We are all aware that we can save on our energy bills, but we sometimes forget that it is often the most simple of tasks that make it a reality. No one likes being cold, and it is the easiest thing to switch on a heater to warm the room at the end of the…

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Honouring your monthly debt payments can be challenging, especially during difficult economic times. It may be that you have been retrenched, and are finding it a struggle to make ends meet.  Avoiding your debt payments will not help, and, as you have borrowed money or incurred debt, you have a contractual obligation to repay the…

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Managing your money is always important, but it becomes essential during a crisis like the coronavirus pandemic. The entire world is facing a challenging time, and you may find yourself in a similar situation. It is a good a time as any to re-evaluate your finances, your debt and the way forward. Steps to consider:…

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Debt relief is, in a nutshell, measures that are put in place to reduce or refinance debt in order to make it easier for the borrower to repay it. At some point in their lives, people may face a financial crisis. This could be caused by a number of factors such as illness, the loss…

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The National Credit Act (NCA) was first established and then signed in 2005 to protect a consumer who enters into a credit agreement with a credit provider. A credit provider is someone, or a business, that provides their services to you on credit. An example of a credit agreement could be a credit card, store…

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You may find that you have too much debt and are struggling to make ends meet. If this is the case, you might want to consider applying for debt counselling. Before you approach a debt counsellor, it pays to ask a number of questions about what a good debt counsellor is, and what you need…

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There are many South Africans who are battling to meet their monthly debt obligations. When you are struggling to pay your debt, you could let your creditors hand your debt over to debt collectors – or you can let debt counsellors help you deal with your debt. Wouldn’t it be better to take responsibility for…

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As social distancing is our new ‘normal’ and we spend more time indoors, it is likely that we will be using more energy in our homes. There are a number of ways to reduce the amount of energy that we use within our homes, and still keep warm. Every bit helps, so even small changes…

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Looking down from the top of a mountain of debt, you may think it’s too late for debt counselling to help. It seems like somebody should have offered debt counselling long before the base of that mountain was formed. Likely there were warnings from different sectors, but you may have been moving too fast to…

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You know if you have too much debt. The awareness may have come upon you slowly but on some level you knew something would soon have to give. You’re worried all the time, afraid to answer the phone because of harassing phone calls. You have no back-up plan if you get sick or your car…

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