How to Create a Money Mindset That Leads to Financial Success
Introduction Have you ever wondered why some people seem to manage money effortlessly while others constantly struggle? The secret lies not just in how much they earn but in their mindset about money. Your beliefs and attitudes towards money shape your financial habits, influencing everything from saving and spending to investing and wealth-building. In this […]
What is Financial Literacy & Why Does It Matter?
Introduction Money plays a crucial role in our daily lives, yet many people struggle with managing it effectively. From budgeting and saving to investing and retirement planning, financial literacy is the foundation of financial security. But what exactly does it mean to be financially literate, and why is it so important? This article explores the […]
Understanding Credit: How XDS and Splendi Help You Check, Fix & Flourish
Your credit profile plays a crucial role in your financial journey, influencing everything from loan approvals to interest rates. But how do credit bureaus work, and how can you take control of your credit status? In this article, we break it all down and introduce you to Splendi, the consumer solution powered by Xpert Decision […]
How to Improve Your Credit Score
Your credit score plays a crucial role in your financial well-being. It determines your ability to secure loans, get better interest rates, and even qualify for certain financial opportunities. If you’re looking to improve your credit score, here are some practical steps to help you achieve a healthier financial standing. 1. Pay Your Bills on […]
Debt Review in South Africa: The Ultimate Guide
Introduction Debt can be overwhelming, and for many South Africans, debt review provides a structured way to regain financial stability. However, confusion surrounds how it works, who qualifies, and its long-term effects. Whether you’re considering debt review or want a deeper understanding, this guide will address key questions and common misconceptions. What is Debt Review? […]
How to Check Your Free Credit Report
Take Control of Your Financial Future Your credit report is more than just numbers—it tells a story about your financial health. A well-maintained credit report can help you qualify for loans, secure better interest rates, and improve your overall financial well-being. With Splendi, checking your credit report is easy, secure, and free. Follow our step-by-step […]
New Information on Your Credit Profile
Starting March 1, 2025, overdraft data will be reported to credit bureaus, and you may start seeing new information on your credit profile in Splendi. What is an Overdraft? An overdraft is a financial product offered by some banks, allowing you to borrow money through your checking (cheque) account. This lets you spend more than […]
Exciting New Offers Have Just Dropped on Splendi!
At Splendi, we’re committed to bringing you financial solutions that make life easier. Whether you need quick cash, are navigating the property market, or looking for a home loan, our latest offers are designed to provide real value when you need it most. Get Money: Short-Term Loan Need cash fast? Our new short-term loan is […]
Credit Approval Process: What SA Credit Providers Look For
Applying for credit can feel like navigating a maze. In South Africa, understanding the credit approval process—focused on credit behaviour, affordability, and employment verification—helps you build a strong profile. Let’s explore these pillars and how they shape your creditworthiness. Understanding Credit Behaviour in the Credit Approval Process A borrower’s past financial actions tell a compelling […]
How Do I Manage Financial Stress and Anxiety?
Financial stress and anxiety are common experiences that can affect anyone, regardless of income or background. The pressure of managing debts, bills, and financial obligations can take a significant toll on your mental and emotional well-being. However, there are practical steps you can take to navigate these challenges and regain control over your financial and […]