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DebtSafe Blog
Educating South Africans about debt management and finances.
Journey with us toward financial empowerment.
Prepare Your Pocket and Have a Rand-Wise Christmas This 2018

Prepare Your Pocket and Have a Rand-Wise Christmas This 2018

In a few months’ time, Christmas will be on your doorstep. And, are you certain that…

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Considerations to Have a Frugal, Yet Special Wedding Day

Considerations to Have a Frugal, Yet Special Wedding Day

It is not only spring that is in bloom currently, but also many couples (you and…

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The Reality of South Africa's Debt-Filled Culture

The Reality of South Africa’s Debt-Filled Culture

The proof is in the pudding. Many South Africans are forming part of a modern-day debt-filled…

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3 Clicks to Over-Indebtedness

3 Clicks to Over-Indebtedness

It is shocking and scary to know that consumers can pave their way to over-indebtedness with…

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More Debt, More Drama

More Debt, More Drama

A bit of drama in your life cannot hurt. It only makes you stronger, does it…

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Women’s Month 2018: How to Develop a Thrifty Money Psychology

Women’s Month 2018: How to Develop a Thrifty Money Psychology

South African women don’t only tackle their daily schedules hands-on; they are also known as providers,…

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Recommended Ways to Turn Your Debt Around

Recommended Ways to Turn Your Debt Around

Debt is such a familiar topic these days that you may feel: “Ah, same old talks,…

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Madiba Wisdom: How to Make Your Way to Financial Freedom

Madiba Wisdom: How to Make Your Way to Financial Freedom

Proper finance management is one of the most valuable things that you and every other South…

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Four Important To Do’s to Keep Your Credit Score in Check

Four Important To Do’s to Keep Your Credit Score in Check

Do you have any idea what your credit record is reflecting? You might be under the…

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#FIXIT: A Mid-Year Monetary Plan to Repair Your Finances

#FIXIT: A Mid-Year Monetary Plan to Repair Your Finances

It is almost July and somewhere along the line, you could not stick to your financial…

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Grow to Fiscal Independence with a Financial Father Figure

Grow to Fiscal Independence with a ‘Financial Father Figure’

To all the twenty- and thirty-somethings, with it being youth month and Father’s Day that is…

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Debunking the various Debt Review Myths that have plagued the Debt Review industry for years.

Debt Review Myths

There are many Debt Review myths that people wrongly believe. Having incorrect or incomplete information undermines…

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Winter Tips: Low Energy, High Savings

Energy Month (May) is almost done and dusted. But, that does not mean you have to…

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‘Financial Energy Boosters’ for South Africa’s SUPERMOMS

A mother is not simply just a mother or a juggler, multi-tasker and a ‘can’t-live-without-you’ type…

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DebtSafe Dictionary

DebtSafe Dictionary

A short dictionary of the terms you'll come across in Debt Review, Debt Counselling and Debt…

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Use These Four Financial Freedom Fighters and Tackle Your DEBT

Excessive debt is such a burden. Are you sure that you want to carry your debt…

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Reckless Credit: Two Sides of the Same Coin

Loans, clothing accounts, expensive furniture buys and credit upon credit. The South African consumer’s debt struggle…

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How the VAT Increase Is Going to Affect YOUR Financial Environment

April is here and it is in all probability your worst financial reality check. You may…

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Five Steps to Stick to Your Financial NEEDS & not WANTS

Don’t you just love the smell of fresh bread, donuts and other pastries as you pass…

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The Right to a Debt-Free Future

This month is an important reminder of South Africans’ human rights, and rightfully so. But, if…

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Find an Exit Door to Certain Service Agreements

#DebtExit On the news side of things – many citizens anxiously awaited a new open door…

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Don’t Let DEBT Hurt Your Relationship

It is the month of love – red roses, chocolate hearts and dinners by candlelight. BUT,…

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SEXUALLY TRANSMITTED DEBT

The perfect story – boy meets girl, you fall in love and move in together… In…

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If You Have Debt, Get Yourself Covered

Having various debt obligations these days, is nothing new. This includes debts like a credit card,…

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Seven Significant Steps to a Debt-Free 2018

The year is coming to a swift end and it is almost time to start afresh…

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How to ‘Jingle’ Your Christmas Day Budget

Matthys Potgieter, spokesperson and debt expert at DebtSafe, says there are still five things that you…

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Bonus or Tax Refund Anyone?

Are you one of the lucky South African consumers expecting to receive a 13th cheque or…

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Don’t Let DEBT Ruin Your Health

There is no doubt about it – times are tough and most citizens are barely (or…

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Debt Consolidation Loan vs Consolidating Debt via Debt Review

“Many consumers don’t necessarily know the difference between a consolidation loan and consolidating debt through debt…

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Are You Recycling Your DEBT?

Credit cards can be one of the most divisive products if not used for its intended…

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Five Tips for an Enjoyable, Thrifty Christmas

September is an eventful month as spring is in full swing. Are you already listing the…

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Five Financial Habits of a Debt-Free Consumer

Get rid of your out of season financial habits by trying out these five practices regularly…

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The Reckless Lending and Borrowing Cycle: Time to Face Reality

Many South African consumers are unaware of the true state of their debt, and sooner or…

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Cash is King: How to Improve Personal Cash Flow

Current economic times are tough and uncertain. Citizens face regular fuel and food price hikes/drops, negative…

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Additional Income Boosts for Consumers to Consider

After paying tax, covering rent, and paying those unavoidable bills, numerous consumers feel financially miserable. For…

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10 to Do’s When Groceries Leave Your Wallet High and Dry

Have the August grocery winds caught up with you lately – leaving your finances disheveled and…

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5 Tips to Stay Young, Happy and Financially Free

Are you a young, twenty-something individual, relatively fresh out of high school, college or university kick-starting…

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Freeze Your Spending

Who said winter is cold and tedious? It is never too late (or chilly) to apply…

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SMART Financial Goals

Who said you can only set goals every New Year? Not to mention financial goals. No,…

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Time to Re-GROW Your Savings

As many consumers may have noticed, July is National Savings Month. It is, therefore, the best…

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Bad Financial Habits Can Lead to Debt Disasters

A personal financial disaster can happen when you least expect it. Although you may feel that…

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The Swearword for Consumers

RECESSION First South Africans received the shocking blow of being downgraded to junk status, then the…

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Charity Starts at Home

Ever considered being part of something bigger than yourself?  Now is your chance. A day to…

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Create a Savings Culture

July is National Savings Month and there is no better time for us South Africans to…

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Stop Leaving Your Finances out in the Cold

Face it, spending a few minutes doing fiscal planning, budgeting and continually improving your finances, cannot…

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Voluntary Surrender vs. Repossession

Anyone’s financial situation can change overnight. It is nothing out of the ordinary for unforeseen crises…

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A Swipe Here, a Swipe There, Confusion Everywhere

Don’t fool yourself; a personal credit card equals DEBT. When you use a credit card, it…

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Are You Ready to Buy a House?

Ready, Steady…Wait, Are You Ready to Buy a House?

Having your own garden, garage, braai area and a place to call home gives you peace…

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DebtSafe Blog: Start Becoming a Green Family

Start Becoming a Green Family

Modern and desperate times call for modern and desperate measures. As it is the twenty-first century,…

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DebtSafe Blog - If you have not had the chance to draw up your Easter budget yet, there is a bit of time left to do so. Get your money saving plan going to have a fun-filled and affordable Easter weekend with family and/or friends.

Get “Eggcited” and Save This Coming Easter

Easter weekend is upon South Africans. For some, it is a deep and spiritual time, and…

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DebtSafe Blog - Wellness Survey

Financial Stress Can Impact Your Mind, Body and Overall Wellbeing

There is no doubt about it – times are tough, especially after the devastating news about…

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DebtSafe Blog - Junk Status

JUNK STATUS – What Now?

Many saw it coming and some even tried to ignore it, but unfortunately, South Africa’s biggest…

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10 Money Tips to Keep Your Special Day Within Budget

Weddings are ridiculously expensive. And can cost between R100 000 and R200 000 nowadays. Couples get overly excited…

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Busting 6 Debt Counselling Myths

Debt counselling offers an ideal solution of an effective debt repayment plan for many over-indebted South…

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Know Your Consumer Rights

An important part of South Africa's economic growth is consumers' trust in their preferred product or…

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Budget Speech 2017: A few potential effects on over-indebted consumers

Our Minister of Finance’s budget speech is not only going to be under the magnifying glass…

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Debt, Your Silent Relationship Killer

It is that time of year – red roses, chocolate hearts and dinners by candlelight. Ah,…

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Ways to Build a Healthy Emergency Fund

Life is always throwing curve balls and from time to time you will have to deal…

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What Will Your Workouts Really Cost You?

Now that 2017 is in full swing a lot of people are still working hard on…

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GROW Financial Stability This 2017

It is the ideal time to clear your mind and to start thinking about clever ways…

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Have Yourself a Money-Light December Break

The big December summer break is here, and plans are being made for holidays, family get-togethers,…

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How to Make the Most of Christmas on a Shoestring Budget

Christmas day is almost here and while many families are going to financial extremes for this…

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5 Tips For The Tough Economic Times

5 Tips For The Tough Economic Times

South Africa’s economic news is understandably making everyone nervous. From recent fraud charges that were laid…

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Car Repossession: What are your rights?

Car repossession has a major impact on your life. Everything becomes more difficult - getting to…

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4 Reasons People Do Not Save Money

When was the last time you could look back at the past month and think “wow,…

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What “Junk Status” Means To You and Me

South African are panicking and holding their breaths while international markets decide our country’s fate. We…

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More Money in Your Pocket after the Budget Speech

After a few weeks of exciting talks and reviewing Finance Minister Pravin Gordhan’s Budget Speech, people…

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The 2016 Budget Speech and How It Affects You

South Africans are facing radical increases in especially daily living costs and housing in a time…

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Spending Leaks

Spending leaks can do just as must damage as a water leak. Luckily finding a spending…

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DebtSafe Welcomes Changes to Retirement Funds

National Treasury this week announced changes to tax treatments of retirement fund contributions in provident, pension…

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Understanding What Debt Review Can Do For You

When do you know it's time to investigate whether debt review is something you should consider?…

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Tuning Out Debt – Part 2/2

2015 is truly at an end. With Christmas behind us and the new year ahead it's…

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Tuning out debt

Tuning Out Debt – Part 1/2

A festive welcome to DebtSafe's Tuning Out Debt Competition! We know that by this time you've…

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Spend Less in December: 4 Tips to Avoid Overspending

Spend Less in December: 4 Tips to Avoid Overspending

The holiday season is just around the corner and people are holding their breaths… 2015 has…

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Check Your Bank Statements

Most people never or rarely look at their bank statements or credit card statements. And when…

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Credit Linked Insurance

DebtSafe has recently launched OneWay, the first all-in-one debt solution product in South Africa. The OneWay…

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Helpful Tips to Pay off Student Loans Faster

For the past few weeks’ South African universities were under siege by students protesting increasing tertiary…

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Online Consumer Portal

DebtSafe recently launched OneWay, the first and only all-in-one debt solution in South Africa. The company’s…

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Welcome To OneWay. The Best Way Out Of Debt.

We all wish we could have more money, but for most of us life had a…

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New Affordability Assessment Regulations

In an effort to stop reckless credit granting, the National Credit Amendment Act (NCAA) has proposed…

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Spending Habits and Credit Cards

People's cash-flow is getting stretched more and more each month. But if you're finding yourself relying…

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Unemployment and Debt

Stats SA announced that the unemployment rate in South Africa has declined by 1.4% to 25%…

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Repo Rate Hike a Wake-Up Call for South Africans

When the South African Reserve Bank (SARB) governor Lesetja Kganyago last week announced a repo rate…

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Why Debt Review Is Your Best Option

Are you aware of the various options you have when it comes to getting out of…

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Saving for a Perfect December Holiday

The “silly season” is almost upon us and although this period is supposed to be joyous,…

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2015 National Savings Month

South Africa is celebrating National Savings Month this July. But this is also the time of…

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World Bank Stats 2014: South Africans Are Biggest Borrowers

In an article published on a well-known online publication this week, statistics from a survey done…

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Mountain Biking Boosts Healthy Lifestyle for Future Generations

Have you serviced your mountain bike and cleaned your helmet yet? Well, get your school to…

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Raising Money Savvy Kids

As a parent you recognise that money will play a fundamental role in your kids’ life.…

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SA Students Get Low Marks on Budgeting

A recent survey by Student Village revealed that South Africa’s students may be driving themselves into…

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Winter Wealth: Tips to Warm up and Save up on Your Electricity Bill

Keeping warm during the icy months from April till July can become expensive. We’ve grown accustomed…

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Making Your Inheritance Work for You

Receiving a portion or all of your inheritance, whether as a reward or due to the…

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Online Spending: What You Need to Know

A little under a decade ago, acquiring cash or purchasing goods or services was a lot…

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South Africans Unaware of the State of Their Credit Profiles

The recent amendments in the National Credit Act (NCA) will make it more difficult for consumers…

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Strengthening How We Represent DebtSafe

Strengthening How We Represent DebtSafe and You Our Client

When was the last time you felt refreshed? It’s a pretty awesome feeling. You feel ready…

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The Latest Amendments to the National Credit Act

The Latest Amendments to the National Credit Act

The latest amendments to the National Credit Act, gazetted on Friday 13 March, carry far reaching…

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The Cost of Getting a Divorce

The Cost of Getting a Divorce

The rate of divorce continues to increase in South Africa, as seen by the massive increase…

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The Free DebtSafe Budget Template

The Free DebtSafe Budget Template

46% of people who completed our survey stated that they do not have a financial plan…

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Safeguarding Your Stokvel

Safeguarding Your Stokvel

Stokvels - which date as far back as the 1800’s - are by no means a…

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Janu-Worry 2015 Survival Guide: 6 Steps

Janu-Worry 2015 Survival Guide: 6 Steps

It seems that all indications of an epic 2014 summer vacation has come to an abrupt…

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Have Your Dream Wedding and Still Save

How to Have Your Dream Wedding and Still Save

2014 brought with it an array of celebrity weddings. From Angelina Jolie and Brad Pitt's private…

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Maximising Your Year-End Bonus

Maximising Your Year-End Bonus

Many South Africans are eagerly awaiting their year-end bonuses. While the thought of having extra money…

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How to Avoid Overspending This Holiday Season

How to Avoid Overspending This Holiday Season

With the holiday season around the corner, many of us are already considering what gifts to…

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Preparing for the Festive Season

Even though it is only September we can’t be too naïve when it comes to our…

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Lending Money to Friends - Debtsafe

Borrowing Money to Family or Friends

We all have had to deal with some family member or friend who wanted to borrow…

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How to Find Peace of Mind in Spite of Your Debt Situation

We live in a world that is filled with all sorts of challenges and tensions. Financial…

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How to Pay Off Credit Card Debt

There are some advantages to having a credit card as it can be a convenient way…

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Spending Freeze Can Be Helpfull If You Are in Debt

South Africans are heavily indebted, as we all very well know. In order to make a…

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Debtsafe Voted South Africa’s Favourite Debt Review company

The past weekend saw the very first Debt Review industry awards. Presented by DebtFreeDigi magazine it…

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Can I get credit after the debt review process?

Question Can I get credit after I settled all my debt through the debt review process?…

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Can I use prescription as a defence for old debt?

Question Can I use Prescription as a defence for old debt? I have a judgement on…

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Acceleration Causes: Borrowers Beware!

An “acceleration clause” in a loan agreement (where the loan is repayable in instalments) provides that if the borrower fails to pay any one instalment, the full amount of the loan becomes due and is immediately recoverable in full by the creditor
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Can the bank repossess vehicles without a court order?

Question Can the Bank repossess my car without a court order? Hi. Can the bank repossess…

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Debt Review Questions Answered

Question Can accounts be excluded from debt review? Good day. I am wondering about a few…

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DebtSafe Shares Statistics 2012

JOHANNESBURG, South Africa – December 2012: DebtSafe today released its 2012 statistics of their client's debt…

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What Is Happening At ABSA Bank?

During our years in the debt counselling industry, we got used to bad behaviour from our major banks. Lack of co-operation, a disregard for consumers rights, unreasonable demands and many other problems were the norm.
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The “Cure” for Over-indebted South Africans.

Jobs are scarce and salaries aren’t keeping up with inflation, so something’s got to give. As the cost of living is increasing, South Africans have less disposable income and they are more inclined to look to personal loans or quick loans to make it through a normal month.
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Living Within Your Means

Why do some households manage their finances effectively while other people wonder where their money went long before their next pay check? The answer to this is three-fold: it’s important to have enough income to support a household, but it’s just as important to have the right mind-set and skills.
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Take The Time To Invest

To reach your goals, many advisors say your best action plan is to make small investments regularly.
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Personal Financial Management Websites Cater to Savvy Consumers

Personal Financial Management can be very valuable if it takes off in a big way - South Africans aren't the best at saving and setting financial goals can help people get out of debt as well.
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Free Debt Counselling

Some websites state that they offer free online debt counselling services. To determine if this is possible or if it is something worth looking into, consider these factors.
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Avoid Unemployment in a Struggling Economy

While unemployment is high in South Africa – a fourth of the workforce is jobless –…

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Are you finding it impossible to stay out of debt?

To make your journey out of debt a successful one, you will have to find ways to stay out of debt as well. Reminding yourself of the sacrifices you made to get out of debt is not always enough and before you know it, you’re swiping credit cards or taking out loans, each decision taking you closer to being out of control again.
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Your Psyche Can Cost You Dearly

Business Live: BRENDAN PEACOCK / 21 July 2012 The way we handle our money is a…

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Costly Protection: Credit Life Insurance

Financial Mail: Stafford Thomas | 02 August 2012 Credit life probe could unearth a big rip-off…

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How Is Your Financial Mentality?

Do you have a pipe or tank mentality when it comes to your finances?  Easy come,…

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Debt Counselling Regulations

New debt counselling regulations have just been issued.  These regulations provide far clearer direction to the…

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Findings Of The Sebola Case

Consumers have 10 days to register for Debt Counselling once “served” to avoid further legal action…

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Babies Are Our Biggest Financial Investment

Financial Planning is at the Heart of this New Beginning. 13 June 2012: When thinking of…

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Are you a lizzard or a frog?

Many of us sit back and wait for opportunities, we are like frogs who simply wait…

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Is it worth the sacrifices?

Trying to scrape together every cent you can to settle debt isn’t easy.  It is very…

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Understanding Debt Law

Once consumers have overspent and cannot afford to pay back the monies, ugly little 'additional costs'…

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Need debt help fast?

For those whose finances are spiraling out of control, here's a legal option that could help…

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DIY Gift Ideas

House & Leisure With the festive season comes ample excitement and celebrating. But it’s also a…

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Ten Tips to Stay Out of Debt This Year

Julius Malema recently marched to Pretoria demanding "economic freedom" in his lifetime. The economic chaos in…

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Few takers for debt counselling

Times Live, 18 March 2012 - Brendan Peacock Stigma keeps over-indebted from asking for help to…

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Financial slave or hero?

Are you progressing or going backwards financially.  It’s easy to tell how you are doing.  Just…

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Counting the Cost

Credit providers would, in an ideal credit world, love for you to repay your debt as…

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Having Fun Doesn’t Have To Cost You Money

More often than not, spending time doing things that cost very little gives us the most…

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Changing Debt Principles Over The Years…

Being Debt Free was something people took for granted 100 years ago.  Credit didn’t exist on…

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Make Your Dreams Come True in 2012

Who cares about where your friends went for their holiday?  It doesn’t matter if you didn’t…

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Stay Focused and Positive in 2012

The newspapers are full of gloom and doom.  If it isn’t the economy, it sure is to…

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Get Debt Free in 2012

Are new year's resolutions meaningless?  We are already nearly two weeks into the new year but…

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Need a New Year Resolution? Stay Debt Free!

New year resolutions are seldom kept.  You made a resolution when you signed up for debt…

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Is debt getting to you?

Some people pretend they are fine when they are really battling. They think they can fool…

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Repayment Installments & Sticking To Them

Do you wonder why it is taking so long to pay off your debts? Debt counselling…

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Turn a Bad Credit Record Into A Good One

So many people are worried about their credit record.  My advice is to relax and don’t…

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Lifeline In Rising Waters

Financial Mail 27 October 2011 - Stafford Thomas: The National Credit Act (NCA) has not fully…

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Consumer Debt Out Of Control

Financial Mail 27 October 2011 - Stafford Thomas: When the National Credit Act (NCA) was enacted…

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Prioritise, Save and Invest

Are you one of those people who say, I don’t earn enough, I’ll never be able…

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The Start Of A Debt Free Lifestyle

Debt counselling is a very valuable process if you learn from it.  It is easy to…

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DebtSafe Reduces Monthly Repayments

DebtSafe, a leading debt counselling institution today released statistics based on results taken from existing clients…

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Avoid the Spending Hangover This Festive Season

As the 2011 Christmas season tiptoes closer, consumers start turning their minds to thoughts of celebrations,…

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Debt Advisers Take Taxi Owners For A Ride

JOHANNESBURG, South Africa – 2 September 2011: Today, one of South Africa’s leading daily newspapers, Business…

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Debt Counselling Rules System (DCRS) And Consumer Rights – Consumers Beware!

The latest development in the debt counselling industry is the so called Debt Counsellling Rules System…

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Beware of DebtSafe Imitations

DebtSafe has become a household name in the debt counselling industry in South Africa. We assist…

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Invalid Creditor Terminations

Do you worry what will happen if the debt counselling process is terminated even though you…

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Prescription Is A Word Creditors Hate To Hear

Prescription is a word creditors hate to hear.  Any account which has not been paid for…

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Open Letter To All Creditors

NON-PARTICIPATION, TERMINATIONS AND UNREASONABLE COUNTER-OFFERS DebtSafe is committed to providing debt counselling services in terms of…

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The Truth About Debt Review

Some debt counsellors are not communicating the true impact of the debt review process on a…

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Debt Review Consumers Save Millions

Section 103 of the National Credit Act is causing an uproar with creditors. This Section states…

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Creditors Terminating Debt Counselling

The National Credit Regulator and a wide range of debt counselling companies are committed to stopping this abusive practice ...
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Debt Counselling Fees

Until recently all Debt Counsellors were forced to charge the same fee, the Competition Commission has since ruled that this is illegal ...
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Negotiating a New Payment Arrangement

The negotiation of a new payment arrangement with each creditor can be extremely time consuming.
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