debt

Savings: What happens when reality thwarts the best intentions

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National Savings Month encourages South Africans to develop healthier saving habits and build greater financial resilience. The initiative is important, but much of the advice assumes consumers have money to save – something that doesn’t reflect the financial reality facing many households. Research suggests that the primary constraint on saving for some households is limited […]

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Credit terms translated: 5 aspects everyone should understand

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Credit is integral to modern life. Most people couldn’t afford to buy a house or car, or pay for tertiary education without it. But the terms associated with credit and debt aren’t always easy to grasp. This is despite provisions in the National Credit and Consumer Protection Acts that information and documentation provided to consumers

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Good and bad credit – and why it matters

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Under pressure from rising electricity prices and municipal rates, South African consumers now face soaring fuel costs, which will have a knock-on effect throughout the economy. The consequences for people with little or no financial wiggle room are already apparent, with applications for debt counselling in April already significantly up compared to last year. National

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The laws that protect you when you need credit

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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

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4 financial lessons from your future self

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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

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42% of women face financial stress: Why a ‘money date’ is a must-have

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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

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Facing school costs when dealing with debt: Careful planning is crucial

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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

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Make 2026 the year of smarter credit choices

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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

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No-Debt December: Pause before swiping this festive season

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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

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