Credit cards vs Buy Now, Pay Later: which one is ruining your finances?

by CreditSmart Author | Mar 10, 2025 | In The Media - Online

Explore the financial implications of choosing between credit cards and Buy Now, Pay Later options as consumers face increasing financial pressure. Wikus Olivier, debt expert, shares handy insights. Read Full...

Knowing your debt-to-income ratio is essential for good money management

by CreditSmart Author | Mar 10, 2025 | In The Media - Online

According to Wikus Olivier, managing director here at CreditSmart Financial Services, your debt-to-income ratio is the financial metric that compares your monthly debt payments to your income amount before deductions. This ratio and calculation is essential for good,...

Savvy money moves to start building financial safety net

by CreditSmart Author | Mar 10, 2025 | In The Media - Online

Debt expert, Wikus Olivier says a new year is a great opportunity to start fresh in life as well as getting your financial house in order. Embrace the opportunity to kickstart your new year as your best financial year yet by implementing simplistic, impactful, savvy...

Dreaming of a tight Christmas: It’s time to say no to festive over-spending, and yes to those priceless experiences

by CreditSmart Author | Mar 10, 2025 | In The Media - Online

CreditSmart Financial Services’ debt expert, Wikus Olivier, says consumers usually want to splurge on expensive goodies and once-in-a-lifetime deals during the festive season. However, he points out that it is time people embrace a money-mindful approach by saying no...

Be a wise consumer this Black Friday and Festive Season

by CreditSmart Author | Mar 10, 2025 | In The Media - Online

CreditSmart Financial Services’ debt expert, Wikus Olivier, shares five mindful money recommendations for consumers to help them avoid overspending during the silly season and festive period. Read Full...

Withstand Financial Challenges & Make Your Money Count

by CreditSmart Author | Mar 10, 2025 | In The Media - Online

CreditSmart Financial Services’ expert, Carla Oberholzer,encourages South Africans to make their finances count. While consumers may not be able to control external economic factors or financial disruptions, how they proactively prepare for unexpected challenges can...