Don't dip into your retirement savings to cover your debt.

Tapping into your retirement savings early can have a long-term devasting impact. If you find yourself changing jobs with the option to cash out your fund to pay off your debt. Don’t. You will accumulate more debt when you stop working to fund your retirement.

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Take control of your emotional spending

Shopping has become a huge part of today’s society. Advertising has taken over with the technological advancements that have become a part of our daily lives.  Whenever you turn on the TV or simply open your smartphone, adverts trying to convince you to buy their products pop up constantly. No wonder emotional spending has become such a huge problem in many of our lives.   Do you know what your spending habits are?

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Healthy finances are regarded as the state of stability of one’s person’s finances. It can be hard to gain financial stability in today’s world but there are steps you can take to get onto the right path towards healthy finances. Here are a few tips and tricks to guide you towards gaining healthy finances.  

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Can you believe we are halfway through the year already? The year has flown by during the nationwide lock-down as a result of the global pandemic and many South Africans have had a tough financial start to the year. Although many are saying 2020 is a write off, there are some changes to make to your finances to make the latter half of your year more bearable. Here are some tips on what you can do better to get your finances back on track for the other half of 2020. 

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Payment Holiday?

Many banks in South Africa are now offering payment holidays. Standard Bank, FNB and Absa to name a few. This has been put in place to allow consumers that are low on cash during these uncertain times to have a break from their debt payments.  

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To be able to  start saving you must be reasonable and realistic to yourself. Start with the small things. Be consistent and make it a habit.

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Paying off your debts could seem impossible but there are options to help you out and make the process a little easier. It is important to educate yourself about your options so that you can make the right decision. Debt review and administration are commonly misunderstood to be the same thing. Here are the main differences between debt review and administration.

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People tend to spend all their money (and money they don’t have) during the festive season. Gifts and food are the main culprits of this spending! Here’s how to protect your finances this festive season

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We’re often asked if debt review is good or bad and it all depends on your circumstances. If you find you are falling into arrears and you can no longer service your debt with the money you get in each month, you could be over—indebted.  If you are, then debt review is the solution for you. Since debt review was introduced by the NCR National Credit Regulator in 2007 it has provided much need relief for many consumers. Debt review can help relieve stress and anxiety from not being able to pay your debt. Your assets are protected from repossession and at the end of the process your credit record is restored.

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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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