How To Keep Your Head Above Water

Saving for a rainy day was something our parents and grandparents told us as we were growing up. However, back then it didn’t seem to apply to use. That was the stuff the grown-ups had to worry about. Fast forward a few years, and we are now the grown-ups. Adult life soon proves that saving […]

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Breaking Bad Money Habits

Developing bad spending habits can affect your financial future. Like any habits, they are hard to break. However, with some careful planning and conscious decision-making, it is possible to change your spending habits. This will improve your financial outlook. Many people who manage to live on their salaries think they’ve got their finances under control. […]

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Pros and Cons of Being a Co-signer on a Loan

Whenever you apply for credit, be it through a bank or through a loan company, your credit history is going to be checked. If it is found that you have a bad credit history, or no credit history at all the loan application may be turned down. This scenario is quite common for younger people […]

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What are the benefits of applying for a personal loan online?

Need cash in a hurry? Online loan applications are easier than ever. In the past, applying for a personal loan was an intimidating process. Generally, you would go to the bank manager and plead your case, cap in hand. Thankfully, things have changed dramatically. It is now possible to apply to one of the many […]

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Good Idea: Get A Personal Loan For Provisional Tax Payments?

If you do not get a regular salary from your company than you probably have to pay provisional tax. The idea of provisional tax is that you pay the tax in advance so you do not have an overwhelming tax bill at the end of each tax year. Salaried employees pay PAYE or Pay as […]

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Personal Loans vs Credit Cards

Living debt free is extremely challenging for most South Africans and credits cards and personal loans are extremely useful. They are, however, very different and it is important to understand the difference. This way you will know the best time to use them and these and make better-informed decisions. This will save you money.

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What happens when friends lend to friends

A loan can very easily come between even the best of friends. Lending money to a friend can lead to a tricky situation where if anything were to go wrong it could drive a wedge between you and your friend and quite possibly end the relationship. As the person is your friend it can be […]

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Pros and Cons using a Personal Loan vs getting Vehicle Finance to purchase a car

Can I make use of a Personal Loan for Vehicle Finance? Many people needing to finance a vehicle wonder if they can use a personal loan to finance their vehicle. The simple answer is yes, you can. Provided you qualify for a personal loan, the money will be deposited into your bank account and you […]

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Can personal loans hurt your credit score?

Do you need a personal loan but do not want a bad credit score? Here is how you can do that. There may come a time when you need some extra cash to assist with your personal finances or when making an expansive purchase. Securing a personal loan allows you to borrow money without collateral. […]

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Will a personal loan affect my taxes?

A normal personal loan will not affect your tax in any way. You receive the loan but it is not deemed as income. You pay it back over the term of the loan and there are no tax implications.

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