Money

Self-check · 3 min

Bond Readiness Score

Shows how ready you are to apply for a home loan, and which areas a bank is likely to look at before saying yes.

Self-check · 3 min

Couples Money Check

Helps couples see where money is working well between them and where it causes strain, with steps to talk about it.

Self-check · 2 min

Credit Health Quiz

Checks the habits that shape your credit record and whether you know how to read and protect it.

Self-check · 3 min

Debt Prescription Self-Check

Helps you work out whether an old debt a collector is chasing might have prescribed, what to check before you pay anything, and when to get legal help. It cannot tell you that a debt has prescribed: only a legal professional or a court can do that.

Self-check · 2 min

Debt Stress Assessment

Shows how much pressure your debt is putting on you and which kind of help fits best: learning and a repayment plan, a money coach, or an NCR-registered debt counsellor.

Self-check · 2 min

Financial Stress + Mental Health Check

Looks at two things together: how much money pressure you are under and how much it is affecting your mind. It can connect you to a money professional, a counsellor, or both.

Self-check · 4 min

Financial Wellness Score

A 3 to 4 minute snapshot of your whole money picture across 11 areas, with a score out of 100, your strongest area and the one area to work on first.

Self-check · 2 min

Insurance Needs Check

Finds possible gaps and overlaps in your cover, so you protect the people who depend on you without paying for things you do not need.

Self-check · 4 min

Investor Readiness Quiz

Checks whether your money foundations are in place before you invest, how comfortable you are with ups and downs, and which general types of investment are worth learning about for your time frame. It does not recommend any product.

Self-check · 2 min

Is Debt Review Right for Me?

Helps you understand whether debt review under the National Credit Act might suit you, or whether another option could fit better, before you talk to an NCR-registered debt counsellor.

Self-check · 1 min

Is This a Scam?

Checks a message, call, offer or investment against the most common scam warning signs in South Africa, before you pay or share anything.

Self-check · 4 min

Kids Money Quiz

A light quiz for a parent or caregiver to do with a child, showing what the child already understands about money and one activity to try together this week.

Self-check · 3 min

Retirement Readiness Score

Checks whether your retirement saving habits and knowledge are on track, and what to do next at your age.

Self-check · 3 min

Short-Term Loan Risk Check

Before you take a loan from a mashonisa or payday lender, shows what the loan really costs you and checks for warning signs, including things that are illegal, like a lender keeping your bank card, ID or SASSA card.

Self-check · 3 min

Stokvel Safety Check

Checks your stokvel against good practice (written rules, a bank account in the stokvel's name with more than one signatory, clear records) and the warning signs of a pyramid or Ponzi scheme dressed up as a stokvel.

Money and mind · 4 min

Financial Stress: Is Money Affecting Your Mental Health?

How money worry shows up in your sleep, mood and relationships, and what helps.

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Money and mind · 4 min

My Financial Wellness Plan: From Surviving to Building Wealth

Find your stage on the financial wellness ladder and your next best step.

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Money and mind · 2 min

What financial wellness means

Financial wellness is about feeling secure and in control of money, not about how much you earn.

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Money and mind · 2 min

The money-stress and mental-health link

Money stress and mental health feed each other in a cycle - understanding the link is the first step to breaking it.

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Money and mind · 2 min

Financial planning after gambling harm

Guidance for members rebuilding their finances after gambling has caused harm, with practical steps and support pathways.

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Budgeting and everyday money · 4 min

Where Does My Salary Actually Go?

Understand your payslip deductions and track where your take-home pay disappears.

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Budgeting and everyday money · 4 min

Build a Budget That Actually Works in South Africa

A step-by-step budget that fits real SA life, including family support and irregular costs.

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Budgeting and everyday money · 4 min

How to Reduce Your Grocery Bill Without Eating Badly

Practical ways to cut grocery spending in SA while keeping meals healthy and filling.

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Budgeting and everyday money · 4 min

Surviving Januworry Without Borrowing

How to plan for December spending and get through a long January without loans.

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Budgeting and everyday money · 2 min

Budgeting basics that actually work

A realistic, flexible budget can lower financial anxiety more than a strict one that's impossible to stick to.

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Budgeting and everyday money · 2 min

Retrenchment and income shock

Retrenchment is a genuine loss, not just a financial event, and grieving it while planning practically are both part of coping.

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Budgeting and everyday money · 2 min

Managing money on an irregular income

Managing an irregular income takes a different approach to budgeting, built around a baseline and a buffer rather than a fixed monthly figure.

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Savings and emergencies · 4 min

How Much Emergency Money Should I Have?

How much to keep aside for emergencies, where to keep it, and how to start from almost nothing.

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Savings and emergencies · 4 min

Stokvels: How to Use Them Safely

How to run or join a stokvel safely, with clear rules, records and bank accounts.

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Savings and emergencies · 2 min

Emergency savings: starting small

Even a small emergency fund can meaningfully lower financial anxiety, and it's built one small, consistent deposit at a time.

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Debt · 4 min

Am I Over-Indebted?

The signs of over-indebtedness under SA law, and the options open to you.

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Debt · 4 min

Debt Review: What It Is, How It Works and Who It Is For

How debt review works under the National Credit Act, what it costs, and who it suits.

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Debt · 4 min

Debt Review vs Consolidation Loan vs Paying It Yourself

Compare debt review, a consolidation loan and your own repayment plan side by side.

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Debt · 4 min · Premium

Debt Snowball vs Debt Avalanche

Two proven ways to pay off debt faster, and how to pick the one you will stick to.

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Debt · 4 min

Prescribed Debt: What South Africans Should Know

When old debts prescribe in SA, what interrupts prescription, and what to do.

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Debt · 4 min

Before You Take a Mashonisa or Payday Loan

The real cost and risks of payday loans and mashonisas, your rights, and safer options.

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Debt · 2 min

Understanding debt and how it grows

Understanding how interest and fees compound can help you see debt clearly instead of fearfully.

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Debt · 2 min

Getting out of the debt spiral

Breaking a debt spiral starts with one honest look at the numbers and one small, doable first step.

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Debt · 2 min

Debt review vs debt consolidation in SA

Debt review and debt consolidation solve different problems - knowing which fits your situation can save you from a costly mistake.

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Debt · 2 min

Where to get free financial counselling

Where South African members can access free, reliable financial counselling and support when money worries feel overwhelming.

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Credit · 4 min

How to Read Your Credit Report

What is on your credit report, how to get it free and how to dispute mistakes.

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Credit · 4 min

What Is a Good Credit Score in South Africa?

What credit scores mean in SA, why they differ by bureau and what lenders look at.

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Credit · 4 min · Premium

How to Improve Your Credit Score: A 90-Day Plan

A realistic 90-day plan to start repairing your credit record, month by month.

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Credit · 4 min

Understanding Interest: What That Loan Really Costs You

How interest, fees and credit life insurance add up, and how to compare loans properly.

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Credit · 2 min

Payday loans and their dangers

Payday and short-term loans can offer fast relief but often carry very high costs that deepen financial strain.

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Credit · 2 min

Credit scores and how to improve them

A clear explanation of what a credit score is in South Africa and practical steps members can take to improve it over time.

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Consumer rights and protection · 4 min

Your Rights When Debt Collectors Contact You

What debt collectors may and may not do in SA, and how to respond or complain.

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Consumer rights and protection · 4 min

Scams, Ponzi Schemes and Investment Fraud

How to spot scams, Ponzi schemes and fake investments, and what to do if caught.

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Consumer rights and protection · 2 min

Avoiding scams and financial fraud

How to recognise common financial scams targeting South Africans and practical steps to protect yourself and loved ones.

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Cars and homes · 4 min · Premium

Car Finance: What Can I Really Afford?

The true monthly cost of a financed car in SA, and the balloon payment trap.

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Cars and homes · 4 min · Premium

Home Loan Readiness

What banks look for in a home loan, the hidden costs of buying, and how to get ready.

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Cars and homes · 4 min · Premium

Rent or Buy?

Compare the real costs of renting and buying in SA, beyond the 'dead money' myth.

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Insurance and protection · 4 min

Understanding Insurance: Life, Funeral, Car and Household Cover

The main types of insurance explained, what each covers, and common gaps.

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Insurance and protection · 4 min · Premium

Do I Have Enough Life Cover?

A simple needs-based way to work out how much life cover your family needs.

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Insurance and protection · 4 min

Funeral Costs and Funeral Policies

How funeral policies work, what to check, and how to plan a dignified, affordable funeral.

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Insurance and protection · 2 min

Funeral cover and policies in SA

A plain-language guide to how funeral cover works in South Africa and how to choose a policy that actually pays out.

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Retirement · 4 min · Premium

Retirement: Am I Saving Enough?

How much you need to retire in SA, how to check if you are on track, and how to catch up.

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Retirement · 4 min

Pension, Provident Fund and Retirement Annuity Explained

The main SA retirement products and the two-pot system, in plain language.

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Retirement · 2 min

Retirement and later-life planning

A guide to thinking through retirement and later-life planning in South Africa, covering finances, purpose and wellbeing.

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Wills, trusts and estates · 4 min

Wills: What Happens If I Die Without One?

What happens to your estate without a will, and how to make a valid will in SA.

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Wills, trusts and estates · 4 min

Trusts Explained Simply: When Do You Actually Need One?

What a trust is, the two main types, and when a trust is worth the cost.

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Wills, trusts and estates · 4 min · Premium

Estate Planning for Ordinary South African Families

A practical estate plan for everyday families: will, cover, documents and liquidity.

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Family and money · 4 min

Marriage and Money: Joint Goals, Debt and Financial Conflict

Marital regimes, shared debt and how to talk about money as a couple.

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Family and money · 4 min

Black Tax, Family Support and Healthy Financial Boundaries

How to support family without sinking yourself, and how to say not now with love.

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Family and money · 4 min

Teaching Children About Money

Age-by-age ways to teach children about saving, spending, giving and debt.

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Family and money · 2 min

Talking about money with your partner

Honest, regular money conversations with a partner reduce conflict far more than avoiding the topic ever does.

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Family and money · 2 min

Financial abuse in relationships

Financial abuse is a form of control that can be hard to recognise, but it is real abuse and support is available.

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Family and money · 2 min

Teaching children about money

Practical, age-appropriate ways South African parents can teach children healthy money habits and financial confidence.

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Family and money · 5 min

Navigating Black Tax: Family Obligations, Financial Boundaries, and Building Wealth

Being the one who made it can mean supporting everyone around you, and there are ways to help your family without giving up your own future.

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Investing and growing · 4 min · Premium

Starting to Invest: From R100 to Long-Term Wealth

How to start investing in SA, including tax-free savings accounts, with small amounts.

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Investing and growing · 2 min

Sudden wealth and lump sums

A sudden lump sum, whether from an inheritance, payout or bonus, deserves a pause before big decisions, not just excitement.

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