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    5 Credit Score Factors You Need to Know

    credit score factors

    The average South African borrower has a credit score of 618, which is considered “high risk”. Many people have little to no knowledge about how their actions affect their credit score, and what it means for their future. Having a low credit score can lead to many difficulties in the future such as applying for […]

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    How to Find the Best Investments in 2018

    How to Find the Best Investments in 2018

    Are you looking for new ways to invest in 2018? Or maybe you’re completely new to investing. Almost 53% of South Africans have less than R250,000 waiting for them upon retirement. And 35% have less than R10,000. Don’t be a statistic. Do your research and hop into the investment game to ensure you’ll always have extra spending […]

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    5 Ingenious Ways to Raise Your Credit Score

    5 Ingenious Ways to Raise Your FICO Score

    Is a low credit score holding you back from getting approved for a loan? Do you dream of becoming a homeowner, but need to improve your Credit score? We’ve got you covered! Follow along for 5 ways you can increase your chances of approval once and for all. Low Utilization Makes a High Credit Score […]

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    10 Essential Financial Advice for Young Adults

    10 Essential Financial Advice for Young Adults

    About 25 million South Africans are in some kind of debt. That’s 25 million out of 37 million citizens. Being a young adult in this kind of economy seems daunting, but it doesn’t have to be. Many people don’t know anything about their personal finances. This comes as no surprise. Public education places a huge emphasis […]

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    How to Find a Short Term Loan Online for Your Business

    How to Find a Short Term Loan Online for Your Business

    In 2017, the average loan given to businesses in South Africa was R63,000. However, based on the lender and the type of loan sought, the amounts ranged from R13,000 to R120,000. While seeking loans in a traditional manner (such as through a bank) is a smart option for business owners, sometimes, it isn’t always the […]

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    Understanding Your Credit Score

    Understanding Your Credit Score

    Each of us has a credit score. A credit score is a way in which the bank rates individuals as potential borrowers of money. Your credit score reflects on your history with regards to being able to pay back money borrowed. To help determine this score, the credit rating industry takes into account the number […]

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    Short Term Loans Your Business Needs to Know About

    Short Term Loans Your Business Needs to Know About

    Given that the number one reason over 60% of businesses fail is that they run out of cash flow, it’s essential to manage your money wisely. Companies that fall on hard times financially might just need a quick cash infusion to keep moving. With the help of short term loans, many businesses are spared an untimely death. […]

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    Need Cash Now? Tips for Fast Loan Approval

    Need Cash Now? Tips for Fast Loan Approval

    A recent study found that there are over 23 million active credit consumers in South Africa. For most people having a credit card is something they view as a priority. However, there may come a time when the balance on your credit card is not high enough to make a purchase or pay a bill. When faced […]

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    Short Term Loan Approval Made Easy: What You Need to Know

    Short Term Loan Approval Made Easy: What You Need to Know

    With finances in South Africa in such a complicated state, 16 million loans might be eligible for debt intervention this year. While this will certainly be a relief to the many families struggling to pay them back, it doesn’t bode well for people looking for a loan. People looking for short-term loan approval might find that lenders […]

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    Guide: How to Avoid Overspending

    Guide: How to Avoid Overspending

    In 2017, South Africans only saved .2% of their income. Believe it or not, that number actually represented a positive increase over what the savings ratio had been in the past. The truth is saving money is a skill that often goes untaught. If you’re a citizen of South Africa and are looking for a primer […]

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    How to Choose the Perfect Small Loan for Your Needs

    How to Choose the Perfect Small Loan for Your Needs

    Are you looking for business funding in South Africa? There are hundreds of options available to you. With more and more South African businesses borrowing money, lenders are rising to meet the demand. The variety of financial help out there can make it difficult to know what’s right for you. We can help you make your decision. […]

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    Why Everyone Needs a Smart Spending Plan

    Why Everyone Needs a Smart Spending Plan

    In South Africa, over 80% of people over 18 years old borrow money every single year. That shows just how hard it is to live sustainably within your means for most of the population. Without a smart spending plan, you could end up in a dangerous cycle of debt. If you end up with bad credit at […]

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    7 Key Tips for Becoming Debt-Free

    7 Key Tips for Becoming Debt-Free

    With nearly 48% of South Africans living with debt impaired records, it’s important to watch your spending if you don’t want to be part of this statistic. The growing number of people who end up with debt is frightening, but it’s become a fact of life for many. Even when you’re drowning in debt, becoming debt-free is […]

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    Everything You Need to Know About Short Term Loans

    Everything You Need to Know About Short Term Loans

    Your car breaks down. Your roof needs emergency repairs. You’re between jobs. These are just a few of the reasons why South Africans seek financial aid from short term loans, every single day. If you’re one of the thousands of South Africans without adequate savings that need to deal with an unplanned expense, you may be interested […]

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    Top 10 Essential Questions to Ask Your Loan Company

    Top 10 Essential Questions to Ask Your Loan Company

    It’s a difficult thing to swallow: you’re in a jam, and it’s time to take out a loan. Maybe you just need a little bit of money to make ends meet this month. Maybe you’re financing a major investment – like a car or a home – or, looking for funding to start your business. […]

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    10 Budgeting Techniques to Help Keep You in the Green

    10 Budgeting Techniques to Help Keep You in the Green

    You have big expenses coming soon. You need a bigger home, a car or maybe you’re going back to college. What’s your best option? Borrow all the money? What you need is a budget along with some budgeting techniques to help guide you. How much is going in, how much is going out and how […]

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    What Benefits Come with Taking out an Online Loan?

    86% of South Africans turned to loans in 2016 to help get through difficult times in their lives. Whether it’s emergency auto repairs, unexpected medical expenses or an extra boost between paychecks, loans serve the community by giving people access to money when they need, fast. It used to be that in order to get […]

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    10 Simple Tips to Get a Cash Advance with Bad Credit

    10 Simple Tips to Get a Cash Advance with Bad Credit

    What if you could get the money advance you need despite your credit? For those suffering from bad credit, this sounds too good to be true. However, it’s entirely possible to get the cash advance you need even if you suffer from poor credit. Keep reading to learn ten simple tips to getting the money […]

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    15 Smart Ways to Pay Rent When You’re Broke

    Calendar mark with Pay rent

    Sometimes, making ends meet financially is about making a few sacrifices. Luckily, you can do better about your money management by thinking outside the box. This goes for everything from having enough money for groceries to going out every once in a while, or more importantly, to paying rent! Rent is most people’s biggest expense, […]

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    Top 10 Financial Mistakes Millennials Make

    The figures do not balance

    Millennials live in an interesting time. They’re bombarded with student loan debt, competitive job markets, and a plethora of bills. Yet, they insist on splurging. Whether it’s coffee, fancy cocktails or expensive meals, millennials blow money — even in the face of debt and low wages. These people are also accustomed to consumerism. They spent […]

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    10 Genius Ways to Make Extra Money for Your Next Holiday

    Earn Extra Cash

    What’s the point of going on vacation if you can’t afford to leave the hotel? Every vacation needs spending money for fun excursions and going out to explore. Do you have yours? Maybe you’ve saved some money but don’t have quite enough do everything on your list. Rest assured, you’ll have enough by the time […]

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    Boost Your Income and Pay Your Bills with These 10 Weekend Jobs

    Newspaper with ads weekend jobs vacancy. Occupation concept.

    Bills are not easy for everyone to manage – especially when it feels like your expenses keep piling up. You may even be at a point where your debt is larger than your income. This is an extremely stressful situation to find yourself in, and unfortunately, more and more people experience such a challenge. Luckily, […]

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    10 Easy Steps to Pay Off Your Cash Loans Fast

    Earn Extra Cash

    According to statistics, South Africans are the “biggest borrowers” in the entire world. Unfortunately, millions of people around this country rely on credit, loans and other sources of debt just to survive. This can lead to bills being unpaid, the need for taking on more debt, and more of a financial burden. However, with a few tips […]

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    7 Quick Ways to Borrow Money in Case of an Emergency

    people sign contract to borrow money from investor to invest at own business

    Bad news! You’re suddenly faced with an R5000 car repair bill. You don’t have the money to pay to have it repaired. But you will after you get paid. The problem is that in order to get paid you have to keep going to work. How are you going to get to work without your […]

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    The 7 Best Investments for Young Adults

    While the majority of baby boomers and Gen X-ers plan to rely on their pension funds to retire, 66% of millennials plan to rely on savings. Having seen worldwide stocks tumble, the housing market crash, and the tech bubble burst, millennials need their investments to be safe and secure. Finding the best investment options that […]

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    7 Popular Online Jobs in SA

    Online Jobs

    South Africa has always been considered a developing country by the global community. Presently we seem to be advancing at a faster pace, however, towards modern conveniences and technological prowess. Even South Africa’s older generations are catching on to the endless advantages of connection, embracing smartphones, computers, apps, social media and online payment facilities. The […]

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    Everyone should be an Entrepreneur

    Entrepreneurs

    Great entrepreneurs and business owners agree – it’s definitely a lifestyle, not a job. The risks of owning an enterprise are far outweighed by the fulfilling rewards which come rolling in when it works out. There is tremendous satisfaction seeing a personal brain-child develop towards its full potential. Warren Buffett, Richard Branson, Mark Zuckerberg, Steve […]

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    7 Money Tips for Young Adults

    7 Saving Tips for Young Adults

    Young and in love, the infatuated couple floats past the rest of us, lost in each other’s eyes. Sound like someone you know? It is not all that unusual for young lovers to get married early, despite general consensus to the contrary in this new millennium. New to the adult world, they are only just […]

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    10 Tips to Improve Your Financial Health

    10 Tips to Improve Your Financial Health

    For many of us, physical, mental and spiritual health are on the top of the priority list in today’s balance-seeking culture. But what about our financial health? Our finances, like anything else, are a product of our personality, history, family ties, spending habits, talents, mistakes and beliefs. How much time, then, do we spend looking […]

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    6 Reasons Why You’d Be Smart to Consider Online Loans

    6 Reasons Why You'd Be Smart to Consider Online Loans

    In the past, applying for a loan required a trip to a local financial institution. But, in today’s highly-connected world, you can now apply for a loan in the comfort of your own home. Does a recent situation have you in a financial bind? Do you need money quickly to pay a past due bill? […]

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    7 Surprising Benefits of Instant Payday Loans

    7 Surprising Benefits of Instant Payday Loans

    Financial emergencies tend to happen when you are least prepared for them. Whether it’s a hospital bill or a car repair, the bills don’t wait till you are financially stable. Luckily, you are not without options. Instant payday loans exist to help people out in these circumstances. They’re designed to be smaller, short-term loans that […]

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    How to Find the Best Short Term Loans for You

    How to Find the Best Short Term Loans for You

    There comes a time when we all need a little extra cash to get over a bump in the road. This may be in the form of a medical emergency, a layoff, car troubles or an unexpected bill. Whatever your reasons for needing extra cash right away, there are options for you. One is to […]

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    7 of the Biggest Benefits of Quick Loans

    7 of the Biggest Benefits of Quick Loans

    Unfortunately, we can’t always predict an emergency situation. We never know when we’re going to find ourselves in need of some fast cash. Whether you’re an entrepreneur, a student, or simply someone behind on a few bills- we get it. When you need cash before payday, your debts can be quite the burden. Luckily, quick […]

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    5 Ways to Save Money When You Travel

    How to save money while travelling

    Travel junkies from around the world tell stories that make us want to go places, leaving immediately. Whether it’s to a tropical beach, a ski resort, a jungle in the middle of nowhere or a great picnic spot an hour from home, the list of viable options seems to lengthen as we discover even more […]

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    6 Facts About Interest Rates (Be Interest Rate Savvy)

    Interest Rates in South Africa

    What is an interest rate and why does it matter? Who decided what the rate will be? What are the types of interest? How is the interest rate regulated and monitored? Here are six facts about interest rates to make you a more savvy financial citizen. What is interest? Interest is the money earned on […]

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    10 Ways Intentional Saving Opens Doors

    Intentional Saving

    It’s the beginning of a new month again. Payday was already a week ago and the wallet is emptying fast. All those debit orders, account payments to settle, expenses to cover and one emergency trip to the ER, with an inconsolable toddler, have taken its toll on your financial position. In fact, the short-term loan […]

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    10 Tips For Building a Budget

    top10 tips for building a budget

    Gone are the days when our grandparents used to budget in a literal sense; with large brown envelopes, permanent markers and paper clips. Carefully labelling the envelope with the relevant category and planned expenditure, say groceries of R500 per week, they would slip the budgeted cash amount into the envelope at the beginning of each […]

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    Local Is Lekker

    local is lekker

    I do not know if it is in the blood, or in the African landscape with its vast open sky and breathtaking sunsets, but love for this country shines bright and true in the hearts of its people. Tourists fall in love with it in a matter of days. Wayward returnees repeat fascinating travel experiences […]

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    There’s an App For That

    There's an app for that

    Those of us in our 20s and 30s know what it feels like to barely be able to afford the basics, and it seems like previous generations had it easy. We often see articles like ‘Millennials and their Money’ loom over our head, along with the scorn of our parents. However, we are not using […]

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    9 Money Rules from Harold Pollack

    Money Rules

    A few years ago, a social scientist from the University of Chicago made grand headlines with his simple formula for success in personal finance. He had written down 9 money rules on a standard library index card, taken a picture and posted it on online. The photo went viral and the rest is history. Pollack’s […]

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    Financial Literacy – How well do you understand finance?

    Financial Literacy

    Would you describe yourself as financially literate? Not so much in terms of having an aptitude for mathematics, or being able to do complex financial calculations off the top of your head. Financial literacy generally refers to the ability to effectively manage the financial resources available to you in your lifetime. In other words, do […]