Articles

Repo vs Prime Rate: What Actually Changes Your Loan Repayment

Understand how rate changes can flow through to retail loan repayments.

Last updated: 2025-12-08

Bond Repayments Explained: How the Monthly Payment Is Calculated

Amortisation explained + how to interpret monthly repayments.

Last updated: 2025-12-08

VAT in South Africa: Inclusive vs Exclusive Pricing (Plain Language Guide)

Avoid pricing confusion with inclusive vs exclusive VAT.

Last updated: 2025-12-08

Inflation (CPI) Explained: Why Your Money Buys Less Over Time

See how inflation erodes purchasing power over time.

Last updated: 2025-12-08

Compound Interest: A Simple Way to Understand Savings Growth

Plain-language compounding + consistent saving habits.

Last updated: 2025-12-08

Exchange Rates Basics: Spreads, Fees, and Why Your Bank Rate Differs

Spreads, fees, and why bank rates differ from headlines.

Last updated: 2025-12-08

The Budget Buffer: A Practical Rule for Safer Monthly Planning

A practical buffer rule for safer monthly planning.

Last updated: 2025-12-08

What If Rates Rise? A Scenario Method for Stress-Testing Your Budget

Stress-test your budget with simple “what-if” scenarios.

Last updated: 2025-12-08

Bigger Deposit vs Longer Term: Which Reduces Total Interest More?

Compare bigger deposit vs longer term using total interest logic.

Last updated: 2025-12-08

Extra Payments on a Loan: How Small Overpayments Can Shorten Your Term

How overpayments can shorten term and reduce interest.

Last updated: 2025-12-08

Fixed vs Variable Interest: A Plain-Language Decision Checklist

Decision checklist for choosing rate types.

Last updated: 2025-12-08

Loan Fees & Hidden Costs: What to Ask Before You Sign

Fees and hidden costs to ask about up front.

Last updated: 2025-12-08

Rent vs Buy: A Simple Framework to Compare Costs (No Hype)

A no-hype framework for comparing rent vs buy.

Last updated: 2025-12-08

Credit Score Basics in South Africa: What Actually Helps

What helps and hurts — in simple terms.

Last updated: 2025-12-08

Emergency Fund 101: Building a Safety Net Without Overthinking

Build a safety net without overthinking.

Last updated: 2025-12-08

Simple Budget Rules: 50/30/20 and a South Africa-Friendly Variation

Budget rules and a local-friendly variation.

Last updated: 2025-12-08

VAT Invoice Checklist: What to Include for Cleaner Records

Invoice checklist for clearer records.

Last updated: 2025-12-08

Savings Rate: How Much Should You Save Each Month?

Pick a sustainable monthly savings rate.

Last updated: 2025-12-08

Cashflow Calendar: A Practical Tool for Uneven Expenses

Plan uneven expenses with sinking funds.

Last updated: 2025-12-08

Interest-Only vs Amortising Loans: What the Risk Really Is

Interest-only risks explained clearly.

Last updated: 2025-12-08