Blog - Debt Consolidation

Follow our 10-step plan for debt review to get out of debt and gain financial independence again. The first thing you need to do is fill out our online contact form. A friendly consultant will contact you with all the information you need to proceed. You will need to fill out an application form and…

Financial strain is one of the leading causes of stress in today’s world.  Some of the warning signs that you may be over-indebted include receiving phone calls or threatening letters from creditors, having to borrow money from micro lenders to meet your monthly expenses, and using your credit card to pay for living expenses.  It…

What do you do when you realise your debt is mounting? For many, being in debt is cause for panic, and they make irresponsible financial decisions to try to counter their debt. This inevitably leads to even more debt and no solutions. Debt itself is not the end of the world; in fact, it can…

When you are in debt, you could be using a large portion of your salary to pay off your debt.  This could leave you with little to meet your daily living expenses.  It could also make it impossible to save for the future.  Being able to afford your child’s education, especially university or college, could…

In these tough economic times it is difficult to make ends meet, and it is easy to find yourself in debt.  It only takes one unfortunate event to push you into the red.  Perhaps your car needs major repairs; or you are in an accident; or you or your partner is retrenched.  Your monthly budget…

Keeping track of finances and payments can be tough, especially when you’re managing a business as well as personal accounts. Many South Africans take out loans in order to make ends meet. In today’s economy this is both a necessary and useful system, but it has its risks. Loans are a form of debt, and…

Finding yourself in debt is very stressful.  The prospect of not being able to meet your financial obligations is worrying.  Perhaps you cannot pay your bills or provide for your family. It is not unusual for people in this situation to berate themselves and to conclude they are stupid.   This is not helpful.  There are…

Do you want impartial debt advice for the new year? Financial management is stressful for most people, and having some advice and guidance can go a long way. South Africa’s new fiscal year begins on 1 April, with the tax and assessment year starting on 1 March for individuals. This means that now is the…

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If you are struggling with debt it makes sense to come up with a plan.  Avoiding the issue and digging your head into the proverbial sand is not the answer.  It is better to properly assess the situation so that you can explore your options.  Finding yourself unable to pay your bills is very stressful…

There is no escaping it:  South Africans are terrible savers.  We lag considerably behind other emerging countries when it comes to investments and savings.  The World Economic Forum puts our savings at a mere 15.4%, whilst countries like India and China sit at 32% and 51% respectively. There isn’t a culture of saving in South…

Children learn from observation.  They see how you behave and that leaves a lasting impression.  The saying, “do what I say, don’t do what I do” will never work with kids!  It is best therefore to practice good financial habits.  If saving is instilled as a value in your child at a young age, they…