Withstand Financial Challenges & Make Your Money Count
To reach important financial goals, consider one of two strategies to help build financial resilience: increase your income or reduce current debt.
Five Misleading Debt Review Myths Set straight
In a world where misinformation spreads like wildfire, it’s essential to separate fact from fiction, especially when it comes to financial solutions. Debt review, or debt counselling, is a lifeline for many South Africans struggling with debt. However, numerous myths surround this process, creating confusion and discouraging people from seeking the help they need. We share insight and debunk some of the most misleading myths about debt review.
Debt Review: “Rather Pass” or “Perfect Fit”
Debt Review may not be the “perfect fit” for everyone but can be THE solution for a person requiring financial relief or asset protection.
Debt-To-Income Ratio: The Lower the Better
A Debt-To-Income (DTI) Ratio is the financial metric that compares your monthly debt payments to your income amount before deductions. The lower your percentage reflects, the better your financial position.
Credit Agreements: Your Rights and Responsibilities
It is equally important to know what your CONSUMER RIGHTS and your RESPONSIBILITIES are concerning your credit agreements…
Budget & Discipline Your Way to Money Mastery
By adjusting your budget accordingly and implementing the required steadfast discipline along your financial way, you can ensure yourself money mastery success even when having to deal with some changes and disruptions during your journey.
Savvy Money Moves for 2024
The new year is a great opportunity to start fresh in life as well as getting your financial house in order. Making smart, savvy money moves (and decisions) early in your financial timeline is an important step to start ticking off your financial goals as well as achieving future financial success. “Have you been feeling a bit lost, disconnected, or unorganised concerning your financials lately? Then, embrace the opportunity to kickstart 2024 as your best ‘financial year’ yet by implementing [...]
5 Frugal Christmas Tips to Help Ensure Yourself a Janu-NO-Worry
The festive season is here, and you might feel the pressure to splurge on jolly goodies and once-in-a-lifetime deals. However, it’s time to embrace a money-mindful approach by saying ‘NO’ to festive FOMO and ‘YES’ to invaluable experiences so that you pave the way for a worry-free January. In this pursuit of a more mindful and financially sound holiday season, here are five frugal Christmas tips to help ensure yourself a Janu-NO-Worry: Christmas Budget: Know your current money position and [...]
Five (5) Money-Mindful Tips for a Financially Responsible Black November
Don’t set yourself up for an indebted 2024 by overspending and overstretching your pocket this shopping season. You can be financially mindful this #BlackNovember by avoiding impulse spending and being fully aware of your financial position – focusing your attention on your budget and ‘real needs’ instead of those unnecessary ‘wants’…
Credit Cards Unveiled: The ‘Basics’, The ‘Good’ & The ‘Be Careful’
CreditSmart’s Deep Information Dive “Sixty-one percent (61%) of our 2023 ‘Financial Savvy’ survey respondents said they use their credit cards every month and lay awake stressed about their financial situations. A lower, 39%, confirmed they do not have a credit card and are not overly stressed about their finances. Is it a coincidence? I would say it’s about how you handle these little plastic cards that can either help or hurt your pocket and up or lower your stress levels,” [...]
