The Credit & Debt Guide
The Credit & Debt Guide
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For educational purposes only. This guide does not constitute personalized financial, investment, tax or legal advice.
About this guide
Credit · APR · Debt · Repayment
Credit explained in plain language, and a way to get every balance you owe onto one page so you can see what each one is actually costing you.
Cards, loans, APR, interest, minimum payments, utilisation and what does and does not affect a credit score — plus how repayment strategies work in general terms, so you can decide what fits your situation.
Terms you'll finally understand.
Every one of these is explained the first time it appears, in language that assumes nothing.
No jargon left hanging.
What the guide covers
Concepts you can actually see.
The guide works through examples laid out like this, so an idea lands as a picture rather than a paragraph you have to re-read.
Debt overview
CreditExample figures, used to illustrate the concept. Not a projection or a recommendation.
Written for people starting from scratch.
No background assumed, no prior reading needed. If any of these sound familiar, this is the right place to start.
You have balances on more than one card
You have never worked out what the interest costs you
APR has always been a number you skipped past
You want the full picture before deciding anything
Ready to see the full picture?
Understand credit, manage debt and borrow more wisely.
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