When applying for credit or repaying it, South Africans may assume lenders have the upper hand – but when dealing with creditors, banks, payday lenders and debt collectors, consumers’ rights are protected by law. The most important laws that regulate how credit is granted, how financial advice is provided and how debts may be collected […]
The laws that protect you when you need credit Read More »
If your 40-year-old self could sit down with your 20-year-old self, the conversation probably would not be about bold investment moves or overnight financial windfalls. It would be about the small, quiet habits that either slowly derail your finances or steadily build them. Asking questions about money, sharing experiences and speaking openly about financial challenges
4 financial lessons from your future self Read More »
JustMoney’s recent survey, Money & Me, reveals a significant gender gap in financial wellness: 42% of women report feeling financially stressed, compared to 34% of men. This Valentine’s month, rather than a fleeting luxury, the most meaningful investment you can make in your relationship may be a transparent conversation about money. The reality behind the
42% of women face financial stress: Why a ‘money date’ is a must-have Read More »
With the festive season behind us, many South Africans are focused on a reset. We’ve cleared the sugar from our pantries and the clutter from our homes, but there’s one vital area we often overlook that quietly drains our energy and our bank accounts: our finances. Financial clutter isn’t just a messy spreadsheet. It’s the
How to declutter your way to good financial health Read More »
Education is one of the most important investments a family can make, but the costs can be prohibitive. School fees, uniforms, textbooks, transport, sports, extra lessons and other activities can leave families out of pocket and parents overwhelmed. To worsen the situation, more than a third of South Africans spend up to 40% of their
Facing school costs when dealing with debt: Careful planning is crucial Read More »
South Africa’s credit landscape just offered a rare glimmer of hope: a 14% year-on-year improvement in default rates according to Experian’s latest Consumer Default Index (CDI). However, this seemingly positive statistic is a deceptive illusion, stemming more from tightened lending practices than from a genuine surge in consumer financial strength. As the echoes of festive
Make 2026 the year of smarter credit choices Read More »
As South Africa gears up for the festive season, a powerful counter-narrative is emerging, urging a radical shift in how we approach our December spending. Chris Coetzee, a seasoned debt counsellor and CEO of the FinFix Group, is spearheading a financial movement called No-Debt December. His message lands in a year where global markets have
No-Debt December: Pause before swiping this festive season Read More »
The festive season can be testing for even financially disciplined consumers, and by the time South Africans return to work, many will have spent more than they can afford. According to René Moonsamy, chairperson of the National Debt Counselling Association, it’s a cycle that repeats itself year after year, with debt counselling enquiries spiking every
How to navigate festive finances Read More »
Millions of South Africans face unexpected financial shocks every year, yet many don’t realise they may already have insurance that covers their loan repayments if something unexpected happens. It’s called credit life insurance, and it can make the difference between keeping your financial footing and not being able to meet your obligations if your income
Your debt could be insured, and you may not even know Read More »
Financial management – the basic act of organising day-to-day finances, managing debt and building a savings buffer – is one of the most under-emphasised components of comprehensive financial planning, despite having a disproportionate impact on mental health. This narrative needs to shift. There is often a significant link observed between your financial situation and your
Why debt is ruining your sleep: The link between financial stability and mental health Read More »