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Expert Articles to Help You Understand Your Finances

Debt Sage’s experts regularly write on topics like debt and credit tips, unpacking new financial products, the latest news that could affect your finances, and other personal finance advice. Our articles are free to read and share.

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Financial Stress and its Causes

Financial Stress and its Causes

Financial stress is the emotional or physical outcome that one suffers when they are worried about the state of their finances. Financial stress can affect someone’s mental and physical health.

16 August 2024 | 4 min read
Debt Review Removal

Debt Review Removal

Debt review removal involves a process where a debt counsellor issues a clearance certificate to a consumer who has completed paying off their debts.

25 July 2024 | 5 min read
Why Set Financial Goals?

Why Set Financial Goals?

Financial success is the result of intentional planning and disciplined execution. One of the key pillars of financial planning is setting clear and achievable financial goals.

18 July 2024 | 3 min read
What is a Credit Score and How is it Calculated?

What is a Credit Score and How is it Calculated?

A credit score is a numerical summary of your creditworthiness based on your history. Here are the factors that influence it.

20 June 2024 | 4 min read
How to Get Out of Debt

How to Get Out of Debt

Getting out of debt is not easy. It requires patience, discipline, and a plan that works. Contact our consultants to take control of your finances.

4 March 2024 | 3 min read
Why You Should Have an Emergency Fund When You Are Trying to Get Out of Debt

Why You Should Have an Emergency Fund When You Are Trying to Get Out of Debt

No-one knows what is going to happen — it's all about thinking ahead. Here is a quick guide to setting up an emergency savings fund.

5 February 2024 | 2 min read
The Risks of Buy Now, Pay Later and Role of the National Credit Act

The Risks of Buy Now, Pay Later and Role of the National Credit Act

In recent years, the Buy Now, Pay Later (BNPL) trend has gained tremendous popularity among consumers in South Africa.

28 January 2024 | 3 min read
Strategies for Paying Off Debt

Strategies for Paying Off Debt

This informative article provides an in-depth look at various debt repayment methods, including the popular debt snowball and avalanche strategies. It emphasises the importance of understanding your debt, making informed choices, and developing a personalised plan.

20 January 2024 | 6 min read
What are the Risks of a Poor Credit Score?

What are the Risks of a Poor Credit Score?

Your credit score is an estimate of how risky it would be for credit providers to loan you money. A poor score means you're unlikely to get loan offers.

8 November 2023 | 3 min read
How Do I Know When to Apply for Debt Review?

How Do I Know When to Apply for Debt Review?

If, after deducting your living expenses from your net salary, you have less cash left than what is required by your loan instalments, you may be over-indebted and in need of debt review.

6 September 2023 | 2 min read
How Does Debt Review Affect Renting Property?

How Does Debt Review Affect Renting Property?

Are you navigating the complexities of being under debt review while trying to rent a property? This comprehensive guide delves into the intricacies of this situation, offering insights and solutions.

17 August 2023 | 2 min read
How the Debt Counselling Process Works

How the Debt Counselling Process Works

Deciding to enter debt counselling (debt review) is an important step to becoming debt-free. Here is what happens during the debt counselling process.

10 August 2023 | 6 min read