Essential Reading
Below, you will find a list of our thought-provoking articles. All of these are intended to educate our clients to make better financial decisions.
Top 5 Tips for a Financially Sound Festive Season
CreditSmart Financial Services’ top 5 tips to help South Africans avoid debt traps driven by festive deals and too-good-to-be-true discounts.
The Importance of Having an Established Credit History & Strong Credit Rating
#CreditOpportunities #FinancialJourney Imagine being turned down for your first home or car simply because you’ve always paid in cash. Sounds unfair, right? Welcome to the world of credit scores, where your credit history and rating can play a key role to make or...
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.
Youth Month – Relationship with Money
Understanding our relationship with money is essential for achieving financial well-being and cultivating a healthy mindset towards money and wealth.
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.
Get out of Debt, the #CreditSmart way!
Our solution can restore your credit profile and get you out of debt:
- Improved Monthly Cash Flow
- Remove Debt, Anxiety & Financial stress.
- Get rid of Creditor harassment calls & threats.
- Not keeping up with payments. / In arrears with your accounts already.
CreditSmart is here to help you take back control of your financial situation through various products and services specifically designed to address each phase of the credit to debt life cycle.