paying essential expenses, e.g. power bills, rent, mortgage payments. If you don't have a budget, our free budget planner can help you create one.
The MoneyTalks service provides free, confidential and non-judgemental budgeting services throughout New Zealand.
Work out if a personal loan might suit your situation, then pick up tips on how to manage this debt well.
How to use debt in the right way for you, plus what to do if it’s difficult to repay what you owe.
From card limits to interest-free days, pick up tips on how to stay on top of your credit card debt.