Money’s too tight to mention

Far too many South Africans live beyond their means, racking up debt to support a lifestyle that they simply can’t afford and getting trapped in a cycle of debt. Money’s too tight to mention  Mahap Msiza Tue, 07 Jun 2005 This article is a printout from iafrica.com Copyright © 2000 iafrica.com*, a division of Metropolis*… Continue Reading

Don’t get caught short

We may need to become more realistic about our spending so that we’re not caught short with expenses that exceed our income. Here are some tips… Don’t get caught short Staff Reporter This article is a printout from iafrica.com Copyright © 2000 iafrica.com*, a division of Metropolis* Wed, 07 Dec 2005 With the rapid drop… Continue Reading

Know your status

There are two main consumer bureaus in South Africa and between them they know just about everything there is to know about your credit activities. But what do these listings actually mean for you? Know your status Source: Iona Minton This article is a printout from iafrica.com Copyright © 2000 iafrica.com*, a division of Metropolis* Thu,… Continue Reading

Lessons from our parents

Today, easy access to credit enables many people to live better lifestyles, but it comes at a price — the risk of poverty in the future. As with all things, you need to learn to strike a balance, or better still, tip the scales in your favour by living beneath your means. Lessons from our… Continue Reading

Should you refinance your home?

Homeowners have seen the value of their homes double or even triple in the past five years, and the good news is, there’s just been another rate cut, this time of 50 basis points. So not only do you benefit from reduced repayments, but the capital value of your home has skyrocketed. Increases in property… Continue Reading

Think before you borrow

While interest charges on loans are a fact of life, there are ways to manage them better. Before taking out a home, car, or personal loan, question whether you actually need it. Make sure you have exhausted all other options, and the reasons for taking on the debt are sound. Think before you borrow Iona Minton… Continue Reading

Consolidating credit

Major retail banks are offering to consolidate your debt, claiming that you’ll end up paying a smaller total every month. Is it really that easy? Old Mutual Bank product manager Ben Stander answers some commonly asked questions about debt consolidation. Consolidating credit  Stephen Forbes Thu, 13 Oct 2005 This article is a printout from iafrica.com… Continue Reading

Avoiding Credit Card Debt

Learn how to use credit cards wisely so that you don’t get buried in credit card debt. Avoiding Credit Card Debt Copyright 2005 Nolo Learn how to use credit cards wisely so that you don’t get buried in credit card debt. Credit cards can be a great thing — they’re convenient, can help build good… Continue Reading

Avoiding Credit Card Debt

Learn how to use credit cards wisely so that you don’t get buried in credit card debt. Avoiding Credit Card Debt Copyright 2005 Nolo Learn how to use credit cards wisely so that you don’t get buried in credit card debt. Credit cards can be a great thing — they’re convenient, can help build good… Continue Reading

Debt Counselling

Certain provisions of the National Credit Act No. 34 of 2005 deal with over-indebtedness and restructuring of debt. DEBT RELIEF Back to Contents Apply to a debt counsellor for help Certain provisions of the National Credit Act No. 34 of 2005 deal with over-indebtedness and restructuring of debt. The Act makes provision for the registration… Continue Reading

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