Author Archives: Clive Harper

How to Get Out of Debt and Avoid the Debt Trap

Invest in Yourself - Dont be tricked by the debt trap

SARB cuts interest rates to 6.25% / Tips on how to tackle and overcome DEBT/ Get out of the debt trap Interest rates are relatively low currently. What does that mean for the South African individual? It simply means that if you have debt, you will be paying less, but this shouldn’t be an excuse…

How to Manage Your Debt

A female financial coach giving advice to her client on how to manage personal debt in South Africa.

Most South African’s people have bad debt. According to Paul Slot from the Debt Counselling Association, 10 Million South African’s have bad debt – this simply means they have either missed more than three or more monthly repayments and on average have a total of eight loans each. Peoples desire to want now and pay…

How to Improve and Achieve Your Financial Wellness

A woman rejoicing by raising her fists to the sky because she improved her financial wellness.

Financial wellness refers to the overall financial health of an individual or employee, learning how to manage their financial expenses. Money plays a critical role in our lives and not having enough of it impacts health as well as academic performance. Financial stress is repeatedly found to be a common source of overall stress, anxiety…