Knowledge base

Welcome to the Cyber Finance blog. Your trusted source for financial tips, debt advice and practical tools to help you take back control of your money. We share clear, judgement-free guidance to help you move forward with confidence.

Debt Review Process

What happens after debt review application: your next steps

Learn what happens after debt review application, from financial assessment and creditor communication to proposals, documents and keeping your information

Debt Review Process

Creditors calling during debt review: A Calm Response Plan

Creditors calling during debt review can be stressful. Learn what to record, what to say, when to share your counsellor’s

Debt Review Process

How to cancel debt review: Understand Your Options First

Learn how to cancel debt review in South Africa, including the difference between withdrawal and a clearance certificate, creditor payments

Debt Restructuring

Debt restructuring home loan arrears: risks to address early

Understand debt restructuring home loan arrears, the information to gather, budget pressures to consider and why early written communication matters.

Debt Counselling

Debt counselling for self-employed income: planning for variable months

Learn how debt counselling for self-employed income can consider uneven earnings, business costs and realistic repayment planning in South Africa.

Debt Restructuring

Debt consolidation for payday loans: what to assess first

Debt consolidation for payday loans can reduce payment complexity, but affordability matters. Learn what to assess, when to pause, and

Managing Debt

How to calculate debt-to-income ratio and Check Repayment Pressure

Learn how to calculate debt-to-income ratio, which repayments to include, and why a household budget gives a clearer view of

Debt Counselling

Debt counselling and vehicle finance: A Practical Guide

Understand debt counselling and vehicle finance in South Africa, including affordability, your repayment plan, communicating with the lender and options

Debt Counselling

Debt counselling vs debt settlement: which path fits?

Understand debt counselling vs debt settlement in South Africa, including how repayment plans, settlement offers, credit records and creditor agreement