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Shop Smart & Mindful This Black Friday & Cyber Monday

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  Black Friday and Cyber Monday have become a retail phenomenon in South Africa, promising big savings. But it also comes with a hidden cost: more debt. The lure of a 50% discount can be like a dangerous siren call, and if you're not careful, you might just deepen that financial hole you're in. On top of that, the sudden surge in Buy Now Pay Later services has further blurred the lines between spending cash and accumulating new debt.   If you are already seeking a debt solution in SA , your goal should not be just saving money - you also need to rebuild financial control, one decision at a time. So this year, treat the sales season as an opportunity to be mindful, smart, and financially conscious.   Use reputable e-retailer websites   The Consumer Protection Act in South Africa gives you solid rights, but these can be useless if you fall victim to a phishing scam or a fly-by-night business. When doing your online shopping, always verify that the website a...
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Top Financial Moves for SA Women to Make in 2025

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  Did you know that South African women are under more financial pressure than the broader population, as discovered by an OMSIM survey done this year? A staggering 43% of women feel considerably financially stressed, with the number jumping to 49% among single mothers. That’s far higher than the national average.   Despite these rising pressures, women continue to show determination and resourcefulness. Many are also turning to legal channels like debt review in South Africa to manage their debt and take back control of their finances. By restructuring their obligations and putting guardrails around future borrowing, women can improve their personal financial situation and regain a sense of stability.   All that said, behind this resilience lie even deeper challenges. Many SA women find it hard to achieve balance for various reasons, such as limited access to financial services combined with the often invisible weight of their responsibilities at home. Are you juggling w...
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Personal Loan Myths That Might Mislead You

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  When money is tight, many people turn to personal loans in South Africa  as a way to cover unexpected costs or manage debt. But it’s easy to get caught up in myths that can cloud your judgment because there’s just so much misinformation out there. Some of these misconceptions may even stop you from making sound financial decisions. So before you rule out or rush into a personal loan, it’s worth separating fact from fiction so you can make informed choices that suit your situation.   Myths about personal loans in South Africa What’s actually true Personal loans damage your credit score A temporary dip may happen during the credit check, but on-time payments actually improve your score over time. Your family will inherit your debt Debt isn’t passed down. The borrower’s estate is responsible—unless a family member co-signed or stood surety. Personal loans always come with high interest rates Interest rates vary. With a good credit score, you can qualify for affordable, fix...
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