17/09/2024
Responsible credit usage can help you achieve important financial goals. Financial experts explain how you can maintain a good credit profile and use credit to improve your situation.
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Our credit score platform, CreditSav, helps you keep track of your credit report and maintain your score. Our financial products can help you reach your goals, whether you’re looking for a personal loan to renovate your home, or a debt solution to help you take back control over your finances. We also help you save money by bringing you the best deals from day spas, restaurant, hotels, banks, and more. Visit our website, chat to our coaches, and sign up for our newsletters – the choice is yours!
Responsible credit usage can help you achieve important financial goals. Financial experts explain how you can maintain a good credit profile and use credit to improve your situation.
READ MORE: https://bit.ly/3B7RSJ1
You need cash in a crisis – but is withdrawing your retirement savings the best option?
Here’s what to know about the
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If you’re struggling to keep up with multiple loan repayments, paying high interest rates, or feeling overwhelmed by debt, consolidating your debt may be a good solution.
We explore what debt consolidation entails, the pros and cons, and the various loan-based options.
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If you start saving at the start of your career, you can reach your financial goals and enjoy your life on a monthly salary. A personal finance expert explains how.
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The best time to start saving for a child’s tertiary education is when they’re born. This will allow you to take full advantage of the magic of compounding.
We ask a certified financial planner to advise on suitable investment products.
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Creating an office environment where trust and confidence flourish is vital if team members are to perform at their best.
We explore how to nurture a trust culture in the office.
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Financial pressure is a common cause of anxiety, but many of us keep our money worries under wraps.
Three South Africans share their personal stories, outlining the cash flow constraints that cause them stress.
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Maintaining a good credit score sets the stage for a secure financial future. We investigate ways to achieve a good score, and other steps to help you build wealth.
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Financial literacy lays the foundation for future wealth. We explore why you should boost your financial acumen, and list courses to help you achieve this.
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Before applying for credit, it’s vital to know your credit status, as it indicates your reputation for managing credit responsibly. We unpack the factors that underpin it, and how to manage them effectively.
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Money issues in relationships can be tricky, especially where one partner supports the other financially. We explore how to set healthy boundaries.
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South Africa’s top loyalty programmes offer their members substantial benefits and savings. Here’s a roundup of the best options.
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Almost anyone can afford to invest, provided there’s some disposable cash to put away every month.
We ask the experts how to start investing, how much you may need to achieve your financial goals over time, and what to look out for.
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What can new parents expect to pay for bringing a baby into the world, if choosing to go the private medical route? We outline important considerations, and indicate costs.
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Tracking your credit score is essential. We find out what it entails, how it can benefit your finances, and what to do if you spot an irregularity.
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“Good debt” can help you to build your future wealth, but “bad debt” can do the opposite. We outline the differences to help you make smart choices.
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As consumer debt grows in South Africa, so does the debt-collection industry. However, as difficult as retrieving unpaid debt may be, debt collectors are not above the law. They’re bound by regulations and consumer-protection principles.
We spoke with Benay Sager, the executive head of DebtBusters, a leading debt counselling company, about consumers’ legal rights and problems with debt collectors.
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“Black tax” refers to the financial support traditionally provided to family members – often parents – by black professionals. It may be a way of life, but it can harm your financial security.
Ndumi Hadebe, author of Handle Black Tax Like a Pro, offers advice on how to manage black tax payments to your relatives.
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Educating children about debt can help them understand financial responsibility and the value of money. We ask three parents how they’ve gone about this.
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Paying more than the minimum amount on your credit card is a wise financial decision. We outline various factors to consider, and how you can benefit by boosting your monthly payments.
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Cancer screening can help save lives. We investigate why you should screen, which tests are recommended, and what they may cost you.
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Bank charges in South Africa are often considered high compared to those in other countries. This prompts consumers to seek cost-effective options.
We reveal the cheapest bank accounts for various income categories.
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“I lost my home, and family and friends disowned me. I’m now living in a women’s shelter.”
Three South Africans talk frankly about how spiralling debt and associated challenges caused them to hit rock bottom – and how they’re clawing their way out.
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The bank has given you a credit card, and you feel like you’re a step closer to achieving your dreams. But what are your rights and responsibilities?
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It’s not unusual to find yourself in a relationship with someone burdened by student or other debt – but such a situation can threaten to derail your financial plans and may require careful management.
Two experts advise how couples can navigate this challenge, and provide some useful strategies.
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With load shedding showing no sign of abating, solar installations are increasing in popularity. We investigate how to make the most of a solar investment.
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Having an antenuptial contract (ANC) drawn up is often said to be “unromantic” – but divorce statistics indicate that it’s wise to plan for any eventuality.
Two legal experts explain why you should have this document in place, and how it safeguards both partners in a marriage or civil union.
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If you receive a financial windfall, such as a bonus or unexpected lump sum, you may want to consider using part – or all – of it to add to your retirement annuity (RA). This will help you increase your retirement savings without denting your budget.
We explore why, and when, you should consider boosting your retirement savings.
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If you’re lucky enough to receive a bonus this year, you may feel the urge to spend it all at once – but this won’t improve your finances. We share recommendations on how best to make your bonus work for you. READ MORE: https://l1nq.com/zaZMA
People who’ve grown up in democratic South Africa share their views on financial freedom, tips for achieving it, and areas where they need advice. READ MORE: https://bit.ly/3LD57Tw
Shopping addiction is a behavioural issue that can harm your financial well-being. This article explores what “shopaholism” is, and how to overcome it. READ MORE: https://bit.ly/3LULcAQ
South Africans are under rising pressure to make ends meet. We consider ways to stay afloat in a tough economic environment. READ MORE: https://bit.ly/3NypnbK
Power surges can damage appliances and devices. We explore the extent to which insurance will cover this damage, and the steps you can take to prevent it. READ MORE: https://bit.ly/3Ngn6Si
Primary healthcare plans can help meet your essential healthcare needs if medical aid is too expensive for you. We consider how to choose the right plan. READ MORE: https://bit.ly/3oK26cg
Personal loans are not created equal, and the loan amount, while important, is not the only criterion you should consider. READ MORE: https://bit.ly/3MRyofH
Non-fungible tokens (NFTs) are an alternative asset class that appeals to younger investors. We investigate the safety and sustainability of this new investment product. READ MORE: https://bit.ly/3orGLUM
Disability cover is essential if you are earning an income, but the products are complex. We explore three mistakes policyholders make, and how to avoid them. READ MORE: https://bit.ly/3Kw7Z4d
A store card is a convenient form of credit, but discipline is required. We consider how you can maximise the benefits, and avoid racking up debt. READ MORE: https://bit.ly/41nG3WS
With affordable housing solutions and government subsidies, the goal of owning a home may be closer than you think. We explore the options. READ MORE: https://bit.ly/417dZao
Medical aid grants you access to timely and adequate health care; however, payment shortfalls do take place. We consider the role of gap cover in these instances. READ MORE: https://bit.ly/3m9xqQU
Having your bank account blocked can be very frustrating. We examine why this happens, and the steps you can take to restore your account. READ MORE: https://bit.ly/3Ua5ysD
Defaulting on a credit agreement can damage your credit score, but you do have recourse and rights. We outline these. READ MORE: https://bit.ly/3zgG9Uk
Becoming debt-free is a vital step towards financial freedom. We consider how consumers get into debt, and how they can start to live within their means. READ MORE: https://bit.ly/40rci7z
Food items that are VAT-exempt help cash-strapped consumers to save. We ask whether more foods should be exempted, and whether prices will continue to rise. READ MORE: https://bit.ly/3LPxZdf
Breaching the terms of a vehicle loan agreement can lead to car repossession. We provide some tips to avoid this costly and distressing legal scenario. READ MORE: https://bit.ly/4056LDn
Incorrect information may appear in your credit report – and you have a right to challenge it. We discuss how to raise a dispute with a credit bureau. READ MORE: https://bit.ly/40enW5s
There are regulations governing organising or taking part in a protest. This article explores the legalities, along with the rights of protestors. READ MORE: https://bit.ly/3JG0lVL
Buying a second-hand car can be risky if you aren’t aware of the pitfalls. We provide tips for purchasing a quality used vehicle. READ MORE: https://bit.ly/3ZMCk4P
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