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Access to credit is relatively easy. Your bank is quick to provide you with a credit card pretty much as soon as you leave school. It’s no wonder so many South Africans get used to buying things they want on credit. That’s often where the debt spiral begins. If you are struggling with your finances […]

When someone spends a considerable amount on home ownership including bond repayments, maintenance and utilities, they often find they are paying more for their home than they can afford. There is minimal cash flow for life’s other expenses.  This is what is meant by being cash poor. Are you cash poor?  If most of your […]

Since its introduction into South Africa, debt review has helped millions of consumers get on top of their debt. But even though it is seen as a big help when it comes to managing finances, being under debt review can make you feel like you are limited when it comes to important decisions. Renting property […]