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Purchasing an item using credit often can feel as though the purchase is ‘free’. This, however, is definitely an illusion. The debt you create costs you more than you anticipate. All debt has interest. In fact, the higher the interest rate, the higher the amount you’ll pay for your debt. This also means that the…

The holidays are packed full of money-spending opportunities. There are birthday and Christmas gifts to buy, holiday travel or vacations to book, or just additional family members to cater for at home. In all the excitement and festivities, it can be difficult to keep track of your spending or stick to a budget. For many…

Financial difficulties can cause terrible stress.  Calls from debt collectors demanding payment will have you anxious and worried.  Bills in the post with “final notification” emblazoned on the front may make your breath catch in your throat.   Not knowing if you can meet your financial obligations every month will place a lot of strain on…

Saving money is important in today’s economic climate, especially in South Africa. When you were growing up, did you save your cents in a piggy bank or under the mattress? As an adult, this may seem like a childish activity, but saving is even more important once you begin earning your own income and dealing…

It is easy to find yourself in debt.  You can have a few bad months of not earning enough money to cover your expenses, and suddenly you are in a precarious position.  Perhaps you have an accident and need to pay for repairs to a vehicle.  Maybe you are injured or a family member becomes…