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Credit card can be dangerous! Many people in New Zealand today find themselves buried by inescapable debt that can be traced back to being overzealous in the use of their credit card. Sure, credit cards are handy. They provide an easy way to purchase things online or if you don't want to carry cash around with you, but it's so easy to forget when you buy something with your card, you are incurring a debt. And, once you get into credit card debt, it can be very difficult to get out of.

The team at Futurisk have three rules regarding personal finance: Spend less than you earn, Pay off debt, Don't go into debt This article expands on those rules - do these nine things and you need never worry about your finances again.

Life insurances can be pretty confusing. There are so many products out there, and you never quite know which ones are best for you. And then, having decided on the type of insurance, there's the question of how much should you insure for? And when should you start with life insurance?

If we were buying a new appliance or vehicle, we'd shop around. If we wanted some new computer gear or were renovating our kitchen, we'd look for the best deal. So why don't we do that with insurance? It seems many New Zealanders think of insurance as coming in a fixed package at a fixed price, but there are some practical things you can do to save money on your insurances. Here are six hot tips.

Earlier this year this was a glitch with ANZ’s payment system, and a whole lot of New Zealanders woke up on payday to discover they hadn't been paid.

There are a number of key things to remember when driving a car: always put on your seat belt, give way to traffic on the right, and make sure you've read the fine print of your insurance policy documents. These days you’d have to be pretty foolish to drive around without insurance. Damaging your car, or even worse, someone else’s, without insurance is a fast-track to debt. But something so many drivers forget is that even having insurance is not always a get-out-of-jail-free card.