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Posts by Claudine Editor

How You Can Manage Your Debt

When you understand your debt profile, you will be better equipped for managing and paying off your debt. Your debt profile is your affordability, and your debt responsibilities. Your affordability can be determined by working out your debt-to-income ratio. This is your monthly commitments versus your income. Divide your monthly debt repayments by your net…

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Debt Consolidation Loans: What are they?

According to statistics released by the Reserve Bank, South African consumers are almost R1.7 trillion in debt, and that over 25 million South Africans owe money to both lenders and financial institutions. It has also been found that, on average, 72% of South Africans’ income was used to pay debt. What is a debt consolidation…

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Stuck in a Debt Rut? Consider Debt Review

If you are drowning in debt and it feels like it is taking over your life, it may be time to seek assistance. Taking responsibility for the debt problem and acknowledging that there is in fact a problem is the first step you need to take. You can also consider debt review. Some feel wary…

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Spring into the New Season with These Money Saving Ideas

Spring is a wonderful season! The days are slowly but surely getting longer, and warmer. Spring often means preparing for the summer ahead. It represents a return to new rhythms and patterns.  Many do a huge spring-clean in their homes, sweeping out the dregs of winter and inviting the warmth and cleanliness in. The same…

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How Debt Counselling Can Help You

First introduced by the National Credit Act in 2007, debt review is an opportunity for guidance and assistance for over-indebted consumers. Debt review has assisted thousands of lives for the better, where debt stressed households have been saved from financial ruin. Debt counselling or debt review as it is also known, can assist you by…

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How to Save Money this Winter

Winter is definitely here, where our night-time temperatures drop to below freezing. While winter often evokes happy thoughts of hot chocolate and delicious stews, it also makes one worry about the higher cost of living typically associated with the chilly season. Here are a few tips to consider for saving money this winter. Don’t feed…

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The ABC’S Of Debt Review

Debt review is a process that is designed to help put people back on track when they are struggling financially. Expenses seem to just add up until, before you know it, there are outstanding bills and you’re now in debt. If you are struggling with keeping on top of your monthly debt repayments, debt review…

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How To Look For A New Home While Under Debt Review

Are you worried about your rental or property options while you are under debt review? Debt review can help lessen the burden of debt repayment, but it can sometimes feel restricting when you want to pursue other financial prospects. It is true that while you are under debt review, you should aim to avoid taking…

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