Writer DS

A personal financial disaster can happen when you least expect it. Although you may feel that the bank, creditors and every other provider are to blame, a combination of your own bad financial habits can ultimately lead to a debt disaster. It is often the small things that you neglect, like repairs, that push your

RECESSION First South Africans received the shocking blow of being downgraded to junk status, then the fuel price increase was announced and NOW consumers are trying to make sense of a curse, yet crucial, word – recession. Recent news about the technical recession is leaving some individuals feeling a bit topsy-turvy at this stage. Just

July is National Savings Month and there is no better time for us South Africans to get proactive with our savings habits. By improving our own savings behaviour and by encouraging others to save we can be the start of a much-admired nationwide savings culture.  National Savings Month is an initiative that came about in

Face it, spending a few minutes doing fiscal planning, budgeting and continually improving your finances, cannot be seen as a waste of your time. If, however, you are a first-timer and you can only relate to an unending financial winter, it is time to get your money situation back on track. You are not the

Anyone’s financial situation can change overnight. It is nothing out of the ordinary for unforeseen crises (like retrenchment, divorce, life-threatening illness or an emergency) to occur. This can make it difficult to pay your debt instalments. There are two things that you can get confronted with if you can’t pay for the goods that you

Don’t fool yourself; a personal credit card equals DEBT. When you use a credit card, it feels so easy and it’s so much fun until you get hit by a confused reality – your debt spiralling out of control. You need to ask yourself an important question: Why do you actually want to use a

Having your own garden, garage, braai area and a place to call home gives you peace of mind, doesn’t it? Owning a home is indeed also considered a privilege, but there are things to take note of before you can even think of buying a house. Here are some considerations and certain questions you need

Modern and desperate times call for modern and desperate measures. As it is the twenty-first century, people should make lifestyle and habit changes to become more green for the planet’s sake. We encourage all South African families to work together by recycling; saving water and electricity, and also using environmentally friendly products to not only

Easter weekend is upon South Africans. For some, it is a deep and spiritual time, and for others, a time of relaxation and fun. Whatever you are planning this Easter, have you considered a few money-saving options to make it a memorable and affordable one? If not, no  worry, we have a few ideas on