Debt & Credit
Not all debt is bad, but expensive debt makes every other goal harder. Know what you owe, pick a payoff method you'll stick to, and protect your credit record along the way.
Guides on debt & credit
- Calculator + guideDebt snowball vs avalanche (with calculator)Debt snowball vs avalanche: one clears your smallest debt first, the other your most expensive. See both on real numbers and compare them in the calculator.
- ExplainerGood debt vs bad debt: a simple way to tell them apartGood debt vs bad debt is not about the type of loan. A three-question test, real examples from mortgages to BNPL, and what €5,000 costs at 4% vs 22% interest.
- GuideHow to pay off debt fast: a calm, step-by-step planHow to pay off debt fast: list your debts, stop new borrowing, pick snowball or avalanche, find extra money, and know where to get free debt help (NL and UK).
- ExplainerWhat is a credit score and how to improve itA credit score is how lenders judge your borrowing history, but it works differently in the Netherlands, UK and US. How to check yours for free and improve it.