# JustMoney > JustMoney, in partnership with trusted service providers, helps you access the financial products you need. We have trained coaches and well-researched content to help you make the best financial decisions. ## Pages - [Home | JustMoney](https://www.justmoney.co.za/) - [404: Content not found | JustMoney](https://www.justmoney.co.za/404/) - [About Us | JustMoney](https://www.justmoney.co.za/about/): With a proven track record of more than 15 years, we offer FREE, quick, and easy access to financial products that are tailored to your needs. - [Terms and Conditions: MyMoney Saver | JustMoney](https://www.justmoney.co.za/app-terms-and-conditions/) - [Articles | JustMoney](https://www.justmoney.co.za/articles/): Read the latest news, articles, and in-depth insights from the JustMoney team. - [10 Facts about tax-free savings accounts | JustMoney](https://www.justmoney.co.za/articles/10-facts-about-tax-free-savings-accounts/): Unlock the Secrets: 10 Must-Know Facts About Tax-Free Savings Accounts! Dive into the details and supercharge your savings strategy today. - [10 Father’s day gifts on a budget ideas | JustMoney](https://www.justmoney.co.za/articles/10-father-s-day-gifts-on-a-budget-ideas/): Celebrate Father’s Day affordably with 10 creative gift ideas: DIY kits, personalised mugs, experience vouchers, homemade treats, and other thoughtful keepsakes. - [10 Financial New Year's resolutions | JustMoney](https://www.justmoney.co.za/articles/10-financial-new-years-resolutions/): Kickstart the year with 10 powerful resolutions: automate savings, track every expense, eliminate debt, diversify investments, build an emergency fund, and more. - [10 Foolish things you can do with your money | JustMoney](https://www.justmoney.co.za/articles/10-foolish-things-you-can-do-with-your-money/): 10-foolish-things-you-can-do-with-your-money - [10 Fundamental financial mistakes | JustMoney](https://www.justmoney.co.za/articles/10-fundamental-financial-mistakes/): Keeping track of your personal finances can be difficult, and sometimes small mistakes are costly. Here are 10 fundamental financial mistakes not to make. - [10 Habits of a good financial advisor | JustMoney](https://www.justmoney.co.za/articles/10-habits-of-a-good-financial-advisor/): Discover 10 habits of a good financial advisor, from transparent fees and fiduciary duty to smart goal-based planning, clear communication, and ongoing reviews. - [10 Investment questions you should ask | JustMoney](https://www.justmoney.co.za/articles/10-investment-questions-you-should-ask/): Many people are venturing into the world of investing in a bid to make extra cash. Here are 10 investment questions you must ask. - [10 Money tips for women | JustMoney](https://www.justmoney.co.za/articles/10-money-tips-for-women/): It's Women's Month so to celebrate JustMoney have put together our top 10 money tips that are specifically for women. - [10 Questions you should ask your debt counsellor | JustMoney](https://www.justmoney.co.za/articles/10-questions-you-should-ask-your-debt-counsellor/): Ask these 10 critical questions before undergoing debt counselling to ensure it aligns with your financial goals and offers the support you need. - [10 Reasons Your Loan Application Gets Declined | JustMoney](https://www.justmoney.co.za/articles/10-reasons-that-your-loan-application-may-be-declined/): Top 10 reasons why your loan application may be declined. JustMoney provides insights and tips to improve your chances. Learn how to qualify. - [10 savings tips for 2012 | JustMoney](https://www.justmoney.co.za/articles/10-savings-tips-for-2012/): The New Year is in full swing and, hopefully, you've made it to pay day unscathed. But what now? Here are 10 short term and long term savings tips for 2012. - [10 Things dads should do now to secure their family’s financial future | JustMoney](https://www.justmoney.co.za/articles/10-things-dads-should-do-now-to-secure-their-family-s-financial-future/): 10 things dads should do now to secure their family’s financial future: protect income, insure, budget, invest, plan education, and write a valid will Today. - [10 tips for buying a used car | JustMoney](https://www.justmoney.co.za/articles/10-tips-for-buying-a-used-car/): Buying a used car? Follow 10 essential tips on budgeting, inspections, service history, finance, and negotiation to avoid lemons and secure a fair, safe deal. - [10 Tips for understanding insurance better | JustMoney](https://www.justmoney.co.za/articles/10-tips-for-understanding-insurance-better/): Insurance can be confusing, we have 10 tips to help you understand it a little bit better. - [10 Ways to cut your insurance premium | JustMoney](https://www.justmoney.co.za/articles/10-ways-to-cut-your-insurance-premium/): 10-ways-to-cut-your-insurance-premiums - [10 Ways to give back this festive season | JustMoney](https://www.justmoney.co.za/articles/10-ways-to-give-back-this-festive-season/): Spread joy this festive season with 10 meaningful ways to give back. Discover impactful ideas to support your community and make a difference. - [10 Ways to reduce your bank fees | JustMoney](https://www.justmoney.co.za/articles/10-ways-to-reduce-your-bank-fees/): Discover practical strategies to minimize bank fees and save money. Take control of your finances with these helpful tips. - [10 Ways to spend your tax refund | JustMoney](https://www.justmoney.co.za/articles/10-ways-to-spend-your-tax-refund/): Its tax season, and one of the most compelling reasons to file a tax return is your tax refund. Here are the 10 best ways to spend your refund. - [10 Worthy Causes to Support on Mandela Day | JustMoney](https://www.justmoney.co.za/articles/10-worthy-causes-to-donate-to-and-help-on-mandela-day/): Mandela Day is today (18 July) - If you are still looking for a cause you can discover 10 worthy causes to donate to and help on Mandela Day. - [Momentum Scheme 11% Increase for 2017 | JustMoney](https://www.justmoney.co.za/articles/11-increase-for-momentum-medical-scheme-members-for-2017/): Momentum Medical Scheme announces an average 11% contribution increase for 2017. Understand the impact on benefits, budgets, co-payments, and plan choices. - [11 Maintenance Tips to Prevent Claim Rejections | JustMoney](https://www.justmoney.co.za/articles/11-maintenance-tips-to-help-prevent-insurance-repudiations/): A little bit of basic home maintenance can go a long way in ensuring there are no issues when you submit a claim… - [11 Tips for starting a small business | JustMoney | JustMoney](https://www.justmoney.co.za/articles/11-tips-for-starting-a-small-business/): Starting a small business can be daunting. Check out these 11 practical tips for entrepreneurs to help you navigate challenges and ensure your business thrives. - [11.9% increase for all Bonitas options | JustMoney](https://www.justmoney.co.za/articles/119-increase-for-all-bonitas-options/): Bonitas announces premium increases across all options for the new year. Learn how changes affect your contributions, benefits, co-payments, and budgeting. - [12 Government changes to help indebted consumers | JustMoney](https://www.justmoney.co.za/articles/12-government-changes-to-help-indebted-consumers/): 12 Government changes to help indebted consumers - [12 Money habits to make and break in your 30s | JustMoney](https://www.justmoney.co.za/articles/12-money-habits-to-make-and-break-in-your-30s/): JustMoney guides you through 12 key money habits to adopt or avoid in your 30s to secure your financial future. - [12 Tips to Stay Debt-Free This Festive Season | JustMoney](https://www.justmoney.co.za/articles/12-tips-for-staying-debt-free-over-the-festive-season/): Stay debt-free this festive season with 12 practical tips on gift budgets, saving, travel costs, cashback, and smart planning to avoid January money blues. - [13 Credit providers in trouble with tribunal | JustMoney](https://www.justmoney.co.za/articles/13-credit-providers-in-trouble-with-tribunal/): Consumer Tribunal charges 13 credit providers with reckless lending. Find out who's implicated, alleged offences, penalties and what it means for borrowers. - [14 Money questions to ask your partner | JustMoney](https://www.justmoney.co.za/articles/14-questions-about-money-to-ask-your-partner/): Money talks: 14 essential questions to ask your partner to get a better understanding of your financial compatibility and start your financial future. - [15 Realistic New Year’s resolutions that will save you money | JustMoney](https://www.justmoney.co.za/articles/15-realistic-new-year-s-resolutions-that-will-save-you-money/): 15-realistic-new-years-resolutions-that-will-save-you-money - [15 Reasons your insurance claims are rejected | JustMoney](https://www.justmoney.co.za/articles/15-reasons-your-insurance-claims-are-rejected/): 15-reasons-your-insurance-claims-are-rejected - [1Life's National Savings Month money saving tips | JustMoney](https://www.justmoney.co.za/articles/1lifes-national-savings-month-money-saving-tips/): Take the 1Life Money Survey and stand a chance to win R1000. Share your thoughts and insights to help shape better financial services for South Africans. - [1st for Women: Financial Independence Survey | JustMoney](https://www.justmoney.co.za/articles/1st-for-women-surveys-financial-independence-in-abuse-survivors/): 1st for Women survey explores financial independence among abuse survivors, revealing barriers, support gaps, and steps to rebuild safety, stability, control. - [Two financial planning mistakes that women make | JustMoney](https://www.justmoney.co.za/articles/2-financial-planning-mistakes-that-women-make/): Women often make key financial planning mistakes. Discover the two most common errors and how to avoid them to ensure long-term financial security. - [2 out of 3 cut back this Christmas | JustMoney](https://www.justmoney.co.za/articles/2-out-of-3-cut-back-this-christmas/): Two-thirds plan to cut back this Christmas. See what South Africans are trimming, why budgets are tighter, and smart ways to save without losing the spirit. - [The 22seven app: Worth a try? | JustMoney](https://www.justmoney.co.za/articles/22seven-worth-a-try/): Money management apps: 22seven. Find if this personal finance app is worth a try and how it can help you save money and achieve your financial goals. - [25% Risk Bankruptcy by Skipping Repayments | JustMoney](https://www.justmoney.co.za/articles/25-of-debtors-risk-bankruptcy-by-skipping-repayments/): Skipping repayments could push 1 in 4 South African debtors toward bankruptcy. Discover why payment holidays snowball—and how to stay solvent in tough times - [26,459 invest R2.8bn in retail bonds | JustMoney](https://www.justmoney.co.za/articles/26-459-invest-r28bn-in-retail-bonds/): A record 26 459 South Africans have channelled over R28 billion into RSA Retail Bonds. See the top rates, who’s buying, and why fixed-rate savings are back. - [3 Budget Changes to Bring a Smile to Your Face | JustMoney](https://www.justmoney.co.za/articles/3-changes-from-the-budget-that-will-make-you-smile/): When Finance Minister Tito Mboweni delivered the 2020 budget speech on Wednesday, it was a welcome surprise that value-added tax wasn’t increased. - [Cancelling Contracts: Key Facts | Just Money | JustMoney](https://www.justmoney.co.za/articles/3-facts-to-consider-when-cancelling-your-contract/): Thinking of cancelling your gym or phone contract? Consider 3 important facts first. Learn to avoid potential financial pitfalls and protect your finances. - [3 Financial changes to expect after marriage | JustMoney](https://www.justmoney.co.za/articles/3-financial-changes-to-expect-after-marriage/): Getting married? Prepare for these 3 major financial changes to navigate joint finances, taxes, and more to build a strong financial future together. - [3 Retirement Planning Myths You Should Ignore | JustMoney](https://www.justmoney.co.za/articles/3-financial-planning-myths-about-retirement-debunked/): Don't fall for these 3 retirement planning myths. Learn the truth about retirement planning and how to make informed decisions about your financial future. - [3 Insurance mistakes, and how to avoid them | JustMoney](https://www.justmoney.co.za/articles/3-insurance-mistakes-and-how-to-avoid-them/): Protect your finances by avoiding these 3 common insurance mistakes. Learn how to choose the right coverage, avoid scams, and save money on premiums. - [ 3 smart strategies to tackle debt | JustMoney](https://www.justmoney.co.za/articles/3-smart-strategies-to-tackle-debt/) - [3 Top personal finance apps for you to try | JustMoney](https://www.justmoney.co.za/articles/3-top-personal-finance-apps-for-you-to-try/): These three personal finance apps simplify budgeting, track real-time expenses, automate savings goals, and build lasting discipline for stronger financial health. - [3 Vehicle Finance Options Compared in SA | JustMoney](https://www.justmoney.co.za/articles/3-vehicle-financing-options-compared-which-is-cheaper/): Choosing the right vehicle financing option is key to saving money. Compare these 3 options and discover which is the cheapest for you. - [3 Ways to check that a company is legitimate | JustMoney](https://www.justmoney.co.za/articles/3-ways-to-check-that-a-company-is-legitimate/): 3 Ways to check that a company is legitimate before you conduct business with them. - [Best ways to save for your child's education | JustMoney](https://www.justmoney.co.za/articles/3-ways-to-save-for-your-child-s-education/): Get ready for college funds today! Discover the best way to save for your children's tertiary education with these helpful tips by Just Money. - [Freelancers: 3 Ways to Save for Retirement | JustMoney](https://www.justmoney.co.za/articles/3-ways-to-save-for-your-retirement-as-a-freelancer/): 3 ways to save for retirement as a freelancer: automate, use tax-free and RA accounts, smooth irregular income, and build a safety buffer for lean months today. - [35c petrol drop on the cards | JustMoney](https://www.justmoney.co.za/articles/35c-petrol-drop-on-the-cards/): A 35c petrol price drop is on the cards. See what it means for your budget, timing and diesel/paraffin outlook, plus tips to save more at the pump this month. - [4 Africa Exchange to rival JSE | JustMoney](https://www.justmoney.co.za/articles/4-africa-exchange-to-rival-jse/): 4-africa-exchange-to-rival-jse - [4 Costs to consider before having a child | JustMoney](https://www.justmoney.co.za/articles/4-costs-to-consider-before-having-a-child/): Planning to start a family? Discover four major costs to consider before having a child, from healthcare to education, and learn how to budget effectively. - [4 Examples of Good Debt to Build Credit Score | JustMoney](https://www.justmoney.co.za/articles/4-examples-of-good-debt-to-help-build-your-credit-score/): looking to improve your credit score? Check out Just Money's guide on 4 examples of good debt that can help build your credit score. - [4 Financial Mistakes Young People Make and Avoid | JustMoney](https://www.justmoney.co.za/articles/4-financial-mistakes-young-people-make-and-how-to-avoid-them/): We asked 4 South African's about their top financial mistakes and how to avoid them. - [4 Steps to turn around your debt | JustMoney | JustMoney](https://www.justmoney.co.za/articles/4-steps-to-turn-around-your-debt/): Struggling with debt? JustMoney outlines 4 effective steps to regain control of your finances and reduce your debt burden. - [4 Things to Consider Before Getting a Pet | JustMoney](https://www.justmoney.co.za/articles/4-things-you-need-before-getting-a-pet-but-guess-what-people-always-forget/): Learn the 4 essential things you need before getting a pet, and discover what most people always forget. Prepare properly for a happy pet life. Get ready!! - [4 Ways women can empower themselves financially | JustMoney](https://www.justmoney.co.za/articles/4-ways-women-can-empower-themselves-financially/): Women face unique financial challenges, but these 4 ways to empower yourself financially can help you overcome them. Find out how today. - [40,000 checked bank account in UK on Christmas Day | JustMoney](https://www.justmoney.co.za/articles/40-000-checked-bank-account-in-uk-on-christmas-day/): More than 40 000 South Africans logged into their UK bank accounts on Christmas Day 2024, revealing festive financial anxiety. Find out what drove the spike. - [Everyone Needs a Financial Adviser | JustMoney](https://www.justmoney.co.za/articles/5-benefits-of-engaging-a-financial-adviser/): Financial advisers are more beneficial than commonly believed. We explore the benefits, and debunk some of the myths. - [5 Money-Saving Mistakes and How to Avoid Them | JustMoney](https://www.justmoney.co.za/articles/5-common-money-saving-mistakes-and-how-to-avoid-them/): 5 common money-saving mistakes—and how to avoid them: no budget, impulse buys, high fees, unfocused goals, weak buffers. Simple fixes that really stick today. - [5 Financial challenges facing SA’s youth | JustMoney](https://www.justmoney.co.za/articles/5-financial-challenges-facing-sa-s-youth/): South Africa’s youth face a range of challenges, from unemployment, living expenses political turmoil, and the persistence of racialised inequality. - [5 Financial Mistakes to Avoid When Buying a Home | JustMoney](https://www.justmoney.co.za/articles/5-financial-mistakes-to-avoid-before-buying-a-home/): Avoid these common financial mistakes before buying a home to ensure a smoother process and make informed decisions for a successful purchase. - [5 Highlights from the MTBPS | JustMoney](https://www.justmoney.co.za/articles/5-highlights-from-the-mtbps/): Discover five key highlights from the 2024 Medium-Term Budget Policy Statement: SOE stabilisation, tax proposals, budget plans, and social grant adjustments - [5 Online Courses to Boost Financial Literacy | JustMoney](https://www.justmoney.co.za/articles/5-online-courses-to-enhance-your-financial-literacy/): Enhance your financial literacy with these top online courses recommended by JustMoney. Improve your financial knowledge and skills now. - [Questions to ask about your investments | JustMoney](https://www.justmoney.co.za/articles/5-questions-to-ask-about-your-investments-performance/): Evaluate your investment performance by asking these 5 important questions. From returns to risk, gain a deeper understanding of your investment portfolio - [Choosing a Medical Scheme: 5 Questions | Just Money | JustMoney](https://www.justmoney.co.za/articles/5-questions-to-ask-when-choosing-a-medical-scheme/): Questions to ask about medical schemes to decide which medical aid plan will be best for you. We explain the best medical aid options available. - [5 Questions you should ask about investing | JustMoney](https://www.justmoney.co.za/articles/5-questions-you-should-ask-about-investing/): If you're thinking about investing, or you've just started the investment journey, you'll know that it's a challenging process. - [5 reasons the NHI amendments could be what is Needed | JustMoney](https://www.justmoney.co.za/articles/5-reasons-the-nhi-amendments-could-be-what-the-doctor-ordered/): Five reasons the NHI amendments could help: better access, pooled risk, simpler cover, cost control, and accountability—what it could mean for your wallet. - [restaurants where your child can roam and relax | JustMoney](https://www.justmoney.co.za/articles/5-restaurants-where-your-child-can-roam-and-you-can-relax/): Check out five restaurants where your kids can roam while you relax. Great food, child-friendly spaces, and peace of mind for South African families. - [5 Retirement mistakes to avoid | JustMoney](https://www.justmoney.co.za/articles/5-retirement-mistakes-to-avoid/): Want a comfortable retirement? Avoid these five costly mistakes—from neglecting healthcare savings to cashing out your pension early—and secure your future. - [5 Rules for financial freedom | JustMoney](https://www.justmoney.co.za/articles/5-rules-for-financial-freedom/): Learn 5 financial freedom rules: spend less than you earn, save for emergencies, invest, avoid debt and plan for retirement. Find out more now! - [5 Side-hustles to start this weekend | JustMoney](https://www.justmoney.co.za/articles/5-side-hustles-to-start-this-weekend/) - [5 Smart investment tips | JustMoney](https://www.justmoney.co.za/articles/5-smart-investment-tips/): Want to start investing but don't know how? JustMoney speaks to investment experts and brings you the top investing tips and tricks to get started with investing. - [Signs You Need Debt Counselling | Just Money | JustMoney](https://www.justmoney.co.za/articles/5-tell-tale-signs-that-you-need-debt-counselling/): Identify the signs indicating the need for debt counselling. Take proactive steps towards financial wellness and debt management. - [5 Tips for achieving financial security | JustMoney](https://www.justmoney.co.za/articles/5-tips-for-achieving-financial-security/): Achieve financial security with five expert tips—grow an emergency fund, diversify investments, pay debt fast, and insure wisely against life's shocks. - [5 Tips for wisely spending your bonus | JustMoney](https://www.justmoney.co.za/articles/5-tips-for-wisely-spending-your-bonus/): Got a year-end bonus? Split it wisely: clear high-interest debt, pad an emergency fund, boost retirement savings, invest for growth, and reward yourself - [5 Tips to outsmart the next petrol hike | JustMoney](https://www.justmoney.co.za/articles/5-tips-to-outsmart-the-next-petrol-hike/) - [5 Tips you should know before you start saving | JustMoney](https://www.justmoney.co.za/articles/5-tips-you-should-know-before-you-start-saving/): This article provides five tips to help you get a head start on savings and what everyone should consider before they begin their savings journey. - [How the Nokia 3310 Could Save You Money | JustMoney](https://www.justmoney.co.za/articles/5-ways-in-which-the-nokia-3310-could-save-you-money/): Old-school phones are making a comeback. See how the Nokia 3310 could save you money by helping you avoid high data bills and other expenses. Read On - [5 ways to avoid rental fraudsters | JustMoney](https://www.justmoney.co.za/articles/5-ways-to-avoid-rental-fraudsters/): Protect yourself from rental fraud by learning these 5 tips to avoid scammers. Learn how to keep your money and personal information safe. - [5 Ways to borrow money - choose carefully | JustMoney](https://www.justmoney.co.za/articles/5-ways-to-borrow-choose-carefully/): Borrowing money can be a useful tool, but it's important to choose carefully. Here are 5 ways to make smart borrowing decisions to avoid financial trouble. - [5 Ways to fireproof your house | JustMoney](https://www.justmoney.co.za/articles/5-ways-to-fireproof-your-house/): Protect your home from fire with these 5 tips to fireproof your house. From smoke detectors to landscaping, learn how to reduce the risk of fire. - [Five ways to save on your groceries | JustMoney](https://www.justmoney.co.za/articles/5-ways-to-save-on-your-groceries/): By making a few simple changes to the way you shop, you'd be surprised at how much you can save. - [5 Ways Trump’s win will impact South Africa | JustMoney](https://www.justmoney.co.za/articles/5-ways-trump-s-win-will-impact-south-africa/): Explore how Trump's win could impact South Africa. Learn about the possible economic, political, and social effects, and how to prepare for the changes ahead. - [50% OFF! Is it really cheaper? ](https://www.justmoney.co.za/articles/50-off-is-it-really-cheaper/): A big discount doesn’t always mean a big saving. Here’s how to tell if you’re really getting a deal that helps you stretch your money. - [500,000 South Africans have garnishee orders against them | JustMoney](https://www.justmoney.co.za/articles/500-000-south-africans-have-garnishee-orders-against-them/): 500,000 South Africans have garnishee orders against them - [Debt Counselling Uptake Set to Rise by 500% | JustMoney](https://www.justmoney.co.za/articles/500-increase-in-people-under-debt-counselling-expected/): SA may see a 500% surge in debt-counselling applicants as interest rates and living costs bite. Learn what triggers the spike and how to get help fast. - [6 Clever ways to spend your tax refund | JustMoney](https://www.justmoney.co.za/articles/6-clever-ways-to-spend-your-tax-refund/): Maximize your tax refund with these 6 clever spending ideas. From paying off debt to investing in yourself, make the most of your extra cash. - [7 Factors that do not impact your credit score | JustMoney](https://www.justmoney.co.za/articles/6-factors-that-do-not-impact-your-credit-score/): Understand what doesn't affect your credit score with these 6 key factors. From income to employment history, learn what doesn't impact your credit score. - [Western Cape Vehicle Licence Fee Hike Announced | JustMoney](https://www.justmoney.co.za/articles/6-vehicle-licence-registration-fee-increase-for-western-cape/): Western Cape motorists will pay 6% more for vehicle licence and registration fees from Aug 2025. See the new tariffs and tips to keep motoring costs down. - [6 Vital Health checks for men under 40 | JustMoney](https://www.justmoney.co.za/articles/6-vital-health-checks-for-men-under-40/): Discover 6 vital health checks for men under 40 to stay fit and catch issues early. Learn expert tips to maintain peak health and prevent problems. Read on - [6 Ways junk status will affect you | JustMoney](https://www.justmoney.co.za/articles/6-ways-junk-status-will-affect-you/): SA’s junk status downgrade could mean more than headlines. Find out six key ways it might hit your pocket, loans, job prospects, and investments. - [6 Ways you can secure lower interest rates | JustMoney](https://www.justmoney.co.za/articles/6-ways-you-can-secure-lower-interest-rates/): Lowering your interest rates can save you money in the long run. Here are 6 ways to secure lower rates on loans, credit cards, and other financial products. - [61% of Consumers are in Good Standing with their Creditors | JustMoney](https://www.justmoney.co.za/articles/61-of-consumers-are-in-good-standing-with-their-creditors/): Despite economic strain, 61% of South African consumers stay in good standing with creditors. See key credit trends and what this means for your personal score. - [6.25% repo rate bad news for consumers | JustMoney](https://www.justmoney.co.za/articles/625-repo-rate-bad-news-for-consumers/): Repo Rate Alert: Bad News for Consumers! Discover how the latest rate change could impact your finances and what you can do to mitigate the effects. - [7 Emotions that impact your finances | JustMoney](https://www.justmoney.co.za/articles/7-emotions-that-impact-your-finances/): We all strive to make rational financial decisions, to control our costs in the present and increase our future financial gain. However, what would happen if we allowed our emotions to take the lead in money matters? - [7 Key Factors in Your Loan Agreement Review | JustMoney](https://www.justmoney.co.za/articles/7-factors-to-consider-when-reading-your-loan-agreement/): Before signing a loan agreement, it's important to understand the terms and conditions. Here are key details to look out for to avoid financial surprises. - [Unusual Christmas gifts: It’s time to shock the family | JustMoney](https://www.justmoney.co.za/articles/7-habits-for-thoughtful-gift-giving/): Surprise your loved ones with unique Christmas gifts to make them smile. Explore our unusual and creative gift ideas to shock and delight your family - [7 Habits to reach financial freedom | JustMoney](https://www.justmoney.co.za/articles/7-habits-to-reach-financial-freedom/): We have a look at what financial freedom is, and we identify seven positive habits that you should follow as part of your routine. - [7 Insurance musts for landlords | JustMoney](https://www.justmoney.co.za/articles/7-insurance-musts-for-landlords/): Discover the 7 essential insurance types landlords need to protect their investment properties. 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Find out how the recent changes could increase your odds of hitting the jackpot. - [Molo Funeral Service slapped with R200, 000 fine | JustMoney](https://www.justmoney.co.za/articles/molo-funeral-service-slapped-with-r200-000-fine/): Molo Funeral Service slapped with R200 000 fine - [Momentum vs. The people: Who is at fault? | JustMoney](https://www.justmoney.co.za/articles/momentum-vs-the-people-who-is-at-fault/): Read about the Momentum case and the debate surrounding the company's actions and accountability in the ongoing legal dispute with the people. - [Monday 19th January - the worst day of the year | JustMoney](https://www.justmoney.co.za/articles/monday-19th-january-the-worst-day-of-the-year/) - [Monday News Review | JustMoney](https://www.justmoney.co.za/articles/monday-news-review/) - [Money growing on trees | JustMoney](https://www.justmoney.co.za/articles/money-growing-on-trees/): Money growing on trees - [Money habits to cultivate for financial success | JustMoney](https://www.justmoney.co.za/articles/money-habits-to-cultivate-for-financial-success/): Managing money is challenging, and the current financial climate doesn’t help. This article offers five strategies to align your money habits with your goals. - [Money management app 22seven brought in-house | JustMoney](https://www.justmoney.co.za/articles/money-management-app-22seven-brought-in-house/): Discovery brings the 22seven app in-house. Learn how this money management tool continues to help South Africans track spending and meet financial goals. - [Money market funds can cost your investment | JustMoney](https://www.justmoney.co.za/articles/money-market-funds-can-cost-your-investment/): Money market funds can cost your investment - [Money questions? Ask the expert | JustMoney](https://www.justmoney.co.za/articles/money-questions-ask-the-expert/) - [Money saving tips | JustMoney](https://www.justmoney.co.za/articles/money-saving-tips/) - [Young Entrepreneurs: Starting Your Own Business | JustMoney](https://www.justmoney.co.za/articles/money-savvy-kids-are-you-looking-to-start-your-own-business/): Encourage entrepreneurial spirit in your kids! Discover how to help them start a business, build money skills, and boost their financial literacy. - [Money secrets that can hurt your relationship | JustMoney](https://www.justmoney.co.za/articles/money-secrets-that-can-hurt-your-relationship/) - [“Money worries that keep me up at night” | JustMoney](https://www.justmoney.co.za/articles/money-worries-that-keep-me-up-at-night/) - [MoneySmart: Is it worth your while? | JustMoney](https://www.justmoney.co.za/articles/moneysmart-is-it-worth-your-while/): Budgeting apps have revolutionised the way in which consumers manage their finances. From being able to access all your bank accounts to gaining access to budgeting tools, savings structures, and having your spending habits tracked – all ... - [Moneysmart makes a comeback | JustMoney](https://www.justmoney.co.za/articles/moneysmart-makes-a-comeback/): Moneysmart is back, helping South Africans compare financial products and find better deals on loans, insurance and more. - [Moneysmart money management tool comes to an end | JustMoney](https://www.justmoney.co.za/articles/moneysmart-money-management-tool-comes-to-an-end/): Moneysmart money management tool comes to an end - [Moody rates positive | JustMoney](https://www.justmoney.co.za/articles/moody-rates-positive/) - [Moody’s follows suit with ratings downgrade | JustMoney](https://www.justmoney.co.za/articles/moody-s-follows-suit-with-ratings-downgrade/): Moody’s has downgraded South Africa’s credit rating. 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Just Money explains. - [Moms Saving for Their Children’s Education | JustMoney](https://www.justmoney.co.za/articles/mothers-working-towards-their-childrens-education/) - [Motorists breathe easy in September | JustMoney](https://www.justmoney.co.za/articles/motorists-breathe-easy-in-september/) - [Motorists to brace for another fuel increase | JustMoney](https://www.justmoney.co.za/articles/motorists-to-brace-for-another-fuel-increase/): Motorists should brace for another fuel hike as rand weakness and rising oil prices push pump costs higher; adopt fuel-saving tips to cushion monthly budgets. - [Motorists wake up to petrol hikes and e-toll charges | JustMoney](https://www.justmoney.co.za/articles/motorists-wake-up-to-petrol-hikes-and-e-toll-charges/): Motorists wake up to petrol hikes and e-toll charges - [Motorists welcome 2015 petrol and diesel price drop | JustMoney](https://www.justmoney.co.za/articles/motorists-welcome-2015-petrol-and-diesel-price-drop/): motorists-welcome-2015-petrol-and-diesel-price-drop - [Motorists will benefit from World Cup | JustMoney](https://www.justmoney.co.za/articles/motorists-will-benefit-from-world-cup/) - [Moves to cap predatory garnishing orders | JustMoney](https://www.justmoney.co.za/articles/moves-to-cap-predatory-garnishing-orders/) - [Moving money offshore | JustMoney](https://www.justmoney.co.za/articles/moving-money-offshore/): Moving money offshore - [MPC hikes rates, borrowers to feel pain | JustMoney](https://www.justmoney.co.za/articles/mpc-hikes-rates-borrowers-to-feel-pain/): MPC hikes rates borrowers to feel pain - [MPC Rate Meeting Kicks Off with Gill Marcus | JustMoney](https://www.justmoney.co.za/articles/mpc-interest-rate-meeting-begins-with-gill-marcus/) - [Mpesa revamped for the South African market | JustMoney](https://www.justmoney.co.za/articles/mpesa-revamped-for-the-south-african-market/): Mpesa revamped for the South African market - [MTN calls for end to strike | JustMoney](https://www.justmoney.co.za/articles/mtn-calls-for-end-to-strike/): MTN calls for end to strike - [MTN CEO resigns while strike continues | JustMoney](https://www.justmoney.co.za/articles/mtn-ceo-resigns-while-strike-continues/): MTN CEO resigns while strike continues - [MTN drops mobile money service | JustMoney](https://www.justmoney.co.za/articles/mtn-drops-mobile-money-service/) - [MTN launches six month cheap data bundle promotion | JustMoney](https://www.justmoney.co.za/articles/mtn-launches-six-month-cheap-data-bundle-promotion/): mtn-launches-six-month-cheap-data-bundle-promotion - [MTN Lists BEE Scheme on JSE Amid Fine | JustMoney](https://www.justmoney.co.za/articles/mtn-lists-bee-scheme-on-the-jse-despite-looming-fine/): MTN lists BEE scheme on the JSE despite looming fine - [MTN receives most consumer complaints in 2015/16 | JustMoney](https://www.justmoney.co.za/articles/mtn-receives-most-consumer-complaints-in-201516/): MTN tops consumer complaints in 2015/16. 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Learn what this rebranding means for the company and how it impacts its customers and services. - [MWEB announce uncapped broadband | JustMoney](https://www.justmoney.co.za/articles/mweb-announce-uncapped-broadband/) - [Employer Stops Pension Contributions – What to Do? | JustMoney](https://www.justmoney.co.za/articles/my-employer-ceased-contributing-to-my-pension-what-now/): If your employer stopped contributing to your pension, learn your options and next steps to safeguard your retirement savings. Get expert advice. Read on Now - [My two cents on the Nedbank MobiMoney account | JustMoney](https://www.justmoney.co.za/articles/my-two-cents-on-the-nedbank-mobimoney-account/): In November last year Nedbank, launched a mobile account called MobiMoney. 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JustMoney explains the implications for consumers and credit practices. - [NCR in hot water over Abil | JustMoney](https://www.justmoney.co.za/articles/ncr-in-hot-water-over-abil/): NCR in Hot Water Over ABIL: What You Need to Know! Stay informed about the latest developments and implications surrounding this controversy. - [NCR & Justmoney.co.za: Demand for loans on the rise after festive spending | JustMoney](https://www.justmoney.co.za/articles/ncr-justmoneycoza-demand-for-loans-on-the-rise-after-festive-spending/) - [NCR Probes Lenders on Repossession Sale Shortfalls | JustMoney](https://www.justmoney.co.za/articles/ncr-probes-lenders-over-repossession-sale-shortfalls/): Exclusive investigation: NCR probes lenders over repossession sale shortfalls! Stay informed on this crucial development affecting borrowers. Get the latest now. - [NCR registration for all credit providers | JustMoney](https://www.justmoney.co.za/articles/ncr-registration-for-all-credit-providers/): NCR registration for all credit providers is explained by JustMoney. Understand the requirements and benefits of registering as a credit provider. - [NCR responds in Lewis debacle | JustMoney](https://www.justmoney.co.za/articles/ncr-responds-in-lewis-debacle/) - [NCR says Edcon in contravention of credit act | JustMoney](https://www.justmoney.co.za/articles/ncr-says-edcon-in-contravention-of-credit-act/): NCR claims Edcon violated the Credit Act. Discover how this breach impacts consumers and the regulatory landscape in South Africa's finance sector. Read on - [NCR serves Thaba Selemo Financial Services CC | JustMoney](https://www.justmoney.co.za/articles/ncr-serves-thaba-selemo-financial-services-cc/): NCR serves Thaba Selemo Financial Services CC - [NCR to investigate R699 car scheme | JustMoney](https://www.justmoney.co.za/articles/ncr-to-investigate-r699-car-scheme/): NCR to investigate R699 car scheme - [NCR: Understand your rights and urges | JustMoney](https://www.justmoney.co.za/articles/ncr-understand-your-rights-and-urges/): The National Credit Regulator (NCR) has urged consumers to be aware of their rights when it comes to credit agreements. - [NCR Flags Pawn-Your-Car Drive-It Scam | JustMoney](https://www.justmoney.co.za/articles/ncr-warns-against-pawn-your-car-and-drive-it-scheme/): NCR warns against ‘pawn your car and drive it’ schemes. Learn risks, repossession traps, illegal terms, and safer alternatives to urgent cash needs today. Now. - [NCR warns: Beware fake credit providers | JustMoney](https://www.justmoney.co.za/articles/ncr-warns-beware-fake-credit-providers/): ncr-warns-beware-fake-credit-providers - [NCT takes debt counsellor to task | JustMoney](https://www.justmoney.co.za/articles/nct-takes-debt-counsellor-to-task/): NCT takes debt counsellor to task - [NDMA calls for more solutions to aid over-indebted consumers | JustMoney](https://www.justmoney.co.za/articles/ndma-calls-for-more-solutions-to-aid-over-indebted-consumers/) - [NDMA here to help the over indebted | JustMoney](https://www.justmoney.co.za/articles/ndma-here-to-help-the-over-indebted/): NDMA: here to help the over-indebted. See how mediators resolve disputes, arrange realistic payment plans, and protect your rights with creditors across SA. - [Debt Mediation Requests Up 120 %: NDMA | JustMoney](https://www.justmoney.co.za/articles/ndma-requests-for-debt-mediation-rose-by-120-percent/) - [NDMA warns against unscrupulous administrators | JustMoney](https://www.justmoney.co.za/articles/ndma-warns-against-unscrupulous-administrators/) - [NDMA will gain independence to help public with debt | JustMoney](https://www.justmoney.co.za/articles/ndma-will-gain-independence-to-help-public-with-debt/) - [ Nedbank admits R1.6bn R699 car scheme exposure | JustMoney](https://www.justmoney.co.za/articles/nedbank-admits-r16bn-r699-car-scheme-exposure/): Explore Nedbank's acknowledgment of its exposure to the R699 car scheme. Understand the potential consequences for the bank and its customers. - [Nedbank balance Transfer Credit Card | JustMoney](https://www.justmoney.co.za/articles/nedbank-balance-transfer-credit-card/): Transfer your balance to a Nedbank credit card and save on interest rates. JustMoney provides the details and benefits. Apply now! - [Nedbank Credit Cards | JustMoney](https://www.justmoney.co.za/articles/nedbank-credit-cards/): Compare Nedbank credit cards, from everyday spending to premium travel options, and pick the right card for your lifestyle. - [Nedbank Everyday Current Account | JustMoney](https://www.justmoney.co.za/articles/nedbank-everyday-current-account/) - [Nedbank GAP Access Reimagines Banking | JustMoney](https://www.justmoney.co.za/articles/nedbank-gap-access-changing-the-way-we-do-business/) - [Nedbank Greenbacks not in favour of the consumer | JustMoney](https://www.justmoney.co.za/articles/nedbank-greenbacks-not-in-favour-of-the-consumer/): What are Greenbacks from Nedbank? Are you gaining any rewards? Just Money explains. - [Nedbank Home Loans' next new innovation | JustMoney](https://www.justmoney.co.za/articles/nedbank-home-loans-next-new-innovation/): Nedbank Home Loans next new innovation - [Nedbank interim financial results | JustMoney](https://www.justmoney.co.za/articles/nedbank-interim-financial-results/) - [Nedbank Personal Loan | JustMoney](https://www.justmoney.co.za/articles/nedbank-personal-loan/) - [Nedbank recommends stocks for 2015 | JustMoney](https://www.justmoney.co.za/articles/nedbank-recommends-stocks-for-2015/): nedbank-recommends-stocks-for-2015 - [Nedbank slashes bond attorney fees | JustMoney](https://www.justmoney.co.za/articles/nedbank-slashes-bond-attorney-fees/): Nedbank slashes bond attorney fees - [Nedbank to launch MyFinancialLife tool | JustMoney](https://www.justmoney.co.za/articles/nedbank-to-launch-myfinanciallife-tool/) - [Nedbank: "Turn interest rate pain to gain" | JustMoney](https://www.justmoney.co.za/articles/nedbank-turn-interest-rate-pain-to-gain/) - [Nedbank's cash sweetener to win new customers | JustMoney](https://www.justmoney.co.za/articles/nedbanks-cash-sweetener-to-win-new-customers/) - [Nedbank's Fresh Start Promotion | JustMoney](https://www.justmoney.co.za/articles/nedbanks-fresh-start-promotion/) - [Need a helping hand with your debt? | JustMoney](https://www.justmoney.co.za/articles/need-a-helping-hand-with-your-debt/) - [Need a home loan? Phone a friend | JustMoney](https://www.justmoney.co.za/articles/need-a-home-loan-phone-a-friend/): need-a-home-loan-phone-a-friend - [Needed in the budget: innovative tax solutions | JustMoney](https://www.justmoney.co.za/articles/needed-in-the-budget-innovative-tax-solutions/): innovative changes to the country’s tax structures are needed to address the country’s shortage of skilled medical professionals. - [‘Negative sentiment’ drags property down | JustMoney](https://www.justmoney.co.za/articles/negative-sentiment-drags-property-down/) - [NERSA approves Eskom tariff hike request | JustMoney](https://www.justmoney.co.za/articles/nersa-approves-eskom-tariff-hike-request/) - [NERSA OKs Transnet Fuel Pipeline Tariff Hike | JustMoney](https://www.justmoney.co.za/articles/nersa-approves-transnet-petroleum-pipeline-tariff-increase/) - [Nersa: Holes in Eskom's argument | JustMoney](https://www.justmoney.co.za/articles/nersa-holes-in-eskoms-argument/): Holes in Eskom's argument - [Nersa lets Eskom raise prices by eight percent | JustMoney](https://www.justmoney.co.za/articles/nersa-lets-eskom-raise-prices-by-eight-percent/): Nersa lets Eskom raise prices by eight percent - [Net1 accused of making illegal deductions | JustMoney](https://www.justmoney.co.za/articles/net1-accused-of-making-illegal-deductions/): Net1 accused of making illegal deductions - [Net1 can take deductions from social grants | JustMoney](https://www.justmoney.co.za/articles/net1-can-take-deductions-from-social-grants/): Net1 is allowed to make deductions from social grants. 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Do I qualify for a yearly tax relief and if so how much should I expect? | JustMoney](https://www.justmoney.co.za/faqs/i-am-30-years-old-and-unemployed-and-wish-to-put-a-lump-sum-of-r50000-for-an-retirement-annuity-ra-do-i-qualify-for-a-yearly-tax-relief-and-if-so-how-much-should-i-expect/) - [I am 43 years old I don't have provident or pension fund. What is a good investment for my retirement and for my family? | JustMoney](https://www.justmoney.co.za/faqs/i-am-43-years-old-i-dont-have-provident-or-pension-fund-what-is-a-good-investment-for-my-retirement-and-for-my-family/) - [I am 44 years old and my endowment policy has just matured and I want to know if we should take out another policy or invest elsewhere. I have about R1500 a month that I can invest on top of that. | JustMoney](https://www.justmoney.co.za/faqs/i-am-44-years-old-and-my-endowment-policy-has-just-matured-and-i-want-to-know-if-we-should-take-out-another-policy-or-invest-elsewhere-i-have-about-r1500-a-month-that-i-can-invest-on-top-of-that/) - [I am a lady of 39 years. I took out a retirement annuity in 2011 and I am paying around R190 per month. I am not sure with estimated calculations how much it will be the time I retire. Will I have enough to retire on? | JustMoney](https://www.justmoney.co.za/faqs/i-am-a-lady-of-39-years-i-took-out-a-retirement-annuity-in-2011-and-i-am-paying-around-r190-per-month-i-am-not-sure-with-estimated-calculations-how-much-it-will-be-the-time-i-retire-will-i-have-enough-to-retire-on/) - [I am currently under debt review and I feel that the amount I'm paying, which is the 35% of my monthly pay, is too much and I can't handle it I need a break. What can I do? | JustMoney](https://www.justmoney.co.za/faqs/i-am-currently-under-debt-review-and-i-feel-that-the-amount-im-paying-which-is-the-35-of-my-monthly-pay-is-too-much-and-i-cant-handle-it-i-need-a-break-what-can-i-do/) - [I am under debt review but have made an arrangement with all my creditors. Can my debt councillors take my name off the debt review list? | JustMoney](https://www.justmoney.co.za/faqs/i-am-under-debt-review-but-have-made-an-arrangement-with-all-my-creditors-can-my-debt-councillors-take-my-name-off-the-debt-review-list/) - [I am under debt review but would like a consolidation loan. What can I do? | JustMoney](https://www.justmoney.co.za/faqs/i-am-under-debt-review-but-would-like-a-consolidation-loan-what-can-i-do/) - [I don't have provident or pension fund. What is a good investment for my retirement and for my family? | JustMoney](https://www.justmoney.co.za/faqs/i-dont-have-provident-or-pension-fund-what-is-a-good-investment-for-my-retirement-and-for-my-family/) - [I haven't paid my debt counselor and my credit providers want to make a judgement against me what can I do? | JustMoney](https://www.justmoney.co.za/faqs/i-havent-paid-my-debt-counselor-and-my-credit-providers-want-to-make-a-judgement-against-me-what-can-i-do/) - [Can I get a loan if I’m “blacklisted”? | JustMoney](https://www.justmoney.co.za/faqs/i-want-to-pay-off-my-debt-but-i-am-blacklisted-will-i-get-a-personal-loan-if-i-tell-the-loan-company-that-this-is-why-i-need-the-money/): I want to pay off my debt, but I am blacklisted. Will I get a personal loan if I tell the loan company that this is why I need the money? We break down the best way to deal with deal when blacklisted. - [I would like to cancel my administration order. I am now under admin for the last seven years. | JustMoney](https://www.justmoney.co.za/faqs/i-would-like-to-cancel-my-administration-order-i-am-now-under-admin-for-the-last-seven-years/) - [If I have a credit card and I have paid it off but paid more than what I owe, is it good to leave whatever is paid more in and use the credit card as a saving account, or do I need to withdraw all the monies that are over paid? | JustMoney](https://www.justmoney.co.za/faqs/if-i-have-a-credit-card-and-i-have-paid-it-off-but-paid-more-than-what-i-owe-is-it-good-to-leave-whatever-is-paid-more-in-and-use-the-credit-card-as-a-saving-account-or-do-i-need-to-withdraw-all-the-monies-that-are-over-paid/) - [If I have low credit score can I get a credit card? | JustMoney](https://www.justmoney.co.za/faqs/if-i-have-low-credit-score-can-i-get-a-credit-card/) - [Is a consolidation loan a good idea for me? | JustMoney](https://www.justmoney.co.za/faqs/is-a-consolidation-loan-a-good-idea-for-me/) - [Should you use a credit card like a regular bank account? | JustMoney](https://www.justmoney.co.za/faqs/is-it-a-good-idea-to-use-a-credit-card-as-a-normal-bank-account-ie-get-salary-paid-into-this-account-etc/) - [Should you use a credit card like a regular bank account? | JustMoney](https://www.justmoney.co.za/faqs/is-it-a-good-idea-to-use-a-credit-card-as-a-normal-bank-account/): Is it a good idea to treat your credit card like a regular bank account? We outline the key factors to consider. - [Is it better to have a credit card or an overdraft? | JustMoney](https://www.justmoney.co.za/faqs/is-it-better-to-have-a-credit-card-or-an-overdraft/) - [Is it possible to open a bank account at Capitec Bank if I don't have a proof of residence? | JustMoney](https://www.justmoney.co.za/faqs/is-it-possible-to-open-a-bank-account-at-capitec-bank-if-i-dont-have-a-proof-of-residence/): Is it possible to open a bank account at Capitec Bank if I don't have a proof of residence? We explain your options for opening a bank account at Capitec. - [Is it wise to cancel a home loan bond once it is fully paid up? | JustMoney](https://www.justmoney.co.za/faqs/is-it-wise-to-cancel-a-home-loan-bond-once-it-is-fully-paid-up/) - [Should I buy a fixed pension or a living annuity? | JustMoney](https://www.justmoney.co.za/faqs/should-i-buy-a-fixed-pension-or-a-living-annuity/) - [Should I pay my bond off with my provident fund savings or invest it? | JustMoney](https://www.justmoney.co.za/faqs/should-i-pay-my-bond-off-with-my-provident-fund-savings-or-invest-it/) - [We paid less on our debt review amount due to urgent reasons. One of our creditors want to cancel the debt review and proceed with legal action. | JustMoney](https://www.justmoney.co.za/faqs/we-paid-less-on-our-debt-review-amount-due-to-urgent-reasons-one-of-our-creditors-want-to-cancel-the-debt-review-and-proceed-with-legal-action/) - [What documents do I require for a loan application? | JustMoney](https://www.justmoney.co.za/faqs/what-documents-do-i-require-for-a-loan-application/) - [What if my card does not have a security code on the back and I want to make purchases online? | JustMoney](https://www.justmoney.co.za/faqs/what-if-my-card-does-not-have-a-security-code-on-the-back-and-i-want-to-make-purchases-online/) - [What interest do I pay on the Lamna loan? | JustMoney](https://www.justmoney.co.za/faqs/what-interest-do-i-pay-on-the-lamna-loan/) - [What is the difference between insurance and assurance? And what is the best life assurance currently on the market which is still affordable not only for myself but for my family members as well? | JustMoney](https://www.justmoney.co.za/faqs/what-is-the-difference-between-insurance-and-assurance-and-what-is-the-best-life-assurance-currently-on-the-market-which-is-still-affordable-not-only-for-myself-but-for-my-family-members-as-well/) - [What is the impact of being under debt review and you not having cleared your name? There is talk that debt review is a bad option because once you are under that you will never be able to apply for credit again. | JustMoney](https://www.justmoney.co.za/faqs/what-is-the-impact-of-being-under-debt-review-and-you-not-having-cleared-your-name-there-is-talk-that-debt-review-is-a-bad-option-because-once-you-are-under-that-you-will-never-be-able-to-apply-for-credit-again/) - [What are the monthly repayments on a credit card | JustMoney](https://www.justmoney.co.za/faqs/what-will-the-monthly-payment-be-on-the-credit-card/): What are the monthly repayments on a credit card? Just Money gives credit card repayment info for Standard Bank Credit Cards. - [When can you apply for a bond if you've voluntarily removed yourself from debt review? | JustMoney](https://www.justmoney.co.za/faqs/when-can-you-apply-for-a-bond-if-youve-voluntarily-removed-yourself-from-debt-review/) - [When can you apply for a home loan after voluntarily removing yourself from debt review? | JustMoney](https://www.justmoney.co.za/faqs/when-can-you-apply-for-a-home-loan-after-voluntarily-removing-yourself-from-debt-review/) - [Which life cover would be best if I am interested in buying a property in the near future? | JustMoney](https://www.justmoney.co.za/faqs/which-life-cover-would-be-best-if-i-am-interested-in-buying-a-property-in-the-near-future/) - [Who is Justmoney? | JustMoney](https://www.justmoney.co.za/faqs/who-is-justmoney/) - [Will I have enough to retire on? | JustMoney](https://www.justmoney.co.za/faqs/will-i-have-enough-to-retire-on/) - [Will usage of budget facility lower my credit score? Given that the closing balance of straight facility + budget facility is way below credit limit (let’s say 20%) | JustMoney](https://www.justmoney.co.za/faqs/will-usage-of-budget-facility-lower-my-credit-score-given-that-the-closing-balance-of-straight-facility-budget-facility-is-way-below-credit-limit-letx2019s-say-20/) - [Will usage of budget facility lower my credit score? | JustMoney](https://www.justmoney.co.za/faqs/will-usage-of-budget-facility-lower-my-credit-score/) - [Guides | JustMoney](https://www.justmoney.co.za/guides/): Our well-researched guides will help you gain in-depth knowledge about personal finance and financial products. Be sure to read them to improve your financial health. - [All you need to know about home loans | JustMoney](https://www.justmoney.co.za/guides/all-you-need-to-know-about-home-loans/): In this guide you will learn about types of home loans, the interest you pay for your home loan, how to qualify for a home loan and where you can apply. - [Complete guide on personal income tax | JustMoney](https://www.justmoney.co.za/guides/complete-guide-to-personal-income-tax/): A comprehensive guide to personal income tax – from what it includes, to exemptions and important filing dates. - [Demystifying the life insurance claim process | JustMoney](https://www.justmoney.co.za/guides/demystifying-the-life-insurance-claim-process/): The life insurance claims process can be confusing. We demystify the process by outlining the steps, and what you can expect when submitting a claim. - [Get approved for a personal loan – the ultimate cheat sheet | JustMoney](https://www.justmoney.co.za/guides/get-approved-for-a-personal-loan-the-ultimate-cheat-sheet/): This guide will give you a better understanding of how you can qualify for a personal loan. It will identify what a personal loan is, consider the factors that impact your eligibility, and distinguish between good and bad reasons for taking out ... - [Guide to debt rehabilitation solutions | JustMoney](https://www.justmoney.co.za/guides/guide-to-debt-rehabilitation-solutions/): Guide to debt rehabilitation solutions: debt review, consolidation, payment plans, sequestration basics, and how to rebuild your credit score safely in SA. - [How Debt Counselling Affects Your Finances | JustMoney](https://www.justmoney.co.za/guides/how-does-debt-counselling-affect-your-financial-health/): Uncover the Impact of Debt Counselling on Your Financial Well-being! Just Money Guides You Through Understanding Debt Counselling Effects. Read Now! - [In the Media | JustMoney](https://www.justmoney.co.za/media/): JustMoney's personal finance experts are regularly featured in South African newspapers, magazines, and on TV and radio. Catch up with the latest coverage here. - [CCFM | Youth Month: Teach money lessons | JustMoney](https://www.justmoney.co.za/media/ccfm-youth-month-teach-money-lessons/) - [Money Marketing | Midlife and money: Financial survival guide for women over 40 | JustMoney](https://www.justmoney.co.za/media/money-marketing-midlife-and-money-financial-survival-guide-for-women-over-40/) - [Notice regarding a third-party cybersecurity incident | JustMoney](https://www.justmoney.co.za/media/notice-regarding-a-third-party-cybersecurity-incident/) - [Online Magazine | Money & Me survey: South Africans are struggling but remain resilient | JustMoney](https://www.justmoney.co.za/media/online-magazine-money-me-survey-south-africans-are-struggling-but-remain-resilient/) - [JustMoney Money & Me Survey Competition 2026 – Terms and Conditions | JustMoney](https://www.justmoney.co.za/money-and-me-competition-2026-tcs/) - [Money & Me | JustMoney](https://www.justmoney.co.za/money-and-me/): Money & Me is JustMoney's large-scale survey of how South Africans earn, borrow, spend, save, protect and trust with their money. Explore the results. - [2025 Money & Me Survey: South Africans are struggling, but financially resilient | JustMoney](https://www.justmoney.co.za/money-and-me/inaugural-money-me-survey-south-africans-struggling-but-resilient/) - [Money & Me 2026: Financial pressure intensifies | JustMoney](https://www.justmoney.co.za/money-and-me/money-me-2026-south-africans-struggle-to-stretch-money/) - [Sign up for our newsletter | JustMoney](https://www.justmoney.co.za/newsletter-signup/) - [JustMoney](https://www.justmoney.co.za/podcasts/) - [Privacy Policy | JustMoney](https://www.justmoney.co.za/privacy-policy/): This notice tells you how we collect and use your information. For any questions, reach out to the JustMoney team. - [Products | JustMoney](https://www.justmoney.co.za/products/): See the latest personal finance products including all their relevant detail. We show loans, credit cards, insurance, bank accounts, and more. - [The Absa Notice Select | JustMoney](https://www.justmoney.co.za/products/absa-32-day-notice-deposit-account/): The Absa Notice Select is a flexible notice deposit account that lets you choose your own notice period – 7, 15, 32, or 45 days. Learn more now. - [Absa Fixed Deposit savings account | JustMoney](https://www.justmoney.co.za/products/absa-fixed-deposit-savings-account/): The Absa Fixed Deposit savings account keeps your investment safe, and allows it to grow, with competitive interest rates. JustMoney has the details. - [Absa Flexi Value Bundled Account | JustMoney](https://www.justmoney.co.za/products/absa-flexi-value-bundled-account/): Learn more about the Absa Flexi Value Bundled Account today and start getting rewarded. Everything you need to know about the account here. - [Absa Gold Account | JustMoney](https://www.justmoney.co.za/products/absa-gold-account/): Elevate Your Banking Experience with Absa Gold Account! Learn all of the details in one easy place, brought to you by Just Money. - [Absa Gold Credit Card | JustMoney](https://www.justmoney.co.za/products/absa-gold-credit-card/): Learn more about the Absa Gold Credit Card, the interest rates, the benefits it comes with, costs and more. You can apply today. Presented by Just Money. - [Absa Personal Loan | JustMoney](https://www.justmoney.co.za/products/absa-personal-loan/): Learn about Absa personal loans in South Africa, including interest rates, fees, benefits and how to apply for flexible funding of up to R350,000. - [Absa Premium Banking Account | JustMoney](https://www.justmoney.co.za/products/absa-platinum-account/): Absa Premium Banking Account: Experience Premium Banking with Exclusive Benefits and Features. - [ABSA Premium Credit Card | JustMoney](https://www.justmoney.co.za/products/absa-premium-credit-card/): Everything you need to know about the ABSA Premium Credit Card. Including income needed, fees and rewards. Learn more and this card apply today! - [Absa Transact Account | JustMoney](https://www.justmoney.co.za/products/absa-transact-account/): Experience Seamless Banking with Absa Transact Account! Enjoy Convenient Transactions and Easy Management at Just Money. Sign Up Now! - [Absa Youth and Student Banking Accounts | JustMoney](https://www.justmoney.co.za/products/absa-youth-and-student-banking-accounts/): View the Absa Youth and Student Banking Account information. Discover Tailored Solutions for Students' Financial Needs. - [African Bank Gold Credit Card | JustMoney](https://www.justmoney.co.za/products/african-bank-gold-credit-card/): The African Bank Gold Credit Card gives you 60 days of interest-free repayment time. Learn more about the card and find out if it's right for your lifestyle. - [African Bank Personal Loan ](https://www.justmoney.co.za/products/african-bank-personal-loan/): Learn about African Bank personal loans in South Africa, including interest rates, fees, benefits and how to apply for flexible, fixed-repayment funding. - [African Bank Silver Credit Card | JustMoney](https://www.justmoney.co.za/products/african-bank-silver-credit-card/): Interested in the African Bank Silver Credit Card? Just Money presents everything you need to know including the fees and rewards. Sign up today! - [American Express Blue Credit Card | JustMoney](https://www.justmoney.co.za/products/american-express-blue-credit-card/): Nedbank American Express Gold Credit Card: Unlock a world of rewards and benefits with the Nedbank American Express Gold Credit Card. - [American Express Gold Credit Card | JustMoney](https://www.justmoney.co.za/products/american-express-gold-credit-card/): American Express Gold Credit Card: min income R3 000, 55 days interest‑free, budget facility & automatic travel insurance. Low R27 fee. Apply online today. - [American Express Platinum Credit Card | JustMoney](https://www.justmoney.co.za/products/american-express-platinum-credit-card/): Nedbank American Express Platinum 2025: Premium rewards, R10 million travel cover, Priority Pass access and Fine Hotels benefits. Check budget and credit score. - [Barclaycard Prime Credit Card | JustMoney](https://www.justmoney.co.za/products/barclaycard-platinum-credit-card/): Learn more about the Barclaycard Platinum Credit Card. We break down what your minimum income, fees and rewards will be when signing up for this card. - [Bestmed Pace 3 for less than R103 400 p.a. | JustMoney](https://www.justmoney.co.za/products/bestmed-pace-3-for-less-than-r103-400-pa/): Access Quality Healthcare with Bestmed Pace 3! Just Money Offers Coverage for Less Than R103,400 Per Annum. Enroll Now for Peace of Mind! - [Bestmed Pace 4 | JustMoney](https://www.justmoney.co.za/products/bestmed-pace-4/): Bestmed Pace 4: For above average medical needs. Experience comprehensive medical cover and peace of mind with Bestmed Pace 4. - [Bestmed Rhythm 2 Plan | JustMoney](https://www.justmoney.co.za/products/bestmed-pulse-1-more-than-r-10-501-pm/): The Bestmed Rhythm 2 Plan offers income-based, network-driven healthcare for younger, healthier members who want quality cover without the complexity of savings accounts. - [Bestmed Pulse 1: R0 - R6 300 p.m. | JustMoney](https://www.justmoney.co.za/products/bestmed-pulse-1-r-0-r-6-300-pm/): Discover Bestmed Pulse 1 Plan: Your Ultimate Guide! Dive into the details of this comprehensive health insurance option and secure your peace of mind today. - [Bestmed Pulse 1 R6 301 - R10 500 p.m. | JustMoney](https://www.justmoney.co.za/products/bestmed-pulse-1-r-6-301-r-10-500-pm/): Secure Your Health with Bestmed Pulse 1! Find Affordable Medical Aid Options at Just Money. Get Comprehensive Coverage for Peace of Mind. Enroll Now! - [Bidvest Bank Account | JustMoney](https://www.justmoney.co.za/products/bidvest-bank-account/): Learn more about the Bidvest Bank Account including the fees, income needed and rewards and benefits. Find the best bank account for your needs. - [Bidvest Call Account | JustMoney](https://www.justmoney.co.za/products/bidvest-call-account/): Save and earn interest while having access to your money with the Bidvest Call Account. Learn more about how this account works and you could apply today. - [Bidvest Fixed Deposit Account | JustMoney](https://www.justmoney.co.za/products/bidvest-fixed-deposit-account/): Earn more interest with the Bidvest Fixed Deposit Account. Find out about the interest you can receive and the money you can earn now. - [Bidvest Notice Account | JustMoney](https://www.justmoney.co.za/products/bidvest-notice-account/): Looking to grow your savings? Learn about the Bidvest Notice Account, offering competitive interest rates and flexible access to your money. - [Blue Bean Classic Credit Card | JustMoney](https://www.justmoney.co.za/products/blue-bean-classic-credit-card/): Do you know about the Blue Bean Classic Credit Card? If you want to know more about the fees and rewards of this card you can find all the information here. - [Blue Bean Gold Credit Card | JustMoney](https://www.justmoney.co.za/products/blue-bean-gold-credit-card/): Want to know more about the Blue Bean Gold Credit Card? We break down all of the fees, costs and rewards that you can get with Blue Bean here. - [Blue Bean Premium Credit Card | JustMoney](https://www.justmoney.co.za/products/blue-bean-premium-credit-card/): Blue Bean Premium Credit Card: Learn more about the premium benefits and rewards offered with the Blue Bean Premium Credit Card. - [Capfin Personal Loan | JustMoney ](https://www.justmoney.co.za/products/capfin-personal-loan/): Apply for a Capfin personal loan of up to R50,000 with repayment terms of 6 to 24 months. Fixed rates, fast approval, and funds within 48 hours. Learn more via JustMoney. - [Capitec Credit Card | JustMoney](https://www.justmoney.co.za/products/capitec-credit-card/): Discover the Capitec Credit Card on JustMoney. Enjoy flexible credit limits, competitive rates, and convenient payment options - [Capitec Global 1 Account | JustMoney](https://www.justmoney.co.za/products/capitec-global-1-account/): Discover the Capitec Global One Account, offering convenient banking, credit, and savings solutions in one account tailored for your financial goals. - [Capitec Personal Loan: Everything You Need to Know | JustMoney](https://www.justmoney.co.za/products/capitec-personal-loan/): Capitec personal loan guide: see interest rates, fees, repayment terms and eligibility. Make informed decisions before applying for credit. - [DirectAxis Personal Loan | JustMoney](https://www.justmoney.co.za/products/directaxis-personal-loan/): Learn about DirectAxis personal loans in South Africa, including interest rates, fees, debt consolidation, benefits and how to apply for up to R350,000. - [Discovery Card Blue Credit Card | JustMoney](https://www.justmoney.co.za/products/discovery-card-blue-credit-card/): Discover the Discovery Card Blue Credit Card and find out now if you qualify. Learn more so you can start swiping and get your rewards with Discovery Blue. - [Discovery Card Gold Credit Card | JustMoney](https://www.justmoney.co.za/products/discovery-card-gold-credit-card/): Discovery Bank Gold Credit Card: R115 p/m bundle, income R100k–R350k, 55-day interest-free, dynamic rates, Vitality cash back, and free travel insurance. Apply now. - [Discovery Card Platinum Credit Card | JustMoney](https://www.justmoney.co.za/products/discovery-card-platinum-credit-card/): Looking into a Discovery Card Platinum Credit Card? If you want to know all the fees, costs and rewards information you can find it here. Apply today! - [FNB 32 Day Flexi Notice account | JustMoney](https://www.justmoney.co.za/products/fnb-32-day-flexi-notice/): The FNB 32 Day Flexi Notice account is a great way to save, with no monthly fees to worry about. Here’s what you should know about this popular savings option. - [FNB 7 Day Notice Account - Savings with interest | JustMoney](https://www.justmoney.co.za/products/fnb-7-day-notice/): Access your savings after 7 days' notice, and reinvest or transfer your interest to another account. Learn more about this FNB account and start saving today. - [FNB Easy Account: Fees, Features and Benefits | JustMoney](https://www.justmoney.co.za/products/fnb-easy-account/): The FNB Easy Smart account has given way to FNB Easy Bundle, offering even better value than its predecessor. Here’s the lowdown on this user-friendly account. - [ FNB Fusion Aspire Account 2026 | JustMoney](https://www.justmoney.co.za/products/fnb-gold-cheque-account/): Discover FNB Fusion Aspire features, fees, and benefits. Enjoy R120/month for unlimited transactions, free ATM withdrawals up to R2,000, and eBucks rewards. - [FNB Aspire (Previously Gold Credit Card) | JustMoney](https://www.justmoney.co.za/products/fnb-gold-credit-card/): Make your money go further with the FNB Gold Credit Card. 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