National Debt Counselling Association

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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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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