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Welcome to our blog! Here you’ll find helpful advice and useful tips to improve your financial situation.

In recent years the number of informal lending schemes in South Africa has grown significantly as people continue to look for new ways to access more money. But is this a reliable and safe way to take...
Let’s face it, life can be expensive. You can go from being on top of your finances to drowning in debt very quickly – whether it be due to unforeseen medical expenses, a terrible car accident,...
Many people in South Africa try to solve their debt problems with more debt. It is a common misconception that if you cannot afford to pay off a loan, the solution is to take out another loan to cover...
Many South Africans are struggling to meet their monthly debt obligations because of various factors, including the ever-increasing standard of living. Sadly, some don’t even know that help is within...
Everyone would love to start their marriage on a clean slate. But we all have burdens from our past, and sometimes these burdens are financial. So what does it mean for your future if your new spouse is...
You notice most of your salary is going towards your debt repayments each month, you cannot afford to put money towards a savings account, you purchase your groceries with your credit card, and your credit...
So, you’ve reached the end of the debt counselling journey – a fantastic achievement. Like many who have been part of the programme, you are probably wondering what’s next and how your life is going...
You may be familiar with the term “debt counselling”, but perhaps you have questions around the process and specifically how long it takes to complete. While the general time frame is 60 months or...
If you’re struggling with managing your debt, you may be considering debt counselling or a debt consolidation loan as possible solutions to ease the financial strain. It is important to understand the...
To many South Africans the term “debt counselling” is seen as some sort of financial curse word. That if spoken, it swallows any hope you have of a healthy credit record. (Which is a complete myth!)...
On occasion, you may find that you come into a lump sum of money and are not sure what to do with it… There may be a few good and sensible places to put a lump sum of money, such as putting it towards...
Prior to 2015, if a consumer wanted to exit the debt counselling process , they would have to contact the respective Debt Counsellor and request cancellation, in which case a Form 17.4 (voluntary withdrawal...