Essential Reading
Below, you will find a list of our thought-provoking articles. All of these are intended to educate our clients to make better financial decisions.
Debt Review: “Rather Pass” or “Perfect Fit”
Debt Review may not be the “perfect fit” for everyone but can be THE solution for a person requiring financial relief or asset protection.
Debt-To-Income Ratio: The Lower the Better
A Debt-To-Income (DTI) Ratio is the financial metric that compares your monthly debt payments to your income amount before deductions. The lower your percentage reflects, the better your financial position.
Credit Agreements: Your Rights and Responsibilities
It is equally important to know what your CONSUMER RIGHTS and your RESPONSIBILITIES are concerning your credit agreements…
Budget & Discipline Your Way to Money Mastery
By adjusting your budget accordingly and implementing the required steadfast discipline along your financial way, you can ensure yourself money mastery success even when having to deal with some changes and disruptions during your journey.
Savvy Money Moves for 2024
The new year is a great opportunity to start fresh in life as well as getting your financial house in order. Making smart, savvy money moves (and decisions) early in your financial timeline is an important step to start ticking off your financial goals as well as...
5 Frugal Christmas Tips to Help Ensure Yourself a Janu-NO-Worry
The festive season is here, and you might feel the pressure to splurge on jolly goodies and once-in-a-lifetime deals. However, it’s time to embrace a money-mindful approach by saying 'NO' to festive FOMO and ‘YES’ to invaluable experiences so that you pave the way for...
Five (5) Money-Mindful Tips for a Financially Responsible Black November
Don’t set yourself up for an indebted 2024 by overspending and overstretching your pocket this shopping season. You can be financially mindful this #BlackNovember by avoiding impulse spending and being fully aware of your financial position – focusing your attention on your budget and ‘real needs’ instead of those unnecessary ‘wants’…
Credit Cards Unveiled: The ‘Basics’, The ‘Good’ & The ‘Be Careful’
CreditSmart's Deep Information Dive “Sixty-one percent (61%) of our 2023 ‘Financial Savvy’ survey respondents said they use their credit cards every month and lay awake stressed about their financial situations. A lower, 39%, confirmed they do not have a credit card...
Why Grocery Prices Keep Affecting South African Consumers’ Pockets
“Picture this: you walk into the grocery store, expecting to find some relief from rising grocery prices since inflation is purportedly decreasing, only to be met with the same or even higher price tags. It’s frustrating and bewildering, leaving you questioning why...
Get out of Debt, the #CreditSmart way!
Our solution can restore your credit profile and get you out of debt:
- Improved Monthly Cash Flow
- Remove Debt, Anxiety & Financial stress.
- Get rid of Creditor harassment calls & threats.
- Not keeping up with payments. / In arrears with your accounts already.
CreditSmart is here to help you take back control of your financial situation through various products and services specifically designed to address each phase of the credit to debt life cycle.