Our relationship with money is like our fingerprints – unique. It is dependent on many factors and impacts our lives daily. For some, money matters can be confusing! For others, finances are the main source of stress in today’s tough economic times. Whatever your financial situation is, our financial coaches are available to provide independent financial counselling and recommendations on matters such as budgets, financial literacy, and credit restructuring.
Referral for debt counselling is also available. If you feel you are over-indebted, our financial coaches will assess your financial situation as well as discuss the advantages and disadvantages of debt counselling with you. If it is found that you are over-indebted and qualify for debt counselling, you will be referred into our network of debt counsellors who are accredited by the South African National Credit Regulator (NCR). The process involves restructuring your debt and distributing the available funds among your creditors.
Practical Steps to Consider when in Debt
Debt can feel overwhelming, but taking control of your finances and working towards being debt-free is both possible and empowering. By adopting the right strategies and staying committed, you can [...]
10 Practical tips for managing cash flow and debt
Cash flow and debt issues are not just a financial challenge but also an emotional and mental ordeal that can significantly impact individuals and families. The stress and anxiety accompanying [...]
Building Financial Resilience for the year ahead
January marks the beginning of a new year, a perfect time to prioritise both organisation and financial wellbeing. We are feeling the pinch of a toughening economy and the pressure [...]
Crafting a Smart Festive Budget to Beat January Blues
The festive season is a magical time filled with joy and togetherness. However, with shops and malls enticing us to spend, there's a risk of falling into a financial trap, [...]
Tips on Becoming Debt-Free
In today’s world where buying things on credit is common, it's essential to understand the real cost of debt. Debt can be expensive because you not only pay for what [...]
Do you have a Last Will and Testament?
Life is unpredictable, and none of us can foresee what lies ahead. One thing we can be certain of is that we will die, so it is best to prepare [...]
How to Spend Less and Save More
In today's challenging economic climate, managing our finances and making ends meet can be tough. With rising consumer prices and limited incomes, finding ways to spend less and save more [...]
Family Financial Wellbeing
Money can cause stress and strain within families, particularly when someone cannot contribute or when extended family members rely on your income. However, there are numerous ways in which a [...]
Improve your relationship with Money… here’s how
Did you know: your relationship with money could be the root of your money problems? You could be your own worst enemy. Our self-esteem, friends, upbringing by our parents, and [...]
Financial Stress
Financial stress can be a heavy burden to bear, and it almost always spills over into your relationships, emotional wellbeing and physical health. The most important thing is to do [...]
Setting the financial tone for 2023
Choose freedom When we’re sky-high in debt, we’re constantly panicking about everyday expenses, unexpected bills, and the future. In contrast, when we’re in control of our money and know how [...]
Cut festive spending without cutting the fun
It’s easy to get caught up in the frenzy of holiday shopping, especially with clever, sparkly retailers encouraging us to spend more. However, everyone knows that times are tough. How [...]