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Author page: debtline

What Is The Debt Trap & How Do I Avoid It?
What Is The Debt Trap & How Do I Avoid It?

If you’re struggling with debt, you are one of many South Africans stuck in the money-trap. This year, consumer debt is at a whopping R1.7 trillion. This is only a little less than the debt of the government, which is currently over R2 trillion.  This shows that debt is a major problem in the country and it is necessary for…

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Tips for Festive Shopping on a Budget
Tips for Festive Shopping on a Budget

Did you know? The number of individuals in debt increases by nearly 25% in January and February compared to the rest of the year. This is because many are spending their hard-earned cash from the year on festive and holiday shopping. Buying for and giving gifts to loved ones provides festive cheer and warm-hearted feeling, but it can be expensive…

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Avoid the Pitfalls of Black Friday Savings
Avoid the Pitfalls of Black Friday Savings

We all know Black Friday and the ‘savings’ we see. Shop windows shout MASSIVE SALES and our inbox is filled with mails of discounts and massive percentages off prices. It’s exciting to see our favourite products selling at cheaper prices. But if you aren’t careful, the ‘savings’ can become unnecessarily expensive. The best advice we can offer is to avoid…

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How to Make The Most of Your Year-End Bonus
How to Make The Most of Your Year-End Bonus

The end of the year is coming up quickly, with less than two months left in 2019. The month of November brings with it several things, such as the hard stretch of work before the Christmas holidays and the exciting year-end bonuses! It might be tempting to take your end-of-year bonus and spoil yourself with that new phone you’ve been…

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Tips for Saving on Your Electrical Bill
Tips for Saving on Your Electrical Bill

Eskom might be forcing us to cut down on our electricity usage with power outages and load shedding, but it doesn’t mean we’ll be enjoying the benefits of cheaper monthly bills. Cutting down on electricity can be easy if you can put small, simple things in place to make a big difference. And, incredibly, saving a little on electricity every…

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Top Tips to Make Your Money Go Further
Top Tips to Make Your Money Go Further

Staying within your budget can be tough when there are countless payments to make every month as well as trying to stay on top of your every days needs. Adding small changes to your money-habits can have big impacts at the end of the month, helping your budget and money last longer for the next month. 1.Consider Your Monthly Bills…

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What You Need to Know About Debt and Financial Worries
What You Need to Know About Debt and Financial Worries

Debt is a surprisingly common problem that many South Africans face in their lives. Over ten million individuals in the country have to carry the financial weight of owing money in some way or form.  While there is good debt, where your overall financial standing will be improved, unfortunately, the more common cases are ‘bad debt’ which will ultimately cost…

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How Debt Affects Workflow and Productivity
How Debt Affects Workflow and Productivity

If you’ve ever been run down, sick or burnt out while maintaining work in your 9-5 job, you might know how difficult it is to get through your workload during the day. Taking a day off is sometimes necessary to make sure you can get better quickly to get back to the daily runnings in the office. When you’re feeling…

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Representative Example
Loan Repayments are full of variables and things such as rates and once-off initiation fees. These vary depending on your individual credit profile. The terms of the repayment period can range anywhere from three months to a maximum of 6 years, with varying Interest rates from creditor to creditor up to a maximum of 28% per annum (compounded monthly).

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