How the fluctuation of the interest rate affects your debt

Managing your finances doesn't just mean monitoring the money going in and going out of your account each month. It also means considering what inflation will do to your purchasing power and the value of your debt. 

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Debt Management – What are my options?

The more money you owe, the less likely you will be able to repay your debt. The only good debt is money that you borrow in order to make more money, like an investment. Make sure your finances are organised, know who you owe money, decide which debt to pay off and put together a monthly budget.

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Financial Wellbeing in the year of Covid.

The festive season is almost here, and it’s been one challenging year.  No one could have predicted what 2020 had in store for us. The Covid-19 Pandemic changed the world overnight.

Not only were we impacted emotionally but our financial wellbeing was deeply affected.  We saw retrenchments and unemployment. People were on reduced pay and there was a general uncertainty of what was to come.


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If I miss a debt review payment what will happen?

As hard as it may be during challenging times, do not miss a debt review payment.   Debt review is a legal process, and your payment plan has been accepted by all your creditors. A court order has also been granted.

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Debt Counselling: Your questions answered.

What is the NCA?

National Credit Act. Act prescribing rules and regulations for the credit industry and sets the groundwork for over-indebtedness and debt counselling.

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Can I take out credit after debt review?

Are you wondering if you can take out credit whilst undergoing debt counselling?  The answer is no, but for a good reason. If you are making reduced payments on your existing debt, the last thing you want to do is take on  further credit that will make your situation considerably worse. But what about after the debt review process, when all your debt is paid off?

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How can I wipe my credit clean?

Have you ever wondered how you can wipe your credit record completely clean? Now the next question you might probably have would be; how do I actually do it? Is it even possible to have my credit wiped out? Well...here's the good news, YOU CAN and IT IS POSSIBLE through a debt review application. Read on to find out how we can both help you and save you more on what you're currently paying.

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Are you in debt and struggling to pay it off? Are your assets in danger of repossession? Debt counselling may be the right path for you to take. Debt counselling can reduce your debt repayments to an affordable rate so that you can pay off your debt and have money left over to pay for everyday expenses.

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As parents, we know that our children’s financial future starts with us. it’s our responsibility to teach good money lessons by instilling good money habits that will set them up for a financially secure future.
So where do you start? We’ll show you how with these easy-peasy tips:

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What are your debt-relieving options?

One of the most popular searches in Google when it comes to an individual’s financial situation is 'how do I pay off my debt?'  It is no surprise when over 8 million of credit-active consumers in South Africa are over-indebted.  This means that each month they are struggling to keep up with their debt repayments and balances are spiralling out of control.

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