FindBetter

  Nobody starts the new year hoping to fall behind financially. But sometimes (especially after a long Dezemba), it happens anyway. One unexpected bill leads to another. Then a debit order bounces. You miss a payment, and the bank starts calling. If this sounds familiar, you’re not alone - and no, it doesn’t have to stay this way. SA debt counsellors can help you take the first step to freedom from crippling debt. Don’t be afraid to reach out Debt is not something to be ashamed of, because for many South Africans, it’s not irresponsibility or financial recklessness that gets them here. Months or years of rising expenses can cause debt to build slowly. The cost of living keeps rising, but your income hasn’t. You're trying to stretch every rand, but it’s not enough. One day, you realise that debt is now dictating your whole life. If you’re too tired or embarrassed to speak with friends and family about your financial woes, what you need is a professional ear that doesn’t judge. SA de...

  Debt Review and Career: Boost Your Financial Health If you entered debt review in South Africa, you might worry about how employers see it — and understandably so. This process used to carry a stigma in the past, so some employers misunderstood what it meant.   But things have changed, and there’s no more shame in getting help when it comes to managing personal finances. In fact, debt review has become one of the most common ways by which South Africans take control of their finances. And no —being in the program does not have to hold back your career.   How debt review has changed over time   Debt counselling was introduced under the National Credit Act in 2007 to support people overwhelmed by debt. Since then, it has helped change how employers view financially stressed workers , encouraging a more understanding and supportive approach.   Before the debt counselling framework existed, employers often viewed debt as a major warning sign. Now...

  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...

  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...