5 Excuses we make for not ‘Budgeting’

You may have heard ‘Ignorance is bliss’. In some cases this may be true but when it comes to money it is the root of financial pressure and many ruined relationships. After a decade of financial education workshops, here are some of the most inexperienced

Crash proof your plans

A question we often get in workshops is: ‘What do we do when life happens?’ In other words what must we do when we have unexpected expenses? The answer: Expect them. We don’t mean to sound negative but drama happens. You may have reversed into

What to do if you have a garnishee

Definition: Garnishee A garnishee order is a court order requiring an employer to withhold part of their employee’s salary and pay the amount directly to that employee’s creditor for a debt which is due. This method ensures the employee makes some payments towards a debt

Debit order disaster looms

After the festive season, which usually comprises of gift-giving, holidaying and unusually high spending, South African consumers reach the end of January in a predicament of owing lump sums of money, which they cannot afford to repay. This is exacerbated by the cost of school

Deceased estates

An inheritable estate refers to the total of your assets less all liabilities. Freedom of testation allows you to nominate the heirs to your estate in the unfortunate event of your passing. Unfortunately many of us fail to draw up a valid will, leaving our

Your Will: Words for the wise

Your will has been drawn up, witnessed and safely filed with your executor or financial planner. Signed, sealed and delivered. Or maybe not. As is the case with most legal documents, the language you use when you draft a will can have a significant effect

A lifeline if you are drowning in debt

You don’t take calls from unknown numbers because it might be the bank or an angry creditor. Your credit cards are always maxed out and your salary never makes it to the end of the month. If this sounds familiar then you are more than

Preventative steps to reduce over-indebtedness

In South Africa, the extremely high levels of debt and over-indebtedness are worsening at a worrying rate. As evident in The FinScope 2013 South African Survey results, the number of South African consumers with unsecured loans has doubled in the last year alone and more

Arrested and your rights

Whether it happens to you, your partner, a family member or friend, arrest is scary. It’s vitally important that you know what to do, and, more importantly, what not to do when you have been arrested. After you are arrested there are seven things you