debt

Why debt is ruining your sleep: The link between financial stability and mental health

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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 […]

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Money & Me survey: South Africans are struggling but remain resilient

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South Africans continue to face significant financial pressures, grappling with rising living costs, family responsibilities and debt. Yet, despite these challenges, they remain remarkably resilient and resourceful, finding innovative ways to stretch their budgets, explore additional income streams and make the most of the resources at their disposal. This is according to the inaugural Money

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8 in 10 people say money worries are hurting their mental health

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As Mental Health Awareness Month shines a spotlight on the factors affecting South Africans’ well-being, figures from a Sanlam Benchmark survey reveal just how deeply financial stress is impacting daily life: 80% of South Africans said they were currently experiencing financial stress, which was impacting their mental health. “Financial stress isn’t just about money. It’s

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Online and app subscriptions may be getting consumers in financial trouble

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As the digital economy continues to grow and consumers use an app for everything, from ordering food and groceries to online shopping and entertainment through streaming and gaming apps, have you ever sat down with a copy of your monthly bank statement and calculated how much you spend on subscription expenses and online purchases? Soon,

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Top 5 tips for a financially sound festive season

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“It’s the most wonderful time of the year,” as the festive jingle says – but the season also brings temptations to overspend. From enticing sales to ‘buy now, pay later’ offers, it’s easy to fall into financial traps and begin the new year with regret. CreditSmart Financial Services urges South Africans to make informed financial

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Black Friday deals vs debt: How to stay in control in tough times

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With Black Friday tomorrow, South Africans are bracing for a surge of discounts and deals. While the excitement of snagging bargains is undeniable, overspending can quickly lead to debt and financial strain. Sebastien Alexanderson, head of National Debt Advisors, shares insights into the psychology behind spending and provides practical advice to help consumers stay disciplined

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SV Capital banner/ Wrap up the year smart

‘Tis the season for #FinancialFitnessGoals

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Let’s face it: South Africans turning December into one long spending spree could be a national sport. Whether it’s throwing the biggest braai or grabbing that extra ‘just-because’ gift, the festive season feels like an open invitation to splurge. But when January rolls around, the financial hangover hits harder than expected. But it doesn’t have

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Credit card dependency soars as South Africans struggle to survive

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South Africans have faced a challenging year dealing with sluggish economic growth, limited consumer spending power and unprecedented hikes in fuel prices that disrupt daily life, putting extra pressure on individuals’ finances. This is according to Sebastien Alexanderson, head of National Debt Advisors, who says that as the cost of living continues to rise and

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Doomed… A festive season, without a financial plan

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While South Africa’s annual inflation rate fell to 4.4% in August 2024, its lowest since April 2021, the cost of living remains a major financial concern for many. Despite the slight drop in inflation, many South Africans are still struggling with cashflow issues, making it difficult to focus on saving opportunities that could improve their

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