Saying No Could Save You Money

If you often walk through the mall looking at home wear, electronics, or clothing that you just can’t resist buying, you’re not alone – people around the world have the same experience every day as they dream of living the life they deserve.

The trouble is, we can’t always afford all those things we end up buying and that can lead to serious debt problems – is it always worth it to buy that new TV or pair of shoes when you’ll end up with sleepless nights over your debt situation – sometimes it’s just better to say no. Continue reading

How Can I See My Credit History?

Have you ever been turned down for a credit card or a loan application because of your credit history? Thousands of South Africans are surprised to find out that they have a judgement against their names or that they have been reported to a credit bureau as a bad debtor without even realising it. To avoid embarrassment and disappointment, you should check your credit history regularly – but how do you do it? Continue reading

Money Saving Tips

Saving money is one of the most important things you can do to make sure that your finances are always in order. With money in the bank, you’ll be able to afford the lifestyle you’ve always wanted, and you will also have extra security if you find yourself retrenched or unemployed for any reason.

When you retire, your savings and pension fund will become your only income, and the more savings you’ve managed to build up, the more comfortable your life will be when you’re no longer working. Here are some easy money saving tips that will help you build a comfortable future: Continue reading

How Much Money Do I Need For My Child’s University Education?

We all want the best for our children, and if you’re a parent you may be thinking about the rising cost of your son or daughter’s university education. No matter how young your children are, the best time to start planning for their education is right now – here is a quick guide explaining the costs involved in a university education today. Continue reading

Do You Know Your Credit History?

If you’ve every applied for a credit card, personal loan, bond, or retail account, you’ll know just how important it is to have a good credit history.

Every credit provider will check your credit history before extending you a loan or account, and even the smallest mark against your name could cause your application to be rejected. In the worst case scenario, blacklisting could shut you out of the credit system for years, making life extremely difficult. Continue reading

Financial Terms Explained

With the huge number of technical terms that float around in the financial sector, understanding an investment report or even reading through an in-depth financial article can be daunting for investors who may not have a background in commerce. To make things clearer, we’ve compiled a list of common financial terms with everyday explanations that should make it easy to navigate the world of finance: Continue reading

5 Top Budgeting Tips

No matter how much you earn, budgeting is essential to ensure that your finances remain on-track, especially in these challenging times. Fortunately, the process of creating a household budget is quite simple and sticking to your monthly budget may not be as difficult as you think – here are five excellent budgeting tips that will give you control over your finances, irrespective of your income: Continue reading

Short and Long-Term Loans – Different Forms of Borrowing Explained

The sheer number of financial products available today can be daunting, and loans are no exception. As financial companies fill new niches in the market all the time, a range of new loans is available to suit every customer and need. One of the most important steps for anyone who is considering taking out a loan is to understand the difference between the two main types of borrowing: short and long-term loans. Continue reading

5 Reasons to Take Out a Personal Loan

No matter how well you budget, there are times when you just need a little extra financial help before the end of the month comes around. Whether you’ve had to pay an unexpected expense, travel a long distance on short notice, or are still reeling from a surprisingly expensive car service, a personal loan can see you through to your next pay cheque and avert a financial squeeze in the process. Continue reading