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.

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

Debt Review Process

Debt review vs administration: understanding your options

Understand debt review vs administration in South Africa, including debt limits, repayment arrangements, credit effects and practical questions to ask.

Managing Debt

Why credit card minimum payments cost More Than You Expect

Understand why credit card minimum payments cost more over time, which statement figures matter, and what practical steps to consider

Debt Restructuring

Debt review application declined? Understand your next steps

A debt review application declined outcome can feel discouraging. Learn what incomplete information, affordability findings and eligibility issues can mean,

Debt Counselling

Debt counselling affordability assessment: how a payment is worked out

Understand a debt counselling affordability assessment, including the income, essential expenses and debt repayments that help shape a realistic monthly

Debt review after missing payments: A Calm Next Step

Debt review after missing payments can feel stressful. Learn how to communicate early, protect essential costs and prepare for a

Debt counsellor vs debt consolidation: understand the difference

Debt counsellor vs debt consolidation: understand how each option handles repayments, credit access, approval and the costs that matter over