Follow this strategy to get out of debt on a low income
Want to know how? This is how. Getting out of debt on a low income can be challenging, but there are tools that anyone can use to get out of debt.| My Debt Hero
Want to know how? This is how. Getting out of debt on a low income can be challenging, but there are tools that anyone can use to get out of debt.| My Debt Hero
Find out what debt management is, how it works, and what types of debt management you can leverage to improve your finances.| My Debt Hero
Debt consolidation can simplify debt and reduce costs. But what is exactly, and are loans the only way to consolidate debt? Here’s what you need to know.| My Debt Hero
Getting a loan with a low credit score in South Africa is harder but not impossible. Find out how to get a personal loan with a low credit score.| My Debt Hero
Ever think about starting a side hustle right here in South Africa? This list of categories and side hustle ideas can help you get started today.| My Debt Hero
Refinancing a car could potentially save money or introduce other benefits. Here’s how to refinance your car. Step by step.| My Debt Hero
Tax-free savings accounts are awesome! But how do tax-free savings accounts work? Get to know the ins and outs and make the most of your TFSA.| My Debt Hero
Try our quick assessment to see if you qualify for a lower monthly debt instalment, legal protection against creditors, and one simplified monthly instalment.| My Debt Hero
Looking for the best car insurance in South Africa? Here are the top 10 insurers ranked by value, reputation, and service (+ a list of the cheapest options). The post Best car insurance in South Africa (Top 10 in 2025) appeared first on My Debt Hero.| My Debt Hero
Need extra funds? Learn how a second bond on your house works, when to apply, and how it compares to refinancing or equity access. The post Taking out a second bond on your house? (Read this first) appeared first on My Debt Hero.| My Debt Hero
Want to make R500 to R1000 a day in South Africa online? Here are 6 legit ways to make money online that actually work for most South Africans. The post How to make R500 to R1,000 a day online in South Africa appeared first on My Debt Hero.| My Debt Hero
Want to buy a car on finance? Here’s how to qualify for car finance in South Africa with the minimum salary, minimum credit score, and paperwork.| My Debt Hero
Get South Africa’s best personal budget templates to start managing your budget like a pro. These easy-to-follow templates work for everyone.| My Debt Hero
How much do you need to retire in South Africa? Find out how to calculate it, plan ahead, and avoid running out of money later. The post Harsh truth: How much do you need to retire in South Africa? appeared first on My Debt Hero.| My Debt Hero
Debt mediation offers flexibility, but no legal backup. See why most South Africans choose debt review instead. The post What is debt mediation? (+ Debt mediation vs debt review) appeared first on My Debt Hero.| My Debt Hero
Want to buy a home? Learn how home loan pre-approval works and why it’s the smartest first step before house hunting. The post Home loan pre-approval (What it is + why it matters) appeared first on My Debt Hero.| My Debt Hero
Can’t afford your personal loan? Find out what to do, what to avoid, and the best options to take control of your debt situation fast.| My Debt Hero
The National Credit Act is the go-to piece of legislation for disputes related to credit and debt. Here are your rights and what you need to know about the NCA.| My Debt Hero
Your debt— our problem. We help South Africans struggling to keep up with their debt to reduce monthly instalments and protect their assets and credit.| My Debt Hero
Ever hear about PayShap? Here’s what it is, how it works, and why South Africans are using it to send money instantly with just a phone number. The post What is PayShap and how does it work? (Quick guide) appeared first on My Debt Hero.| My Debt Hero
Ready to buy property after debt review? Here's how long you need to wait — and how to boost your chances of getting that home loan. The post How long after debt review can I buy a house? (Answered) appeared first on My Debt Hero.| My Debt Hero
Selling property or shares? SARS takes capital gains tax. Here are the 2025/2026 rates, real examples, key exemptions, and expert tax-saving tips. The post How much is capital gains tax in South Africa in 2025? appeared first on My Debt Hero.| My Debt Hero
There’s a lot that can go wrong when debt review is terminated. Learn what happens, how to avoid legal trouble, and the right way to exit.| My Debt Hero
Being ‘blacklisted’ is no fun at all! Here’s how to find out and check whether you are blacklisted in South Africa. It’s really easy.| My Debt Hero
Can’t afford your car payments? Read this post to learn how car repossession works and how to protect yourself against vehicle repossession.| My Debt Hero
Getting blacklisted or being blacklisted in South Africa has a more significant impact than some of us realise. Here’s what you need to know.| My Debt Hero
Looking for a way to get out of debt in South Africa? You’re in luck. Here, we list five ways to pay off loans faster and get out of debt sooner.| My Debt Hero
Thinking of getting a credit card but wondering what the minimum credit score is to get a credit card in South Africa? Here’s everything you should know.| My Debt Hero
Find out how long debt review lasts and stays on your name. Plus where to check if your name is under debt review. Check out the answer.| My Debt Hero
Getting a clearance certificate is a wonderful thing. It’s a sign that the recipient is no longer over-indebted. It marks the end of debt review—here’s how it works.| My Debt Hero
Sequestration is a legal process that kicks off when someone is declared insolvent. Here’s how it works, and how to avoid it.| My Debt Hero
Is your credit score good or bad?! Find out which credit scores are considered good, average, and bad in South Africa — with examples.| My Debt Hero
What is the difference between debt review and debt counselling? Find out how these two terms compare to choose the best debt solution.| My Debt Hero
Want to see all of the debt counselling fees to get an idea of how much debt counselling costs? Look no further here’s a full fee list with explanations.| My Debt Hero
Want to boost your pay? Check out the highest-paying jobs in South Africa, broken down by industry and entry-level to senior salary.| My Debt Hero
Set your future self up for success by learning the best way to save money in South Africa. Use these three steps to start accelerating your savings today.| My Debt Hero
Life cover vs funeral cover — what's the difference? Learn how each works, pros, cons, and which is right for your needs and budget. The post Life cover vs funeral cover (This is the real difference) appeared first on My Debt Hero.| My Debt Hero
Default judgments can do a lot of harm. Learn what a default judgement is, how it affects your credit, and how to remove it from your report in South Africa. The post What is a default judgment and how does it work? appeared first on My Debt Hero.| My Debt Hero
Managing money as a couple? A joint account can help. Learn how joint bank accounts work in South Africa, how to open one, and which bank to pick. The post Joint bank account South Africa (what you need to know) appeared first on My Debt Hero.| My Debt Hero
You may be surprised to learn how debt review affects credit scores. There is a misconception that it's a bad thing. Before you decide—read this first.| My Debt Hero
Want to use the value of your property to take out a new loan or buy another? Here’s what you need to know about loans against property in South Africa. The post How loans against property work in South Africa appeared first on My Debt Hero.| My Debt Hero
With the power of compound interest, a small investment can grow into a big sum of money. Here’s how it works. Plus, a list of investments you could try. The post Investments that earn compound interest in South Africa appeared first on My Debt Hero.| My Debt Hero
Having a good credit record is important. It makes it easier and more affordable to get credit. Here’s how to clear your credit record and boost your credit score. The post How to clear your credit record (+ how long it’ll take) appeared first on My Debt Hero.| My Debt Hero
A home loan is a simple concept. It is a loan you use to buy a house. But, there’s more to it. Here’s exactly how home loans work in South Africa.| My Debt Hero
Find out what debt counselling is, how it helps over indebted individuals, who regulates the process, and why it works — all in this post.| My Debt Hero
A Section 129 Notice (or Letter of Demand) is the first sign that creditors or debt collectors want to take you to court. Here’s what you need to know.| My Debt Hero
Curious about the details of the debt review process? This post covers how debt review (debt counselling) works in a way you’ll easily understand.| My Debt Hero
The debt collection process can be brutal if you’re unfamiliar with the steps. Find out how debt collection works so you can protect yourself and your assets.| My Debt Hero
Learn more about debt-related topics like debt management, debt counselling or review and other helpful personal finance topics like credit, saving, and more.| My Debt Hero
Getting a summons for debt is serious. It’s confusing and a little scary. Here’s what you need to do when you get a summons for debt in South Africa.| My Debt Hero
Learn how to build a strong credit score with our simple checklist. Follow our expert tips and improve your credit today!| My Debt Hero
You may have heard about Debt review already, it is often promoted as one of the best ways to overcome debt — but what is debt review really?| My Debt Hero
Learn more about debt counsellors. Find out what a debt counsellor is, what they do, who regulates them and whether it is safe to work with them.| My Debt Hero
Everything has its pros and cons, and debt review is no different. Let’s check out the disadvantages of debt review and why not apply.| My Debt Hero
Better savings accounts equal higher returns on the money in your bank. Here are the best savings accounts and interest rates in South Africa.| My Debt Hero
Master your budgeting and finances - start by learning more about personal budgeting and how to really make your budget work.| My Debt Hero
Knowing the tax-free savings account rules can make or break the return on your savings. Learn how to maximise your tax-savings today.| My Debt Hero
Looking for a loan, but not sure whether you’ll qualify? Your credit score plays a big role. Let’s find out what credit score you need to qualify for a loan.| My Debt Hero
Both debt review and blacklisting have an impact on credit access. But for different reasons, and in very different ways—here’s what you should know.| My Debt Hero
Do you know how credit cards work? Interest, minimum payments, the qualifying criteria… there’s more to it than we realise. Here’s what you need to know.| My Debt Hero
There are a lot of misconceptions about how debt review affects credit scores. But, getting credit after debt review may be easier than you think—here’s why.| My Debt Hero
What does it mean to be declared insolvent? Insolvency isn’t the only option. Find out how declaring insolvency works and whether there are any real benefits.| My Debt Hero
Losing your job doesn’t have to be the end of the line. There are smart ways to overcome unemployment and deal with job loss. Here’s how to do it…| My Debt Hero
Banks offer overdrafts, which can be helpful. But overdrafts aren’t free. So, it’s important to understand what an overdraft is, and how much it can cost.| My Debt Hero
Garnishee orders are a serious way for creditors to collect outstanding debt. Which makes it bad news for anyone with debt. Here’s what you need to know.| My Debt Hero
