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Articles by Harper Banks

Taking out a student loan? First read this

Taking out a student loan? First read this

24 October 2021

If your dream career requires a tertiary education, you will have to find a way to fund your student expenses. We have a look at who should take out a student loan. 

How to “switch-and-save” on credit agreements

How to “switch-and-save” on credit agreements

21 October 2021

You may have heard about a “switch-and-save” deal on your home or car insurance. However, did you know that you can do the same with your credit agreements?

How to fund a prototype for your start-up

How to fund a prototype for your start-up

21 October 2021

It’s quite an adventure to quit your job start your own business. But this decision also comes with a lot of risk. If the concept is new, it’s best to design a prototype before you jump into the deep end.

How to handle a call from a debt collector

How to handle a call from a debt collector

19 October 2021

If you don’t keep to your debt obligations, your credit provider will reach out to their collections department, or partner, and request that a debt collector call you. We briefly look at how debt collectors work, and how you should handl...

How to qualify for a grant in South Africa

How to qualify for a grant in South Africa

18 October 2021

There are numerous social grants available in South Africa. We have a look at why social grants are important, and we detail which grants are available and how you can qualify for them.

Should you authorise a minor on your credit card?

Should you authorise a minor on your credit card?

14 October 2021

If you have children who need to move around independently, it may be practical to authorize them as users on your credit card. However, is this the right thing to do?

How to reduce your risk of identity theft

How to reduce your risk of identity theft

12 October 2021

Imagine your friend is a victim of identity fraud. We have a look at what this entails, and we find out what you can do to avoid getting into this situation yourself.

Prevent your home from being repossessed

Prevent your home from being repossessed

7 October 2021

When you take out a home loan, you don’t intend to falter on your monthly repayments. However, the unthinkable may happen and you’ll have to find a way forward.

Why you should keep your home for at least five years

Why you should keep your home for at least five years

6 October 2021

You spent months searching for the ideal house, and then bought it. But when you have to sell, what's considered too soon?

What if a business encourages cash payments?

What if a business encourages cash payments?

5 October 2021

A business tells you that you will receive a discount if you choose to pay with cash. We consider the reasons certain businesses do this.

Do minors who earn an income have to pay taxes?

Do minors who earn an income have to pay taxes?

3 October 2021

There are a select few minors who manage to earn an income. This may be through acting in local television shows, or by earning ad revenue on a YouTube channel. In either case, what does this mean when it comes to taxes?

Why a shift to freelancing appeals to 80% of South Africans

Why a shift to freelancing appeals to 80% of South Africans

29 September 2021

It’s easy to imagine that with the rise of Covid-19, many employees lost their jobs in South Africa and started freelancing. However, a shift to freelancing already emerged prior to the pandemic.

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