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If you’ve ever felt weighed down by debt, you’re not alone. Managing debt can feel overwhelming at times, but the good news is, there are practical tools out there to help you take control. One of the best free resources available to Kiwis comes from Sorted, New Zealand’s trusted, independent source of personal finance guidance.
We recently explored their Tackling Debt guide and were genuinely impressed by how approachable and empowering it is. What stood out to us is how practical and non-judgemental the guide feels. Debt is something many of us carry at different stages of life, and instead of shaming or overwhelming readers, Sorted takes a calm, step-by-step approach that breaks the challenge into manageable actions.
A few things we especially liked:
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Clear strategies: From figuring out which debt to pay off first to creating a plan that works for your lifestyle, Sorted makes it easy to understand your options.
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Helpful calculators: Sorted’s free debt calculators let you see how long it will take to pay off what you owe, and how much faster you can be debt-free if you increase your repayments.
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Practical tips: Sorted goes beyond theory with useful ideas for talking to lenders, consolidating debt, and staying motivated.
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Supportive tone: It’s written in everyday language, so you don’t need to be a finance expert to follow along.
What impressed us most is that this isn’t just a guide you read once and put aside. It’s the kind of resource you can revisit as your circumstances change, using the calculators and tips to re-shape your plan and keep momentum.
Why We Recommend It
At Healthcare Plus, we encourage members to build stronger financial wellbeing through our 6 Steps to Financial Resilience. Sorted’s tackling debt tools can directly support you on this journey:
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Track Your Money – Use Sorted’s calculators to get a clear picture of your debts and repayments.
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Set Goals – Sorted helps you plan realistic debt-free milestones to work towards.
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Build an Emergency Fund – Once debt is under control, you’ll be in a better position to create a safety net.
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Tackle Debt – Sorted’s guide provides the strategies you need for this crucial step.
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Protect What Matters – Freeing yourself from debt gives you more breathing room to protect your whānau through insurance and planning.
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Grow Your Future – Less debt means more freedom to save and invest for the life you want.
We know tackling debt can feel daunting, but you don’t have to do it alone. Sorted’s tools are free, practical, and designed for everyday Kiwis. Pairing their resources with our 6 Steps can help you stay on track, reduce stress, and build long-term financial resilience.
Check out Sorted’s Tackling Debt guide here.
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