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Credit Simple

Flipping the switch: Why it’s easier than ever to switch banks

So you’ve been sifting around on CreditSimple.co.nz and seen some sweet deals, but you’re thinking it’s wayyyyy too hard to switch banks, right? Errr, pull up a chair and sit down for a moment. Actually, switching banks is easier than ever. Thanks to internet banking, our bank accounts capture loads of information – think about how many automatic payments or preloaded payees you have on your account (mum, dad, utilities, the local pie shop and so on) – and having…

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How to build an emergency fund (and why you need one)

Last week I paid for an upcoming ski holiday in Canada. The trip isn’t until January but it has to be paid in advance. Skiing in Canada is my idea of nirvana, so it wasn’t too painful to see the thousands of dollars flowing out of my account; after all, it’s going to a good cause. But this week, my car decided it needed a wheelbearing replaced plus a wheel alignment and new spark plugs. Then my dentist informed me…

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My boss wants to check my credit score
Help! My new boss wants to check my credit report

Imagine you’re on the cusp of getting a hot new job, and your prospective boss says they’ll need to do a credit check. You’re pretty sure there’s some bad info on there, and anyway, isn’t it a breach of privacy? Fret no more, dear reader: we bring good news. Firstly, it’s true that other parties can check your credit report – landlords, recruiters, telcos, insurance providers and utility companies, as well as employers. However, they can’t do it without your…

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Most Kiwis are just three weeks from disaster. Here’s the ins and outs of ACC and insurance

Touch wood you’ll still be able to do the limbo at parties in a decade or two. But every year a small but individually significant number of Kiwis find themselves temporarily or permanently disabled. “She’ll be right,” many of us think. “ACC will pick up the tab and pay me out 80% of my salary for the rest of my life.” That’s not always the case. If you are prevented from working, i.e. disabled, through illness, you’ll only have minimal Work…

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