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When you go in search of debt advice, you have to know your current status. Your debt to income ratio and credit usage ratio shows you where you are and help you track your progress.

Our credit score is a powerful financial health indicator, but chasing a good score without keeping your bigger financial and debt plan in mind, can lead you to make poor money decisions.

Few things cause more financial distress than falling victim to bank card fraud or other forms of identity theft. You have to know how to keep yourself – and your money – safe. Fraud on your bank card or credit card can happen in many different ways. Someone can go through your rubbish and findRead more

The excitement of falling in love can sometimes cause us to do foolish things. Often, such craziness relates to money. The month of love is a good time to remind yourself that all is not fair in love and war – especially when it comes to financial decisions. Few things in life can beat theRead more

The start of the new school year can feel like a personal budget nightmare. Fortunately, there are quite a few tricks that can help you save money, instead of borrow money, when it comes to sending your children back to school. The most important thing about getting your back-to-school shopping right is to have aRead more

Most of your waking hours are spent at work. It’s the place where you are most likely to make friends, where you meet new people and are introduced to new ideas. It should also be the place where you can get help with debt and debt solutions. When we feel overwhelmed by money concerns, itRead more

Since the arrival of Covid-19 in South Africa, the Reserve Bank has cut the repo rate three times to help our country deal with the economic impact of the pandemic. It sounds like a lot of financial jargon, but the repo rate is important to every person who has debt because it influences loan interestRead more

The longest journey starts with a single step. Rivers consist of drops of water. Grains of sand becomes a beach. In the same way, what you do with your money every day, adds up to your money situation at the end of the month or the year or the decade. Getting out of debt isRead more

The ability to get an advance on your salary or even a loan from the company you work for, is seen as a benefit for employees.

You go to work, you get your salary, you check your payslip to see how much money you take home this month, and then you probably forget about that piece of paper.