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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...

How to create a savings goal?

How to create a savings goal?

Saving is often something that we put off when it is a crucial part of building your wealth and financial freedom. Savings can be your safety net when unexpected expenses occur.  How to get started? The first step is to set your savings goals. Having a savings...

5 Personal Finance Tips Every South African Should Know

5 Personal Finance Tips Every South African Should Know

Personal finance is the entire financial world that makes your financial life. Each individual has their own set of needs, wants, desires and goals; hence the personal in personal finance. While we may understand what the word means, many of us find personal finance...

Personal Budget Tips You Should Know

Personal Budget Tips You Should Know

Planning a personal budget can feel like a rather overwhelming task. It may feel like opening a Pandora’s box of debt, bad planning, failure, bad financial decisions, and overdue accounts, but the whole point of having a budget is to avoid experiencing these things. A...

How to Save Money in South Africa?

How to Save Money in South Africa?

Times have been tough during recent years. A time of unprecedented job losses, health risks and financial toll. This has forced us to dig into our savings to stay afloat. But now that things are slowly returning to normal, how do you build up these savings again? How...

How Edvance Can Help You Reduce Debt Now And Avoid It In The Future?

How Edvance Can Help You Reduce Debt Now And Avoid It In The Future?

Have you found yourself in the position where you cannot or are struggling to afford your monthly debt repayments? This is a tough situation to be in. However, this will not equip you to make better financial decisions in the future.  Education is said by many to...