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Pay the highest-interest card first or refinance it?

The debt-avalanche method targets the highest rate with extra repayments. Refinancing changes the rate or structure instead. The right comparison is the realistic repayment path under each option, including fees and the time needed to break even.
Sep 6, 2026
 in 
Debt consolidation

Refinance one credit card or combine several cards?

Refinancing the most expensive card can reduce cost without disturbing every account. Combining several cards can reduce the number of repayments, but it may also pull lower-rate or nearly cleared balances into a longer loan.
Sep 5, 2026
 in 
Debt consolidation

Close or reduce the old credit-card limit after refinancing?

Closing an old card removes the ability to rebuild that balance. Reducing the limit keeps some emergency access while lowering the amount of reusable credit. The decision depends on safety, spending risk, recurring payments and the rest of the household buffer.
Sep 4, 2026
 in 
Debt consolidation

“A little bit of a breather”: how Lily refinanced her car loan and closed her credit card

After a separation changed her housing costs, Lily refinanced a car loan, cleared a credit card and set aside money for known expenses.
Aug 31, 2026
 in 
Debt consolidation

“Quick and convenient”: how Malcolm refinanced his car loan

Malcolm refinanced a car loan from roughly 10 to 11 per cent to around 6 per cent, reducing the scheduled fortnightly repayment in his account.
Aug 31, 2026
 in 
Debt consolidation

“I needed a bit of help first”: how Emily refinanced a car loan that no longer fit her budget

Emily refinanced a dealer-arranged car loan to reduce the scheduled fortnightly repayment, while accepting a longer loan term.
Aug 28, 2026
 in 
Debt consolidation
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