A monthly budget with room for real life.
Build a practical monthly budget around income, essentials, existing debt and irregular costs.
The interest rate is only part of the story.
Learn to compare principal, interest, initiation fees, service charges and the total cost of a loan.
Your credit record is worth understanding.
Understand the purpose of a credit record, the importance of accurate information and how to approach an error.
DebiCheck, without the jargon.
A practical explanation of DebiCheck mandate confirmation, bank checks and what to do with an unexpected request.
Five checks before you borrow.
Check the provider, purpose, total price, repayment fit and application channel before accepting credit.
A repayment plan that follows your month.
Plan loan repayment dates around income, keep payment records and know what to do if circumstances change.