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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Affordable funeral cover

Funeral cover is a form of insurance that pays out a sum of money to the family of the deceased in the event of death. This is to ensure that the funeral expenses are covered and that the family can send you off with a dignified burial. 

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How can I start saving?

There is always a reason to start saving you just need one that resonates with you. Deciding when to start saving could make a huge difference in your financial future. Savings are defined as a portion of income that is not spent on current expenditures and put aside for when its needed. It needs self-discipline but with focus it can soon become  a habit. Here we look to provide an overview of the national savings problem in South Africa, incorporating the latest statistics. It also highlights the importance of saving, building up resilience through an emergency fund as well as a guideline on how you can start saving for your future.   

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Why you need an emergency fund.

Most South Africans do not realise the importance of having an emergency fund until they need some extra cash. Yet, building an emergency fund is one of the most important steps in taking control of your financial situation.  When life happens and you are faced with an unexpected financial emergency, you need to be able to fall back on this fund rather than turn to debt.   

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Meerkat's guide to your finances

It’s always good to learn about finances. Here we provide a guide to your finances. The basics of budgeting, credit, banking, saving and debt are the pillars you need to focus on to not only improve your financial education but you will be able to apply what you learn to make your finances great.  

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Personal finance during COVID-19

You probably have many questions during these trying times...” Will I lose my job?” ...” Will I be able to keep up with my debt repayments without an income” ...? “Will I have enough money to buy necessities at the end of the month” 

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Here's some of our finance tips to help you during lockdown.

The COVID-19 outbreak has created panic due to the uncertainty we find ourselves in. The pandemic has caused not only emotional stress and uncertainty but financially too. Between the exchange rate from dollar to rand depreciating to 17,75 and dropping oil prices, it is no surprise you find yourself increasingly concerned by your finances How should we be navigating through this challenging time and what finance tips should you follow? 

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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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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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