How to Build a Savings Habit While Paying Off Debt
When you are juggling debt payments, saving money might feel impossible. But building a savings habit while paying off debt is not just doable; it’s one of the smartest financial moves you can make. This Savings Month, we’re encouraging South Africans to take small, consistent steps toward financial freedom, even if they’re starting with limited […]
What Happens When You Ignore Your Debt?
Ignoring your debt might feel like a temporary relief, but the longer you wait, the worse it gets. In this article, we explain exactly what happens when you do nothing about your debt, and share practical steps you can take today to get back on track. Consequences of ignoring your debt If you’ve ever avoided […]
Emergency Funds vs Debt Payments: Which One Comes First?
When money is tight, choosing between saving to build an emergency fund and paying off debt can feel like an impossible decision. You know you need to be prepared for emergencies, but you also want to stop debt from piling up. So, which one should come first? With South Africa observing Savings Month this July, […]
Should You Save or Pay Off Debt First?
July is National Savings Month in South Africa, a time to reflect on our money habits and make smarter choices for our future. One of the biggest questions people ask during this time is: Should I save money or pay off debt first? The truth is there’s no one-size-fits-all answer. It depends on your financial […]
Top 5 Financial Goals to Set for the Next 6 Months
As we hit the halfway mark of the year, it is a great time to pause, reflect, and reset your financial priorities. Whether you’ve stuck to your money goals or life’s thrown you off course, the next six months offer a fresh opportunity to take control. Here are five achievable financial goals you can set […]
How to Do a Mid-Year Credit Health Check
At the halfway mark of the year, it’s the perfect time to pause, reflect, and review your credit health. Just like you’d go for a medical check-up, a credit health check helps you spot issues early and stay financially fit. Here’s how to do a thorough mid-year credit check in South Africa, using free tools […]
Your Credit Score and Job Applications: What Employers Might See
It might surprise you, but in South Africa, some employers run credit checks before hiring, especially for jobs in finance, security, or management. It’s not about how much you earn, but how responsibly you handle money. If you’re job-hunting, especially as a young person, it helps to know how your credit profile might come into […]
How to Build Credit Without a Full-Time Job
Can you build credit without a full-time job? The answer is yes. A common myth is that you need a full-time job to have a credit score. But that’s not true, especially in South Africa. Whether you’re a student, freelancer, part-timer, or in-between gigs, there are safe and simple ways to start building credit today. […]
What Happens If I Miss a Payment?
We’ve all had tight months or forgotten bills. But when it comes to credit, missing even one payment can affect your score. The good news? You can bounce back quickly if you act fast and stay informed. Let’s break down what happens when you miss a payment and how to recover. The Impact of a […]
How to Read a Credit Report (Without Falling Asleep)
When you first see your credit report, it might look overwhelming, but it’s actually one of the most important documents you’ll ever read. Think of it as a snapshot of your financial behaviour. It shows lenders whether you’re responsible with money or not. In just a few minutes, you will learn how to read your […]