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If you put your Christmas shopping on Afterpay (or Laybuy, or Genoapay or any of the other buy-now-pay-later options now available), you may now be struggling to remember exactly what balance you have left to pay off. With the process built in to so many shopping websites, it’s easy to set up pay-later payments without too much thought, and just as easy to lose track of what payments still have to be made. Here are a few things to think about to avoid a buy-now-pay-later hangover following you into the new year. Is it a problem? Buy-now-pay-later schemes can be a good way to spread the costs of shopping over a number of weeks, if you’re confident that you can make the payments as they fall due. ....
The key to getting out of credit card debt is to act early, before it gets out of hand. Christmas often means big bills for many people. Whether it’s the supermarket shopping for a dinner for the whole family or presents for the kids, it all adds up. Last year, New Zealand’s combined credit card balances peaked at just under $7.5 billion in December, before slowly dropping back to just under $5.8b by April. If you’re coming out of the festive season owing more than you would like, there are a few things you can do. The first is to assess exactly what you owe and to whom. It can be easy to get caught up in the whirlwind of festive purchases and not pay attention to just how much is being loaded on the credit card, Afterpay or hire-purchase agreements. ....
The accommodation supplement is dependent on a person’s income and assets, and can be used to pay rent or mortgage. A single parent of two children earning $1500 a week, with a mortgage of $1000 a week, could qualify for accommodation supplement of about $90 a week, online calculators suggest. Financial coach Hannah McQueen, of Enable Me, said it was a concern that homeowners needed support when interest rates were the lowest they had ever been. “With house prices very high, those who are newer to the market may have taken on higher levels of debt than they can reasonable sustain and if they’re struggling at rock bottom interest rates, there are bigger problems looming when rates do rise. ....
UNSPLASH Not all homes and income are the same. A home and income in the council’s eyes, is where the studio or apartment has a separate entrance, separate utilities and a kitchen and bathroom. In a year when homeowners were staring possible redundancy in the face and adult children back home, many became aware of the real value a home and income property can offer. In Wellington, home and incomes have long been part of the housing stock, partly because of the topography of the land. Houses tend to get built on hills and there is a natural space beneath the main home, says Tommy’s Real Estate managing director, Mark Hamilton. ....