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  • Becoming Financially Independent
    Becoming Financially Independent Financial independence is the state of having a sufficient inflow of money to cover your living expenses without actively doing anything to have such funds flow to you. It goes without saying that a lot of work, planning and well execution is required to reach financial independence. Many individuals never…
  • Personal Savings
    Personal Savings The importance of saving cannot be over-emphasized. We live in a consumption-driven world, where the theme of the day is often to spend as much as much you as you can. The idea of "saving" is often regarded as "out of fashion", outdated or even an old methodology. Saving sometimes…
  • Residential Property – Rent or Buy?
    Residential Property – Rent or Buy? Financial gurus will tell you how buying a house is such a great investment. Very often, you will also be told how to select the best location to secure the best returns, how the value of your house will increase over the years and how you may walk away with…
  • The Importance of your Personal Finances
    The Importance of your Personal Finances Managing your personal finances can be a daunting task. It is even worse when you have no clue what to do or where to begin. It, therefore, comes as no surprise that many South Africans are struggling to manage their finances. An average South African consumer does not have enough…
  • Acknowledgements
    Acknowledgements The publication of this online magazine wouldn’t have been accomplished without the help of many people that assisted us along the way to ensure that this, far-fetched dream, as it initially seemed, became a reality. There is an African proverb that says, “It takes a village to raise a child”.…

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Debt Free Zone

  • National Credit Act - Your rights
    National Credit Act - Your rights The National Credit Act was introduced by the South African government in 2007 to promote and advance the social and economic welfare of South Africans, to promote a fair, transparent, competitive, sustainable, responsible and accessible credit industry as well as to protect all credit-active consumers. (National Credit Act, 34 of…
  • Debt Review: All you need to know
    Debt Review: All you need to know The debt review industry is one where many consumer’s sounds South Africa still look at with doubtful eyes. Scandals and scams of people claiming to be registered debt counsellors have all been too common in recent times. Most consumer’s still don’t have a full understanding of what it means to…
  • Good vs Bad Debt
    Good vs Bad Debt Is there such a thing as good debt? What makes debt good and what makes it bad? In very rare and exceptional cases, there have been cases where debt has proven to be more beneficial than detrimental. This, however, is hardly the case when it comes to personal finances. Financial…
  • Reckless Lending
    Reckless Lending Are you a possibly a victim of reckless lending? How do you know if you have been granted credit recklessly? What can you do if you have been given credit recklessly? Not many South African consumers understand what reckless lending is, how to identify it and what to do when…
  • Consolidations Loans
    Consolidations Loans More and more South Africans are considering consolidating their debts into one affordable debt with an easier repayment plan. The credit market has taken notice of this and subsequently started marketing consolidation loans to South African consumers, where one essentially borrows from a certain creditor to pay off other creditors.…