Debt articles
Should you consider a mortgage bond switch?
When switching your bond, the transactional costs will depend on the value of your loan. You will also need to consider the cost of an attorney to re-register the bond.
Which gender best manages their debt?
Since the start of the pandemic, many South Africans have struggled to keep up with their debt obligations. We find out which gender has done a better job of managing their debt since Covid arrived.
What does it mean to be blacklisted?
The term “blacklisted” is an outdated concept that was used to refer to borrowers whose access to credit was blocked owing to a poor credit report.
How to cope with loan and debt defaults
South Africans are experiencing a debt crisis. We find out how you can cope with loan and debt defaults, and how you can get your finances back on track.
How to set up a debt-exit plan
If you know that you’re struggling to keep up with your debt repayments, it would be beneficial to set up a plan specifically to be done with your debt. This can help you gain control of your finances again.
Which debts should you really pay off first?
There are different schools of thought when it comes to which debts you should pay off first. We examine two approaches.
A step-by-step guide on how to manage debt
We have a look at the steps you can take to regain control of your debt, and we consider how you can stay motivated while working through the process.
Can you get a loan while under debt counselling?
Debt counselling will inevitably have a positive impact on your finances, which may tempt you to acquire further credit. We consider whether this is feasible.
What happens to your debt when you die?
What happens to our debt when we die? We consider different scenarios, and the role of financial planning in creating a debt-free legacy.
9 Practical ways to reduce debt
We investigate nine practical ways to reduce your debt and keep future debt to a minimum.
Should you refinance your home?
In this article, we explore the reasons you may consider refinancing your home - whether renovating, planning for your child’s education, or consolidating debt
How to avoid having your car repossessed
Breaching the terms of a vehicle loan agreement can lead to car repossession. We provide some tips to avoid this costly and distressing legal scenario.