There are lots of kinds of debt - some good and some not so good. Good debt, like a mortgage, can help you grow your wealth over time, whereas bad debt like personal loans and credit cards can detract from it. But how much of a burden is debt on our mental, physical and financial wellbeing? Did you know that 17% of Kiwis say their credit card bill is their leading cause of financial stress. Gah! In this episode we tackle head-on some of our most stressful debts - personal loans, credit cards, buy now pay later, student loans and home loans. Plus all the details on how to tackle these debts if they're causing you financial stress. Trust us, we've been there.  In this episode, Christine and Cat chat about:  The current state of NZ's consumer debt and whether we should be worried about itWhy Buy Now Pay Later schemes (we're looking at you, Afterpay) need to get in the binWhen student loans are an interest-free cruise versus when they can affect our financial situation How your student loan impacts your ability to buy a first home Deciding whether to pay more off a home loan or invest/save the money instead The magic of balance transfers to assist with credit card debt repayments How to help with unnecessary spending and break the getting-into-debt cycleCredit card repayment strategiesThe trouble with car finance...plus lots more! If you enjoyed today's show: - Follow us on Insta - @itsnosecretnz - Leave a review on Apple Podcasts   - Share your favourite episode with a friend!