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As a general rule, it is important to understand that all debts are effectively defined by the consensus that we as consumers are given money/the chance to spend in the now while only paying back later. The definition of debt is simply stated as “a.....
With the recent New Year celebrations now only a dim memory and January already over, most South African citizens have returned to work and their daily routines, which for many of us involves revisiting the financial pressures of the year before. Whi...
Many South African consumers are faced with the constantly rising cost of living, which leads to an increase in monthly financial pressures. Before you know it, credit card and loan repayments are keeping you up at night and you find yourself over in...
A monthly budget is one of those often overlooked but incredibly important financial necessities that can change the way you manage your finances. Regardless of your salary, expenses and financial obligations, a monthly budget equips you with the pow...
As a South African consumer earning a basic salary and attempting to make important progress in your life, be it for the best interest of your family or to overcome unexpected financial setbacks, the prospect of attaining useful credit can make a big...
As an over indebted South African consumer in search of assistance with debt problems, Less Debt offers a reputable service that gives our clients peace of mind. The reality facing middle class citizens is a harsh one, with financial instability resu...
Over the past year, South African consumers have faced petrol increase upon petrol increase, with the cost per litre up by R2 since January 2019. Sadly, there does not seem to be an end in sight, with more price escalations set for the months to......
Are you in control of your debt, or is your debt controlling you? The harsh reality faced by many South Africans today is that our salary increases are not on par with the continually increasing cost of living. Although it is not fair or even......
Facing Car Repossession? No one ever apply for Car Finance with the intention of skipping payments. Unfortunately, your financial situation can change any time. Then the what’s start… What if I can’t pay my car at the end of the month? What will the ...
As South Africans faced with a weakening economy we find that, as the years go by, it becomes harder and harder to avoid credit. Without a credit history for reference, it is impossible to take out a loan for a house or car, which are......
No matter the depth of your financial troubles or the extent of your past mistakes with money, there is always a way out. Paying off debt takes time, patience and commitment, while the reward of a debt free existence is well worth all the effort......
As a parent, you have a significant impact on your child from a young age and set the standard for future behaviours. There are serious implications to consider when you realize that your child may pick up on your spending habits, especially when you...
It takes a certain amount of restraint to have a credit card and use it properly, especially when you find yourself under financial pressure or have a bad habit of overspending. Though it can be helpful in affording you a good credit score over time,...
We have all been guilty of spending a bit too much money on occasion or during certain stages of our lives. When we are young and free of responsibilities and financial obligations, it is very easy for bad financial habits to form, however this is......
Credit card debt is very common in South Africa, with millions of consumers signing up every year. The reality of credit card debt is actually frightening, given that the interest rate on a credit card is very high, which in turn results in excessive...
