debt
If you fail to make your credit card repayments, the bank will report you to the credit bureaus and this, in turn, will affect your credit score. Remember, your payment history accounts for 35% of your overall credit score, which
As a mother to young children, these years may find you time-poor and cash-strapped as you juggle career and motherhood while at the same time paying off your home loan and vehicles. Convenience spending is likely to increase during this
Tracking your expenditure and knowing exactly where your money going is a surprisingly empowering exercise. Take time to go through your bank statement and make sure you can account for every cent you have spent.
The speed and efficiency at which we can now purchase goods means that many of us miss out on the opportunity to do market and product research, shop around, and seek alternative options. Further, online marketers are experts at making
If you’ve never had a retirement plan prepared and you don’t know whether you are putting away enough for retirement, this will undoubtedly be a source of stress for you. According to the 10X Retirement Reality Report, 67% of economically
You’ll be hard-pressed to find any South African who has not been financially impacted by the Covid-19 pandemic. Now is the time to take realistic stock of your festive season budget bearing in mind that any festive season spending over
Interests rates are currently very low which could give you a false sense of security when it comes to repaying your home loan, car or credit card. However, interest rates are not likely to stay low this way indefinitely so
Don’t hesitate to have those difficult financial conversations early on in your marriage. Is there a financial demanding ex-spouse or child that is causing tension in your relationship? What happens if you need to provide financial assistance to your elderly
Talking to family, friends and colleagues about your personal finances should really only be done with your partner’s consent. Finances are highly personal, and it is only understandable that a partner would feel aggrieved if the other partner discusses your
Because each spouse is able to bind the joint estate through their actions, our law affords some protection by requiring spousal consent for certain transactions. For instance, your spouse’s consent would be needed if you want to sell a joint
