by CreditSmart Author | Apr 16, 2024 | Essential Reading
“A Debt-To-Income (DTI) Ratio is the financial metric that compares your monthly debt payments to your income amount before deductions. It can show how much pressure your debt adds to your monthly budget, and it is a handy calculation for credit providers to make...
by CreditSmart Author | Mar 18, 2024 | Articles, Essential Reading
– Consumer Rights Awareness Month – March is, not only, your human rights reminder, but also, serves as a dedicated consumer-related awareness and educational period as highlighted by the National Credit Regulator (NCR), the Credit Ombud, and various organisations....
by CreditSmart Author | Feb 12, 2024 | Articles, Essential Reading
As you and your fellow South Africans await the upcoming budget speech announcements to be made by Finance Minister, Mr Enoch Godongwana, we urge you to be proactive when it comes to your financial situation and approach. By adjusting your budget accordingly and...
by CreditSmart Author | Jan 16, 2024 | CreditSmart Essential Reading
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...
by CreditSmart Author | Dec 6, 2023 | Essential Reading
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...
by CreditSmart Author | Nov 9, 2023 | Articles, Essential Reading
“The shopping season is in full swing with anticipated ‘discounts’ and various Black November sale frenzies going on. But if there is one thing you can do to make sure you end your 2023 year off on a high note is to reject overconsumption and, instead, practice...
