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.
Staying out of debt this Valentine’s Day
February, the month of love… or is it? February is the month where everyone spends crazy amounts of cash (that they don’t have) on romantic things that are way overpriced. Valentine’s day became a totally superficial thing that is driven to extremes by the smart...
The Case for Credit
We have all heard that saying, “money makes the world go round”. In fact, that statement is completely incorrect. The actual truth is that CREDIT makes the world go around. Without access to credit, the world economy will collapse, and poverty will be far worse than...
5 Ways to Financially Survive Each Month as a Single Mother
Managing your finances alone is only one of the hardships as a single mother. The huge responsibility that rest on you as a single mother often leads to stress, anxiety and definitely feelings of depression or hopelessness. *According to Statistics South Africa, 45.6%...
All About Your Credit Profile
Keeping tabs on what’s happening on your credit profile is possibly the single most important aspect of effectively managing your credit. Gone are the days when you only heard about your credit profile when applying for credit. Access to your credit information is so...
Debt Review – A consumer friendly breakdown
You Kept up with the Joneses and now you’re up to your ears in debt with no hope of relief. Luckily for you, the National Credit Act is there to ease your burden. Without bombarding you with all the legal jargon and technical terms, here is the consumer-friendly break...
Avoid a debt hangover by applying these three simple rules
Applying for a loan or a credit card can be exciting. Having extra cash available for your holiday or an unplanned shopping spree can be exhilarating but every high unfortunately will end in a low. In this case the low comes in the form of a monthly payment usually in...
The Importance of a Budget
Recent studies have shown that only one out of every three individuals prepare a detailed written or computerized budget on a monthly basis. Even fewer individuals prepare a detailed long term financial plan. ‘’Why go through the hassle of drawing up a household or...
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.