Quick answer: Being self-employed does not shut you out of borrowing; it just means proving your income differently, through bank statements and business records rather than a payslip. Lenders still assess affordability and your credit…
Quick answer: Financial independence means having enough control over your own money, income, savings, credit and decisions, that your security does not rest entirely on someone else. It is not about wealth or going it…
Quick answer: To save money on a tight income, start with a budget so you can see every rand, then pay yourself first by moving a small amount to savings the moment you are paid,…
Quick answer: Credit life insurance is cover attached to a loan that pays your repayments, or settles the balance, if you die, become disabled, fall ill or lose your income. Lenders can require it on…
Quick answer: Debt consolidation means taking one new loan to pay off several existing debts, so you make a single monthly repayment instead of juggling many. It can simplify your finances and sometimes lower your…
Quick answer: Tax season is the yearly window when SARS expects individuals to submit their tax returns, usually opening mid-year with dates published on the SARS website. Gather your documents early (IRP5, medical aid and…
Quick answer: To save electricity in winter, target the two biggest users first: your geyser and your heating. Lower the geyser temperature, take shorter showers, heat only the room you are in, switch appliances off…
Quick answer: A good credit score is one high enough that lenders see you as low risk, which means easier approvals and better interest rates. The exact number depends on the bureau, since each uses…
Quick answer: Same-day loans are short-term loans that can be assessed and, if approved, paid out the same day you apply, often within hours. InstantFund is not a lender; we match your one free application…