Finance

December is meant to be a time to rest, spend time with family and enjoy the festive season, but for many South Africans, it can also be one of the most expensive months of the year. Between Christmas gifts, groceries, travel, family gatherings, December outings and the expenses waiting in January, it is easy for a modest [...]

South Africans who use Buy Now, Pay Later services such as PayJustNow are set to see a major change to the way their payment behaviour is reflected on their credit profiles from February 2027. The National Credit Regulator (NCR) has instructed BNPL providers to report consumers’ payment behaviour to credit bureaus, meaning the way customers manage their [...]

Asking for more money at work can feel uncomfortable, but it gets easier when you approach it with preparation and the right timing. A raise is not just about asking, it’s about showing that you’ve earned it. Here are three things to keep in mind before you have the conversation suggested by Indeed, a employment opportunities and [...]

Women’s financial independence took centre stage in Cape Town as Binance brought together a select group of female businesswomen, influencers and journalists for an intimate workshop focused on understanding cryptocurrency. Held in celebration of Women’s Month, “She Speaks Crypto” was designed as an education-first experience, giving attendees an opportunity to learn about crypto in plain language while [...]

South Africans are increasingly turning to their retirement savings to deal with financial pressure, raising concerns that money intended to support them later in life is being used to solve problems in the present. More than 2.4 million South Africans have withdrawn money from their retirement savings since the two-pot retirement system came into effect in September [...]

Millions of South Africans rely on the SASSA Social Relief of Distress (SRD) grant, as a lifeline while they are unemployed. Originally introduced during COVID-19, the grant is currently set at R370 per month and has been extended until 31 March 2027. According to SASSA, the grant is meant to provide short-term financial relief for basic needs [...]

We’re into the second half of the year. That means we have more than six months of data on our spending, saving and borrowing decisions. As we approach an expensive stretch of the year (school fees, holidays and festive-season costs are around the corner), taking an honest look at where our money has gone, measured against where [...]

For many South Africans, payday can feel like a brief moment of relief before reality sets in. Bond repayments, rent, transport, groceries and school expenses often leave little room to breathe, and with the South African Reserve Bank's repo rate sitting at 7%, borrowing remains expensive for households carrying debt. While there's no magic formula for making [...]

For many women, investing is one of those ‘I’ll get to it later’ items on life’s to-do list, somewhere after putting food on the table today, paying next month’s bills, and saving for next year’s school fees. But, delaying investing now can mean delaying your financial independence later in life. And women simply can’t afford to do [...]

Starting and running a business is often seen as a path to financial independence and personal fulfilment. Yet, the demands of entrepreneurship can be relentless, leading to burnout if not managed carefully. This is particularly relevant for South African entrepreneurs who face unique pressures such as a low economic environment, intense competition, and regulatory challenges. Joel Andrews, [...]