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Loans For Bad Credit: What Are Your Options?
With over 42% of the 23 million credit-active consumers falling behind on their debt repayments, loans for bad credit are a common thought among South Africans. In this blog, we're digging into all things bad credit loans South Africa, shedding...
Getting Loans Blacklisted: Understanding the Dynamics
When it comes to obtaining loans blacklisted, it's crucial to understand that the drawbacks often outweigh the benefits. If you're ever in a situation whereby you need a loan but are blacklisted, seeking financial help can feel like an uphill...
Don’t fear the term ‘blacklist’
Pay back the money and get out of the bad books BLACKLISTED is not a word that brings good things to mind. First of all, let's be very clear. There is no physical blacklist on which your name appears and it is not to be confused with any scandalous...
Blacklisted – In need of help?
Blacklisted – In need of help? The term, blacklisted is outdated and non-applicable! The credit bureaus only listed negative information about credit user behaviour before the 1980s. Historically, creditors would keep an actual list, referred to as...
What does a debt review counsellor do?
What does a debt review counsellor do? A debt review counsellor, performs the same duties as a registered debt counsellor. In fact, they are one and the same thing.Whatever you call them, they are (through the National Credit Act) responsible for...
Money Saving Tips for Shopping
Money Saving Tips for Shopping Wondering how to save money on your shopping but don’t know where to begin? From your weekly food shop to your next gadget purchase. For many of us, shopping takes up a large chunk of the monthly budget. Whether...
Separating Good Debt from Bad Debt
Separating Good Debt from Bad Debt You will hear some high-profile personal finance experts say that all debt is bad debt, while others clearly separate good debt from bad debt with traditional adage (student loans and home loans are good debts;...
Seeing Yourself the Way Creditors See You
Seeing Yourself the Way Creditors See You Unless you are a crazy person, you probably see yourself as a nice person. You give up your seat on the bus to little old ladies, you are honest about your income taxes. Now it is time to look at yourself...
Save Electricity and Save Money
Save Electricity and Save Money Did you know your heating and air-conditioning system sucks up most of the energy that you pay for? Using less energy isn’t just better for the environment – it will save you money. It doesn’t matter if you own or...
Managing Your Past Due Bond
Managing Your Past Due Bond This is both financially and emotionally draining and whether you are living in the suburbs with white picket fences, a mansion or a modest cottage, either way losing your home in foreclosure easily ranks as one of...
Rebuilding Your Credit History
Rebuilding Your Credit History By now you should have realized that there is nothing more important than having a good credit score. Your credit score is the first thing that all lenders and creditors will look at before granting you any form of a...
Prepare Yourself for Optimal Money Saving
Prepare Yourself for Optimal Money Saving Save? Spend? Or Both? Good money management is a mental exercise in self-regulation and focusing on the long-term. Even the most uber-organized and priority-minded people can stumble when it comes to money...
