How Not To Overspend This Holiday Season

Tis (almost) the season to be jolly and typically, spend lots of money. If the upcoming December holiday season makes you break out in a sweat over the huge amounts of money you know you will be handing out, consider ways in which to save your money, while still enjoying the merry season. We live…

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The year’s end is almost here, along with the long awaited Christmas holidays. Most South African employees receive a Christmas bonus, and some receive a 13 th cheque. While this makes you feel giddy about the extra cash, the big question is what are you actually going to do with it? Should I spend my…

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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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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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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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Studies have shown that only 1 % of children who receive pocket save a portion of it. This is a frightening statistic if one considers that how easy it is to teach young children how to save money. As a parent, you can help teach your children the value of saving money and why it…

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3 Tips For Saving Money This Holiday

Noel is around the corner. Yes, it is a few months away, but with the way time seems to be moving, it will be here before we know it. The festive season is often regarded as the silly season, and it is easy to understand why. Many families spend exorbitant amounts of money on gifts,…

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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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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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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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