Do you want to be debt free? I know I do. About 5 years ago I came across a man name Dave Ramsay. What he had to say about getting out of debt made so much sense. Though he was talking about the USA, a lot of his techniques translate relatively well for South Africa. […]

How do you stick to your budget and get rid of debt?  In South Africa we do not have coupons to help nor do we have negotiable interest rates on credit card debt. So what can you do? Home loans and vehicle finance can apparently be negotiated to a certain extent.  The rate would depend […]