How To Make a Monthly Budget (A Step-by-Step Guide)

How To Make a Monthly Budget (A Step-by-Step Guide)

Creating a budget is the most important step you can make in improving your financial life. Having all your income and expenses in one place allows you to analyse and manage your finances. If you have no idea where your money is going, it is impossible to stay on top...
The Bad Effects of Short Term Loans that You Should Know About!

The Bad Effects of Short Term Loans that You Should Know About!

Short term loans are often made out to be the solution to your cash flow problems. While they may help boost your short term cash flow, are they the best decision over the long term? Before you consider a short term loan, there are some factors that you need to...
How to Refinance Your Debt into Your Bond?

How to Refinance Your Debt into Your Bond?

Debt can be one of two things, an enabler that gives you cash when you need it or another asset that adds value to your life. While long term debt can allow you to buy assets that can help you to create a better life, short term debt can land you a lot of high...
How to maximise your Tax Free Savings Benefit?

How to maximise your Tax Free Savings Benefit?

Investing and not paying tax on your returns sounds too good to be true. However, using the Tax Free Savings Accounts (TFSA) allows you to invest without paying tax on any earnings, dividends or interest earned within the account. This system was introduced by the...
What Makes Up my Credit Score in South Africa?

What Makes Up my Credit Score in South Africa?

A credit score is often spoken about and used as a metric to judge the risk of our customers. This number can make a huge difference in your ability to negotiate credit and get better interest rates, but what is a credit score and what affects this number?  Your...