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Equipping you with the right tools and information to make the best financial decisions is our primary aim. 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 finance

s. 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!

19/11/2024

Register with JustMoney and get FREE access to your credit score. Unlock personalised product offers, and expert financial guidance.

READ MORE: https://bit.ly/3YNZNDt

14/11/2024

Your financial future starts now!

Subscribe for FREE, and unlock these benefits:
Free credit score access
Personalised product offers
Expert support from a JustMoney coach

Register: https://bit.ly/3YNZNDt

Debt-to-income (DTI) ratio: A proportion of your income that goes towards paying off current debt. It’s calculated by di...
28/10/2024

Debt-to-income (DTI) ratio: A proportion of your income that goes towards paying off current debt. It’s calculated by dividing monthly debt repayments by gross monthly income (before tax). A good DTI ratio to aim for is around 30%. Anything higher may be viewed as risky. A low DTI won’t have a negative impact on your credit score.

READ MORE: https://bit.ly/3Nl2pUc

Having a good credit score has many benefits, such as:• Lower interest rates• Increased chance of loan approval• Better ...
22/10/2024

Having a good credit score has many benefits, such as:
• Lower interest rates
• Increased chance of loan approval
• Better credit terms
• Access to better financial products

READ MORE: https://bit.ly/3Nl2pUc:

With a secured loan, the lender can recover the asset you are paying off. If you can’t make your home loan repayments, f...
16/10/2024

With a secured loan, the lender can recover the asset you are paying off. If you can’t make your home loan repayments, for example, your lender can sell your property to recover their funds. Or if you can’t pay off your car loan, your creditor can repossess your car.

By contrast, an unsecured loan, such as a personal loan, is not backed by any asset. In this case, the lender will:
1. Charge you higher interest, to offset some of the risk of lending to you.
2. Charge you late fees and penalties for missed payments, to recover funds.
3. Report you to a debt collection agency that can potentially take legal action against you.

READ MORE: https://bit.ly/3Nl2pUc

Are you considering taking out a loan but don’t know if you’ll qualify? Don't worry, we've got you covered! Learn everyt...
10/10/2024

Are you considering taking out a loan but don’t know if you’ll qualify? Don't worry, we've got you covered!

Learn everything you need to know about loan qualification criteria.

READ MORE: https://bit.ly/3Nl2pUc

Before you apply for a personal loan, several key factors need to be considered. We outline what to keep in mind before ...
26/09/2024

Before you apply for a personal loan, several key factors need to be considered. We outline what to keep in mind before you click “apply”.

READ MORE: https://bit.ly/3zoq2b7

Responsible credit usage can help you achieve important financial goals. Financial experts explain how you can maintain ...
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.

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 ...
06/09/2024

You need cash in a crisis – but is withdrawing your retirement savings the best option?

Here’s what to know about the

READ MORE: https://bit.ly/3ZaTyeH

If you’re struggling to keep up with multiple loan repayments, paying high interest rates, or feeling overwhelmed by deb...
29/08/2024

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.

READ MORE: https://bit.ly/4e2LZLj

If you start saving at the start of your career, you can reach your financial goals and enjoy your life on a monthly sal...
19/08/2024

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.

READ MORE: https://bit.ly/3WQ8xYM

The best time to start saving for a child’s tertiary education is when they’re born. This will allow you to take full ad...
13/08/2024

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.

READ MORE: https://bit.ly/46OcJwH

Creating an office environment where trust and confidence flourish is vital if team members are to perform at their best...
06/08/2024

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.

READ MORE: https://bit.ly/3YxJlZK

Financial pressure is a common cause of anxiety, but many of us keep our money worries under wraps.Three South Africans ...
31/07/2024

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.

READ MORE: https://bit.ly/4do6JwL

Maintaining a good credit score sets the stage for a secure financial future. We investigate ways to achieve a good scor...
16/07/2024

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.

READ MORE: https://bit.ly/3LoULab

Financial literacy lays the foundation for future wealth. We explore why you should boost your financial acumen, and lis...
09/07/2024

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.

READ MORE: https://bit.ly/3zvYSie

Before applying for credit, it’s vital to know your credit status, as it indicates your reputation for managing credit r...
03/07/2024

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.

READ MORE: https://bit.ly/4csH3Pq

Money issues in relationships can be tricky, especially where one partner supports the other financially. We explore how...
27/06/2024

Money issues in relationships can be tricky, especially where one partner supports the other financially. We explore how to set healthy boundaries.

READ MORE: https://bit.ly/3VKlx1G

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Register with JustMoney and get FREE access to your credit score. Unlock personalised product offers, and expert financial guidance. READ MORE: https://bit.ly/3YNZNDt #JustMoney #BlackFriday #Deals #MoneySavings #MakeGoodMoneyChoices

Your financial future starts now! Subscribe for FREE, and unlock these benefits: Free credit score access Personalised product offers Expert support from a JustMoney coach Register: https://bit.ly/3YNZNDt #JustMoney #FinancialFreedom #CreditScore #PersonalFinance #HelloPeter

You can increase your chance of qualifying for a loan by using credit responsibly. All you need to do is make good money choices. 1. Larger loans require larger repayments. This means you would need a higher income to qualify, depending on the type of loan. Home loans or vehicle loans would typically cost more than personal loans or other, smaller loans. 2. Credit providers require proof of income to confirm you have a regular, stable source of income with which to repay your loans. 3. Your credit score indicates your ability to repay loans, based on your credit history. The higher your score, the better your chances of qualifying. Most credit bureaus have their own lending criteria. On the JustMoney platform, credit scores range between 1 and 1,000, with a good score greater than 850. 4. Your DTI ratio indicates the portion of your income used to repay your current debt. Calculate this by dividing your monthly debt repayments by your gross income (before tax). If your DTI ratio is greater than 40%, lenders may view you as a risk. #CreditScore #LoanQualification #Finances #Credit

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

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At JustMoney we take the stress out of your finances and make it fast, safe, and convenient to manage your money.

Just click on your cell phone or desktop for access to money management tools, advice you can bank on, and a full range of financial products and services.

We will guide you on your financial journey, allowing you to make informed decisions today, and for your future.

Having been around for over 10 years, we continuously strive to be a trusted voice within the personal finance sector.

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