The essentials: Black Friday 2026 falls on Friday 27 November. The two ways people lose money are fake discounts (prices raised before the sale, then “cut”) and fake shops and delivery scams that take your card details. Check the price…
The short answer: Every serious business needs a separate bank account from day one — mixing personal and business money wrecks your bookkeeping, your tax return and, for a Pty Ltd, your legal protection. But here’s what most comparisons get…
The short answer: For most new South African online stores, Payfast is the default — no monthly fee, the widest payment-method coverage, and native plugins for WooCommerce and Shopify. Yoco wins if you also sell in person and want one…
The order matters more than the effort. Gambling debt is repaid in four moves, in this sequence: (1) remove access, because you cannot fill a bucket with a hole in it; (2) list every rand you owe and to whom;…
The short answer: A first Google Ads campaign that doesn’t burn money follows six rules — start with Search ads only (people actively looking, not browsing), one tightly-themed campaign around your single best money keyword, exact and phrase match keywords…
The short answer: transfer duty is a tax the buyer pays to SARS when property changes hands. For properties bought from 1 April 2026, there’s no transfer duty up to R1,210,000. Above that, it’s charged on a sliding scale —…
The short answer: For free AI images, the practical stack is your main AI assistant’s built-in generator — ChatGPT and Gemini both generate images on their free tiers, with daily limits — for quick one-offs; Canva’s AI tools on the…
The short answer: a common rule of thumb is that your bond repayment should be no more than about 30% of your gross monthly income. At the current prime rate of 10.75% (since 23 September 2026), a R1,000,000 bond over…
The short answer: Email is the only marketing channel you own — algorithms can’t throttle it and platforms can’t ban you from your own list. Start free: MailerLite, Brevo, Mailchimp and similar platforms all offer free tiers that include automations,…
If you only read one line: free, confidential counselling is available in South Africa around the clock on 0800 006 008, or send a please-call-me to 076 675 0710. It costs nothing, you don’t need medical aid, and family members…
