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Jawad Usman

6 tips to stretch your money this holiday season

Christmas can bring a lot of joy, as well as a lot of budgeting challenges. And with recent rising inflation and interest rates, this holiday season could be one of the trickiest to budget yet. Many of us may need to cut back on our Christmas spending this year to avoid ending up with debts that could take until Christmas next year to pay off. However, you can reduce your Christmas budget costs and still have a holiday full of…

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Financial hardship arrangements and your credit report — 5 things you should know

Your credit report provides lenders a detailed view of your credit history. It includes the type of credit you applied for, the name of the lenders you’ve applied to and other information such as your repayment history. Credit reporting has recently changed From 1st July 2022, your credit report will now show any financial hardship arrangement you enter into with a lender. The information shown will include the repayments you make under the arrangement, but not the reason for the…

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Buy now, but can you pay later?

Buy now, pay later (BNPL) services offer you the flexibility to purchase what you want when you want it. BNPL providers, as the name suggests, let you pay in easy instalments. We can think of BNPL as today’s layby, as it essentially offers you the same ease as layby. Some BNPL providers include: Afterpay Brighte Bundll Fupay Humm Klarna LatitudePay Openpay PayPal Payright Zip Money Zip Pay Many major banks have also introduced BNPL products, which make the product you…

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