Many of us have borrowed at one time or another for our larger purchases, like a holiday or a car. However, when done sensibly and with careful planning there are cases when borrowing to invest can be even more worthwhile. Here's a quick run down of positive and negative gearing.

Personal loans and credits card, at a basic level, offer the same thing: the ability to access borrowed funds. The critical difference is in how these funds are accessed and repaid, which means while personal loans and credit ultimately do the same thing it’s still worth seeing which best suits your situation.

And there are few places this rings truer than in the finance office of your local car dealer.

Many of us like the concept of ‘try before you buy’. Test it out and see if the product or service is worth it. Just make sure you read the fine print. As sometimes, the offers are not truly free.

Ideally, you’d sell your house one day, and move straight into your new home the next, and this would all happen on a long weekend.

But, unfortunately, the complexities of the market, buyers, sellers, agents, removalists, conveyancers, government, and a thousand little other things all interacting with each other means that stars in the new home universe rarely align. Perhaps you will need a Bridging Loan.