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In South Africa, personal loans and stokvels represent two distinct yet significant components of the country’s financial landscape. While personal loans are formal credit products regulated by national legislation, stokvels are informal savings and investment groups deeply rooted in South…
The recent decision by the South African government to scrap the planned Value-Added Tax (VAT) hike has sparked considerable discussion about its potential impact on consumers, particularly those grappling with debt. VAT, a consumption tax levied on goods and services,…
Entering debt review can be a significant decision for individuals struggling with overwhelming debt in South Africa. This process, designed to assist consumers in managing their financial obligations, offers both advantages and disadvantages. Understanding these pros and cons is crucial…
Lettuce loans had planned to publish a comprehensive blog on the effects and potential consequences of South Africa’s Annual National budget on Credit Consumers in South Africa which was scheduled to be delivered by the Finance Minister on Wednesday, 19…
Lifestyle inflation, often referred to as “lifestyle creep,” is a phenomenon that occurs when individuals increase their spending as their income rises. While it may seem natural to upgrade one’s lifestyle in response to increased earnings, this tendency can lead…
As South Africa navigates the complexities of its economic landscape, the current interest rate cutting cycle presents a unique opportunity for consumers and businesses alike. With the South African Reserve Bank (SARB) adjusting interest rates to stimulate economic growth, understanding…
Navigating the world of credit can be a complex journey, especially when external influences, such as peer pressure, come into play. While credit can be a powerful tool for achieving financial goals, it can also lead to significant consequences if…
Navigating financial distress can be a challenging experience, especially when it comes to managing debts and obligations to credit providers. Whether you’re facing unexpected expenses, job loss, or other financial hardships, it’s crucial to remember that you have options. One…
Maintaining Discipline: Avoid Excessive Credit to Fund Black Friday Deals. The holiday shopping season leaves many consumers excited about the prospect of finding unbeatable deals. Black Friday, in particular, has become synonymous with aggressive marketing and immense discounts, promising consumers…
The Essentials of Personal Budgeting in South Africa: Your Path to Financial Freedom In today’s fast-paced world, personal budgeting has become an indispensable skill, especially in South Africa, where economic fluctuations can significantly impact one’s financial stability. Whether you’re trying…
