Blog
Debt
Plain-language guides to loans, credit, interest rates and paying down what you owe.
Budgeting · October 7, 2026
The South African Money Quiz: how does your money compare?
A 60-second score out of 100, compared with published South African savings, debt, and retirement figures. Why the quiz will not invent a percentile, and a worked example that scores 67/100.
Budgeting · October 5, 2026
Can I actually afford this?
The price on the tag is not the cost of saying yes. See a South African example in rands, why a repayment that fits can still be expensive, and a free calculator for your own quote.
Budgeting · October 2, 2026
Can I afford this car in South Africa?
The debit order is not the cost of the car. See a South African example in rands, why 72 months hides interest, and a free calculator for your own quote.
Housing · October 1, 2026
Should I invest or pay off my home loan?
A practical South African guide to putting extra money into your bond or investing it. Compare the after-fee return with your bond rate, then run your own rands in the free calculator.
Debt · September 24, 2026
SA interest rate hike: what 0.25% means for your bond, car, and budget
Repo moved to 7.25% and prime to 10.75%. See illustrative bond bumps, what else reprices, why fuel and inflation matter, and a free calculator for your own balance.
Debt · May 12, 2025
Debt Restructuring: What It Is, Why It Matters, and How to Do It
A practical South Africa guide to debt restructuring and debt counselling context: what it solves, how to approach lenders calmly, and when to use a payoff calculator. Not legal advice.
