I wonder if Santa is worried about paying the rent at the North Pole this year.

Not to mention feeding all those elves and reindeers, while they are busy preparing to do their super-sonic flight around the globe in one night.

The Debtfix Crew have written to him and here’s their Christmas wish list for a debt-free Christmas.

If you’re worried about money right now you are not alone.

Last month it was revealed that “concern about personal finances is now considered to be the biggest impact on New Zealanders’ mental wellbeing, likely related to the increased cost of living.”

Now we are in the Christmas and summer holiday season, which is one of the most challenging times of the year for everyone. There is help.

Recently, wild weather hit many parts of New Zealand letting us know winter is on the way and the Debtfix Crew thought it was time to get planning to reduce the risk of expensive disasters.

When your neighbourhood is flooding or the power goes off for a couple of days, the last thing you need to worry about is how to pay for takeaways to feed the family.

The Crew likes to ensure people have contingency money in their budgets for the unexpected and there has been a lot of unexpected during the last couple of years.

You’ve taken a quick loan to buy a new car, to cover the cost of a trip overseas, or even to consolidate your other loans and the finance company asks, “Would you like insurance with that?”

The add-on purchase may not have crossed your mind but when you think about it, the extra security of an insurance that covers debt repayments may sound like a good idea.

The person selling you the loan may imply it is compulsory to buy insurance but what are your rights and what are their obligations?

There is nothing like the relief we feel when a problem is resolved, and we have choices about our future.

The Debtfix Crew has seen it often and they know people do move on when they get debt under control. They love nothing more than seeing a person turn their life around and move on to a more positive future – all because of a debt solution.

Going to the doctor or dentist can be too costly for many New Zealanders and lots of everyday people delay or never get healthcare because they can’t afford it. This greatly concerns the entire Debtfix Crew especially when treating medical or dental problems when they are small is the cheapest way of managing your health.

Delaying healthcare can cost you a lot more than money.