Beyond Reasonable Debt Part 2: The extent to which financial behaviour can explain over-indebtedness amongst New Zealand families

Beyond Reasonable Debt Part 2 (pdf)
01 Aug 2009

The Families Commission and Retirement Commision have jointly released this second report on debt.

The study found that financial behaviour (notably not saving and living pay-to-pay ‘most' or ‘all' of the time) can increase the likelihood of a family experiencing over-indebtedness by more than 20%, holding family and financial circumstances constant.



The purpose of this research was to find out how the Families Commission and Retirement Commission could help families avoid becoming over-indebted, by identifying what made some families more resilient to this situation. 

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