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Any views or information are given with an express disclaimer of responsibility and no right of action shall arise against any of the authors, ASB Bank Limited, or any of its employees, either directly or indirectly out of any views, advice or information.

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Karen & Ryan
Karen & Ryan 
Have a young family and a mortgage. Ryan has been made redundant.

Nicky
Nicky 
Is single and has a mortgage. She worries what would happen if she lost her job or fell ill.

Steve & Danya
Steve & Danya
Want to go travelling but need to get on top of their debt.

Cliff
Cliff
Is a widower, his retirement income has halved and he is struggling to pay the bills.

Matt & Lynn
Matt & Lynn 
Are facing retirement with less money than they thought they would have.