Thinking of using the two-pot system to fund your festive spending?
Follow these tips to make good money choices.
Learn more: https://bit.ly/3W2jxTr
Make Black Friday work for you! Become a savvy shopper, and learn how smart spending can help you reach your dreams.
Register with JustMoney and access your credit score for FREE, unlock personalised financial solutions, and get guidance from our coaches.
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Register with JustMoney and get FREE access to your credit score. Unlock personalised solutions, and expert financial guidance.
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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
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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.
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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.
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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.
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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
