Credit Agreements: Your Rights and Responsibilities
It is equally important to know what your CONSUMER RIGHTS and your RESPONSIBILITIES are concerning your credit agreements…
It is equally important to know what your CONSUMER RIGHTS and your RESPONSIBILITIES are concerning your credit agreements…
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.
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 [...]
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 [...]
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’…
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,” [...]
“Picture this: you walk into the grocery store, expecting to find some relief from rising grocery prices since inflation is purportedly decreasing, only to be met with the same or even higher price tags. It’s frustrating and bewildering, leaving you questioning why prices seem stuck in an upward spiral. And it is not easy considering your salary increase (if at all) compared to inflation – it is difficult to keep up with incessant costs. I’d like to share some [...]
In honour of #WomensMonth, and to help alleviate the stress of grocery planning and shopping, our CreditSmart team presents tips and considerations to help you, our South African women, to make the most of your grocery budgets.
NATIONAL SAVINGS MONTH – Consumers Encouraged to Consider Suitable Savings Options Instead of Giving in to Unsecured
“Our South African youth is not only a group of passionate individuals and groundbreakers at heart, but they can also exemplify financial resilience, embodying the qualities of true stewards of their finances. And in the process help shape a legacy for others to follow.” highlights managing director, Wikus Olivier. Financial Resilience means being prepared to handle and overcome unexpected financial events, such as dealing with sudden expenses resulting from changes in the economy, interest rate adjustments, or medical emergencies. In today’s [...]