A common question from clients is ‘Should I use my money to reduce debt now or should I start investing and saving first? Can I do both and at what cost?’ A plethora of self-help books and information online either declare debt as a deadly sin or heaven-sent. Let’s look at possible ways to think about it.

Whilst Buy Now, Pay Later (BNPL) offerings are attractive deals to many, it has the potential to dig deeper holes for many as well.