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/Sarfaraaz Hamza

About Sarfaraaz Hamza

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So far Sarfaraaz Hamza has created 52 blog entries.

Reduce Your Spending By Winter Proofing your home

To quote Jon Snow from Game of Thrones "Winter is coming" and with it comes a whole lot of sundry expenses many South African's do not think of or take note of, however in tough economic times and the increase in VAT we need to be as vigilant and frugal as ever. As the days are [...]

By |April 19th, 2018|Blog|0 Comments

What The Increase In VAT Means For The Ordinary South African

South Africa has moved into a new era with the resignation of President Jacob Zuma and Cyril Ramaphosa taking over the reigns of the country. One of the first and possibly major changes under the new regime is the decision to increase VAT (Value Added Tax) for the first time in 25 years.  Finance Minister Malusi [...]

By |April 19th, 2018|Blog|0 Comments

8 Financial Warning Signs South Africans Should Pay Attention To

For many South African's financial trouble is something that creeps up on them and they only realise they're in trouble when it's far too late. Having said that financial trouble is far from a thief in the night or an unwanted accident but a series of poor judgement and bad financial habits that land South [...]

By |March 27th, 2018|Blog|0 Comments

What Kind of Financial Animal Are You?

The majority of South African's do not spend time thinking about their financial health. When it comes to your finances, poor decisions you make today can cost you for the rest of your life and this behaviour, believe it or not, can be compared to creatures in the animal kingdom. Do you know what kind [...]

By |March 16th, 2018|Blog|0 Comments

5 Things South Africans Overspend On

One of the many causes of having too much debt or not being able to service your debt obligations can be due to overspending. If you're struggling to pay your debt due to overspending on items you can live without or get cheaper you're not alone. Overspending is so prevalent in the country, so much [...]

By |March 5th, 2018|Blog|0 Comments

How South Africans Can Convert Clutter Into Cash

Today's modern lifestyle relies heavily on consumer spending, its what keeps the economy afloat. However not all consumer spending is good and we tend to acclimate things we don't really need, things that are either wants, tends or impulse buys. As the years go by this sort of spending behaviours result in unwanted goods that [...]

By |March 2nd, 2018|Blog|0 Comments

What You Need To Know About Taking a Personal Loan

Taking out a personal loan has become easier and easier, from banks to 3rd party financial service providers, to retail stores all willing to provide consumers with short-term credit on a whim. It may seem like a very simple process, apply for the loan, spend the money, then spend a designated time period paying it [...]

By |March 2nd, 2018|Blog|0 Comments

What is a South African Credit Score?

Unfortunately, not every South African has the luxury of not "paying back the money" and for those who don't, this can result in penalties to your credit score that will affect your financial well-being well into the future. Having a poor credit score can result in you struggling to finance big-ticket items you may need [...]

By |March 1st, 2018|Blog|0 Comments

When Will Debt Be Written off in South Africa?

At ezDebt, we aim to not only help South Africans get out of the cycle of debt but also educate them about money and the consequences of their actions. Debt should always be paid off in a reasonable and timely fashion to avoid filing for bankruptcy or being blacklisted. For more on blacklisting in South Africa [...]

By |February 2nd, 2018|Blog|0 Comments

20 Household Hacks That Will Save You Money

When times are tough and the belt needs tightening people always see it as an impossible task that is an uphill battle. They see it from the most extreme point of view rather than taking small measures to save a few bucks here and there The funny thing is that some of the best money-saving [...]

By |February 2nd, 2018|Blog|0 Comments