The honest summary: debt review (formally debt counselling) is a legal process under the National Credit Act where a registered debt counsellor restructures all your debts into one reduced monthly payment, negotiated with your creditors and confirmed by a court.…
The targets: first milestone — one month of essential expenses (not salary; the survival number: rent, transport, food, debit orders). Full fund — three months of essentials, stretching toward six if your income is unstable (commission, freelance, contract work). Keep…
The short answer: A workable SA online business idea passes four tests: (1) people already pay for this (you’re improving, not inventing demand), (2) you can reach the buyers affordably (a specific community, platform or search term — not “everyone”),…
The plan in one paragraph: list every debt (balance, interest rate, minimum payment), keep paying all the minimums, then aim every spare rand at one debt at a time — either the smallest balance first (snowball, best for motivation) or…
The short answer: A learnership is a 12–24 month programme combining classroom training with paid workplace experience, ending in a nationally recognised NQF qualification. An internship is workplace experience (usually for graduates or students) without a built-in qualification. Both pay…
The essentials: your first Smart ID card (age 16+) is free. A replacement — lost, stolen, damaged, or upgrading from the green ID book — costs R140. You can apply at a Home Affairs office or, increasingly, at a participating…
The short answer: You have more CV material than you think. A first-job CV is built from five blocks: a strong personal summary, your education, skills (computer, language, practical), any unpaid or informal experience (helping in a family business, volunteering,…
Three ways to check your UIF claim status: log into ufiling.labour.gov.za and open Application History (fastest); call the UIF call centre on 0800 030 007 (toll-free, weekdays) with your ID and reference number ready; or visit your Labour Centre in…
The short answer: One rule stops almost every job scam: a real job never costs you money. No registration fee, no “training kit”, no uniform deposit, no background-check fee, no interview booking fee — nothing, ever. Add three more checks…
The short version: if you were retrenched, dismissed, or your contract ended — and UIF was deducted from your salary — you can claim 38% to 60% of your previous salary (calculated on earnings capped at R17,712 per month) for…
