Practical money guides for South Africans
FinDude Understanding SARS Foreign Employment Income Exemption Complete guide for South African residents working abroad Last updated: November 2025 Quick Facts First R1.25 million of foreign income is tax-free Must work outside SA for 183 days per year Need 60 continuous days outside SA Only for employees, not self-employed Must still declare all foreign income to … Read more
Day trading can be exhilarating. It’s a fast-paced world where your next trade could lead to impressive gains, or unexpected losses. However, alongside the thrill of trading comes a pressing question: how will these activities be taxed? For South African day traders, the choice between trading as an individual or through a company can significantly … Read more
Understanding the Path Out of Debt Review in South Africa Complete guide for South African residents seeking financial freedom Last updated: December 2025 Quick Facts Clearance certificate costs around R3,000 Credit bureaus update within 20 business days Only NCR-registered debt counsellors can issue clearance You must settle all short-term debts first Free debt review removal … Read more
When it comes to using a credit card, many South Africans want to know how to get the most out of their spending. With grocery and petrol prices rising, finding a card that offers good rewards and cash back can feel like a quest for buried treasure. If you and your partner are planning to … Read more
Maximizing Tax Savings Through Retirement Annuity (RA) Contributions How to reduce your SARS tax bill while saving for retirement Last updated: December 2025 Quick Facts Save up to 27.5% of your income from SARS tax Maximum deduction is R350,000 per year Your RA investment grows tax-free Get a SARS tax refund when you contribute First … Read more
Understanding Rental Deposit Interest for Tenants. A practical guide for South Africans with everything you need to know.
Finding the Best Personal Loan Rates in South Africa Complete guide for South African residents Last updated: December 2025 Quick Facts Lowest rates start from 11.75% per year Prime lending rate: 10.75% since 25 September 2026 (SARB) Maximum legal rate is 28.25% per year for unsecured personal loans (repo rate plus 21%) Your credit score … Read more
An alarming situation has unfolded for some individuals who believe they have cleared their medical debt only to receive communication from debt collectors asserting the existence of outstanding payments owed to a hospital. This unexpected turn of events has left many pondering their next course of action and how to navigate these unsettling waters. The … Read more
Understanding Provident Funds in South Africa Complete guide for South African workers Last updated: December 2024 Quick Facts Provident funds are employer-sponsored retirement savings accounts The two-pot system started on 1 September 2024 You can withdraw from your savings pot once per tax year Contributions are typically 5% to 15% of your salary All withdrawals … Read more
The 183-Day Rule and Passive Income Tax in South Africa Complete guide to tax residency, exemptions, and how your passive income is taxed Last updated: December 2025 ⚡ Quick Facts The 183-day rule only applies to foreign employment income exemption – NOT to tax residency Passive income (dividends, interest, rental) does NOT qualify for the … Read more