When people are vulnerable it is so easy for them to pile up mountains of debt, which further adds to their distress and feelings of hopelessness.

Two years ago, Racheal (not her real name) was at a financial and emotional rock-bottom when she turned to Debtfix for help.

Numerous factors put a Kiwi family that had always done well, into a dire financial situation that made them feel like failures. They were desperate until they found Debtfix.

As we launch into 2021, business commentators indicate there is enthusiasm in New Zealand for people to start their own enterprises despite uncertainty resulting from Covid-19.

Being part of the Debtfix crew has been a real eye-opener for Sharon Graves and she is constantly in awe of how people cope, make do with so little and stretch their money to survive.

There’s something mothers and fathers need to share with their daughters. Learn about money.

That’s everything about money – from interest rates to credit scores.

Think of debt like a beautifully kept car, with regular cleaning and maintenance it’ll remain shiny, reliable and functioning. But with a few months or years of neglect, it’ll become messy and at risk of a breakdown.