How to avoid debt that doesn’t make sense

Sometimes debt is unavoidable, like when your car breaks down, your washing machine stops working or a dental emergency comes up. But if possible, it’s important to avoid debt that comes from buying things we simply can’t afford.

It’s easy to get into debt, but can be so much harder to pay it back.


When you’re struggling to make ends meet and constantly having to go without, it can be hard to resist temptation. We want to buy things to make us feel better, even when we know we shouldn’t: the latest phone, a nicer car or those shoes you just have to have.

And it does make us happy for a little while, but over the long run the resulting debt makes us so much unhappier.


  • Holding off on that impulsive purchase and knowing you’ve saved yourself money will give you a sense of achievement and it will save you even more money in the long run on interest and fees.
  • Just because it’s on sale doesn’t mean it’s a good deal. You could end up paying more than it’s worth just through interest and fees.
  • If you can’t afford to save up to buy something, stop and ask yourself if you can afford to pay it off.

If you’re constantly struggling to make your money last till payday, take a look at our article on three tips to make your pay last until payday.

We take being relentlessly helpful really seriously here at Avanti. If life has happened to you and you’re worried about making your loan payments, please do give us a call to talk through what’s happened. We are here to help you come up with a plan that works – we promise to keep working with you if you keep working with us.

This article is solely for information purposes and is not intended to be financial advice. If you need help, please contact Avanti Finance or your financial adviser. Neither Avanti Finance nor any person involved in this article accepts any liability for any loss or damage whatsoever which may directly or indirectly result from any information, representation or omission, whether negligent or otherwise, contained in this publication. References to third-party websites are provided for your convenience only. Avanti Finance accepts no responsibility for the availability or content of such websites.

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