Articles by Isabelle Coetzee
These factors will fluctuate your car insurance excess
When you take out car insurance, your monthly premium is a given. However, you may also need to pay an excess amount if you claim from your policy. But which factors may increase your excess, and how can you bring it down?
This is why you should ask your medical scheme for an annual claims statement
Even with a strict budget, a lot can happen in a year and you may lose track of your medical expenses, especially the costs that you cover out-of-pocket. It’s important to regularly assess your medical aid or hospital plan contribution.
Benefits of getting your first credit card
We outline some of the benefits of having your own credit card, and what to consider when choosing a card.
7 Ways to repair your credit score if you are subject to reckless lending
If your creditor does not follow the proper protocols when offering you credit, they may be guilty of reckless lending. As a result, your credit record may suffer a blow. If this happens to you, how can you address it?
Should you run your personal expenses through your business?
When you're the owner of a small business, your own finances are so strongly tied to your venture that the line between personal and business expenses may become blurred. However, this can land you in some trouble when it comes to taxes.
4 Examples of good debt to help build your credit score
Taking out credit can cost you monthly instalments for many years, along with large interest payments and credit life cover, the latter in case you default. But as demotivating as debt may seem, there are actually good reasons to consider pursuing credit.
Can you cancel your credit life cover?
When you take out a credit agreement, it often includes credit life cover to settle your outstanding debt in dire circumstance. Cover conditions include, for example, retrenchment or the onset of disability. But this cover does come at a cost, s...
Could retirement savings be used as collateral for loans?
If you’re saving for retirement, your monthly contributions will slowly grow into a noteworthy asset. But did you know that you can use this as collateral when you take out a home loan? This has been possible for some time. However, it ma...
Struggling to find a gift for your loved one? Help them with their debt
The holiday season is around the corner, but rather than being excited about the festivities that lie ahead, you may be fretting about what to get your loved ones.
What are the dangers of taking out a “Christmas loan”?
As you worked out the budget for the gifts you plan to buy your loved ones this Christmas, you may have realised that what you want to give them is outside your means. To make your budget work, you may have considered a payday loan, or a “...
New Year resolutions to help keep you away from bad debt
With the new year around the corner, you may be resolved to get your finances in order, and to spend the next year growing your net worth. So how would you go about doing this?
Is it wise to invest in industrial property?
You may already be aware that commercial property is a fair investment option – and sometimes even more profitable than private property. But did you know that focusing on industrial property could also offer you good returns?