Debt

What debt actually costs, and the orders of repayment that cost least.

Everything here is written for the Australia. Terminology, protection limits and regulators differ between markets, so a guide from another country will not transfer cleanly.

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Getting Out of Credit Card Debt in Australia
A worked sequence for clearing Australian card balances, including balance transfers, hardship rights and free financial counselling.
Updated 25 August 2026 · 3 min read
Answer
Debt Snowball vs Avalanche: Which Should You Use?
One order costs less in interest. The other clears debts sooner. Run both on your figures and the answer usually settles itself.
Updated 25 August 2026 · 3 min read