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# Cyberfinance: Free Debt Assessment

## Sitemaps
[XML Sitemap](https://cyberfinance.co.za/sitemap_index.xml): Includes all crawlable and indexable pages.

## Posts
- [10 Commandments of Budgeting](https://cyberfinance.co.za/10-commandments-of-budgeting/): One thing we often hear about financial success is that you have to spend less than what you earn. Easy right? Well, if it was that easy, we would not have created this article along with the thousands of others on how to manage your budget. Taking the time to manage your budget better, can really help you in the long run! It can guide you to stay on top of your debt AND help you save money. You can even use these extra savings to pay off debt faster. Imagine putting this extra money towards your next holiday or finally doing that home improvement that you always wanted to do! Budgeting is vital to good financial health
- [Debt review vs VDR (Voluntary Debt Restructuring)](https://cyberfinance.co.za/debt-review-vs-vdr-voluntary-debt-restructuring/): Debt review vs VDR, what is the difference?
- [Do’s and Don’ts while under Debt Review](https://cyberfinance.co.za/dos-and-donts-while-under-debt-review/): If you haven’t been able to save money while you were under debt review. Now is a good time, as it is never too late to start saving money. Take the money you used to pay monthly towards your debt and pay it into a Savings Account every month. It’s always good to be able to plan for a nice holiday or buying something special. On top of that, you are already used to making the payment every month so is should just as easy to put that money into a savings account.
- [7 Saving Tips For The Holidays](https://cyberfinance.co.za/7-saving-tips-for-the-holidays/): We all love the holidays. It’s the best time of the year, where family and friends come together and celebrate life. But, all this fun, laughter, food and happiness comes at a cost and a lot of times we forget to plan ahead. We all dread the January financial slump after the December Holidays. But with a little planning and our 7 Savings tips for the holidays, you can be sure to have a good start to the New Year.
- [The Effect of Debt Counselling on Your Family](https://cyberfinance.co.za/the-effect-of-debt-counselling-on-your-family/): By now you should have a better understanding of how debt counselling works. When making a decision to go under debt counselling, many people have asked: “How does debt counselling affect me?” The one question few asks, but that is just as important, is: “What effect could debt counselling have on my family?”
- [Debt Review and Marriage. What should I do when my partner is over-indebted, but I am not?](https://cyberfinance.co.za/debt-review-and-marriage-what-should-i-do-when-my-partner-is-over-indebted-but-i-am-not/): Planning your financial future with your partner is a big part of any relationship. What will happen when things don’t always work out as planned? Your partner might be over-indebted and you are both facing the decision of going under debt review in order to better your financial situation. What are your options, should you not be over-indebted?
- [Beware of Debt Counselling Scams!](https://cyberfinance.co.za/beware-of-debt-counselling-scams/): We are unfortunately living in a world where crime and greed are abundant. The financial industry is probably one of the most targeted industries out there. Just like your bank gives you guidelines on how to keep your money safe and secure at all times, we also want you to be save when choosing a trustworthy debt counsellor. In this article we go through the most important parts of making sure you do not become another statistic, when it comes to some of the debt counselling scams out there.
- [The 10 Biggest misconceptions about debt counselling](https://cyberfinance.co.za/the-10-biggest-misconceptions-about-debt-counselling/): It is our passion as a debt counselling company to give you as much information about what we do as possible. Transparency is vital when it comes to trusting in us as your debt counsellor. In this article we will be discussing the 10 Biggest Misconceptions about Debt Counselling we experience.
- [10 Commandments of Debt Counselling](https://cyberfinance.co.za/10-commandments-of-debt-counselling/): Let’s face it. It is so easy to get trapped in a downhill slide of credit cards, personal loans and clothing accounts. Sometimes people borrow more money than they can afford to pay back and then they find themselves in serious financial trouble. Debt Counselling is an option for over-indebted consumers. But there are a few things you should know about debt counselling.
- [What is debt review](https://cyberfinance.co.za/what-is-debt-review/): In order to fully understand the benefits you have with debt review. You first need to understand the basics of what Debt Review is.  Debt review is a legal process that allows you, the consumer the opportunity to restructure your debt into one more affordable monthly payment. Giving you financial relief while still allowing you to meet your debt obligations. You can apply for debt review by approaching a registered Debt Counsellor to assist you in your application.
- [Debt Review VS Debt Mediation](https://cyberfinance.co.za/debt-review-vs-debt-mediation/): Debt mediation (VDM) is a process that involves negotiating better debt terms with your creditors so that your monthly debt repayments are lower.
- [Cash Strapped Tips: How to make your money go further](https://cyberfinance.co.za/cash-strapped-tips-how-to-make-your-money-go-further/): The cost of living has significantly overtaken the household income of already cash-strapped South Africans who are reaching for credit and costly short-term loans to plug their financial shortfalls each month.
- [What You Need to Know About Credit Assessments in South Africa](https://cyberfinance.co.za/all-about-credit-assessments-in-south-africa/): Credit assessment, credit score, credit check, credit report are all terms we hear in relation to loans, credit cards and lending but what does it actually mean and what is the difference between a good credit score versus a bad one and how does it impact you.
- [What Happens to Your Debt When You Pass Away?](https://cyberfinance.co.za/what-happens-to-your-debt-when-you-pass-away/): There are many misconceptions about debt and inheritance. Many South Africans believe that their debts disappear at their death, but this is not so.
- [Four Options for Consumers Who are Over Indebted](https://cyberfinance.co.za/four-options-for-consumers-who-are-over-indebted/): South African consumers are more cash-strapped than ever before and there is nothing worse than running out of money before month-end.
- [Safeguard Yourself Against Debt by Avoiding These Money Mistakes](https://cyberfinance.co.za/safeguard-yourself-against-debt-by-avoiding-these-money-mistakes/): It’s fair to say that we’d all like to have more money, but how do we get there? How do we navigate the treacherous waters of overspending and credit sharks? Let’s take a look at a few common money-saving mistakes and how to avoid them.
- [10 Commandments of Debt Counselling](https://cyberfinance.co.za/10-commandments-of-debt-counselling-2/): Let’s face it. It is so easy to get trapped in a downhill slide of credit cards, personal loans, and clothing accounts.
- [DebiCheck: All About SA’s New Debit Order System](https://cyberfinance.co.za/debicheck-all-about-sas-new-debit-order-system/): Debit orders are among the most popular ways of paying bills in South Africa. However, over the past few years, debit order abuse has become a major issue, both for companies as well as consumers. Customers are disputing previously agreed upon contracts, while fraudulent companies are tricking consumers into debit order applications.
- [Tell-tale signs that you need debt counselling](https://cyberfinance.co.za/tell-tale-signs-that-you-need-debt-counselling/): South Africa is facing a rising debt crisis. The pressure placed on the economy due to the COVID-19 pandemic has severely affected people’s economic situations. More families have fallen below the bread line as primary caregivers have been laid off or placed on contractual employment. Credit providers have become lifelines and people have become dependent on living off their debt. This will only end in many families getting stuck in a debt cycle and unable to break free.
- [3 Tips For When You Are Indebted Beyond Your Means](https://cyberfinance.co.za/3-tips-for-when-you-are-indebted-beyond-your-means/): The COVID-19 pandemic has been devastating for the South African economy. The number of people in debt who are relying on their credit to stay alive has sky-rocketed, leaving the South African economy teetering on the edge of borrowed time. Between the first and second quarters of 2020, the Gross Domestic Product (GDP) fell to a record low of -51%. According to historical data, this is the steepest decline in GDP since 1960. This decrease had had long-lasting implications on the rebuilding of the economy and has resulted in consumers turning to banks and credit providers to get them through the difficult times.
- [Everything you need to know about ‘Blacklisting’](https://cyberfinance.co.za/everything-you-need-to-know-about-blacklisting/): We’ve all heard the term ‘blacklisted’ and we’ve been conditioned to fear it ever happening to us. But what does this term actually mean and does it still apply today?
- [How to Manage Financial Stress](https://cyberfinance.co.za/how-to-manage-financial-stress/): Money-related stress can be the most challenging to deal with. Our financial circumstances determine our feelings of safety and security. Often, one is responsible not only for yourself, but for your family and dependents as well. Learning how to cope with financial stress can help you make practical and rational decisions when deciding which avenue to take when consolidating debt or making budgets and get back on track sooner.
- [Should I take out a loan to pay off my credit card?](https://cyberfinance.co.za/should-i-take-out-a-loan-to-pay-off-my-credit-card/): Racking up credit card debt can land you in some hot water if you aren’t careful. Credit card payments have very high interest rates. Which means this type of debt is very expensive and if you are only paying the minimum monthly installment, you are going to end up with an exorbitant amount to pay back. However, there are options that will help you consolidate your debt and get you closer to financial freedom. 
- [5 Financial New Year’s Resolutions for 2021](https://cyberfinance.co.za/5-financial-new-years-resolutions-for-2021/): What better way to start the new year than with a few financial New Year’s resolutions to get you back on track towards being financially free?
- [How to Build Good Credit with Good Debt](https://cyberfinance.co.za/howtobuildgoodcreditwithgooddebt/): Whether you’re just starting out on your personal financial journey or trying to rebuild your credit rating after debt, building good credit helps establish firm foundations for your journey to financial freedom as it is what determines your credit score. A credit score is a number lenders use to help them decide how likely it is that they will be repaid on time if they give a person a loan or a credit card. A high credit score shows lenders you’re not a credit risk and will improve your chances of getting your loan approved.
- [Stay in the Green this Black Friday](https://cyberfinance.co.za/stay-in-the-green-this-black-friday/): .
- [Your Debt Review Questions Answered](https://cyberfinance.co.za/your-debt-review-questions-answered/): .
- [Best SA Personal Finance Blogs to Follow](https://cyberfinance.co.za/best-sa-personal-finance-blogs-to-follow/): Cyber Finance is here to help you get ahead of your debt by providing you with the resources that will show you how to cleverly manage your personal wealth. Personal finance management isn’t just about learning how to budget for a rainy day; it’s about developing the knowledge that will get you to your goals of financial freedom and independence. 
- [The Real Cost of Debt](https://cyberfinance.co.za/the-real-cost-of-debt/): Understand the costs of debt in the first three months.
- [Debt Traps and How to Spot Them](https://cyberfinance.co.za/debt-traps-and-how-to-spot-them/): Debt can accumulate fast, particularly if you need to borrow money to pay your existing debt each month. This is known as the cycle of re-borrowing and occurs when you are unable to afford your current debt repayments, whether it is your home loan, car loan, credit card or personal loan.  
- [Everything You Need to Know About Debt Review](https://cyberfinance.co.za/everything-you-need-to-know-about-debt-review/): If your debts have spiralled out of control and you find yourself unable to meet your monthly repayments, you can apply for a debt review.
- [How to Identify a Reputable Debt Management Company](https://cyberfinance.co.za/how-to-identify-a-reputable-debt-management-company/): South Africans are struggling to meet their financial obligations because of the sluggish South African economy which has been exacerbated by the Covid-19 pandemic.
- [Debt Management: Benefits of Debt Counselling](https://cyberfinance.co.za/debt-management-benefits-of-debt-counselling/): Debt counselling involves appointing a qualified debt specialist to help you re-arrange your debt and negotiate better credit terms with your creditors. Appointing a debt counsellor is the first step in the debt management process.
- [How Debt Impacts Couples Married in Community of Property](https://cyberfinance.co.za/how-debt-impact-couples-married-in-community-of-property/): Understanding how your marriage contract will impact the management of your family’s finances is essential to a happy marriage and a secure financial future. If you get married without drawing up an ante-nuptial contract, you will automatically be regarded as being married in community of property because this is the default contract in South Africa. While you may save some money by not paying a lawyer to draw up an ante-nuptial contract, a marriage in community of property carries significant financial implications for the couple.
- [Debt Management: 4 Steps to Manage Your Debt](https://cyberfinance.co.za/debt-management-4-steps-to-manage-your-debt/): Being in debt can be an overwhelming and debilitating experience, however, there are many proven debt management solutions available to help you manage your debt and regain your financial security.
- [Simple Budgeting Tips to Help You Manage Your Money](https://cyberfinance.co.za/simple-budgeting-tips-to-help-you-manage-your-money/): The best way to ensure you are able to look after yourself and your family well into the future is by learning how to manage your money correctly. An easy way to do this is by following the below simple budgeting tips which will help you navigate unnecessary money traps and make your money work for you.
- [Cyber Finance Launches New Website](https://cyberfinance.co.za/cyber-finance-launches-new-website/): After several months of developing, designing, and troubleshooting, we at Cyber Finance are pleased to announce the launch of our new website. The purpose of creating a new website was to refresh the look and feel, improve site navigation, and create a better overall user experience for both our new and returning clients.
- [The Power of Loan Consolidation](https://cyberfinance.co.za/pros-and-cons-of-a-consolidation-loan/): Debt consolidation is the process of taking out a single larger loan to settle multiple smaller debts. It combines all your current debts into one, which means that you only need to pay one, often more affordable, monthly payment over a specified period.
- [6 Budgeting Apps to Help You Track Your Spending](https://cyberfinance.co.za/6-apps-to-help-you-track-your-spending/): In the current economic climate managing your money can be a struggle, especially if you have too much debt.
- [Competition](https://cyberfinance.co.za/competition/): Competition
Ready to win a night out at one of South Africa's favourite restaurants? Then catch this competition from Cyber Finance! It's so simple to win in our June 2023 competition, all you need to do is follow us and tag two friends in the comments! Each comment gets you three entries for yourself and one for each friend you tag because, like you, we love our community.
- [Money Talks for Newlyweds: The Key to a Successful Marriage](https://cyberfinance.co.za/money-talks-for-newlyweds-the-key-to-a-successful-marriage/): Money problems and financial infidelity are among the top reasons South Africans get divorced, which highlights the importance of talking about money soon after tying the knot.

## Pages
- [Job vacancy application](https://cyberfinance.co.za/job-vacancy-application/): Welcome, and thank you for your interest in joining the team.
- [Thank you](https://cyberfinance.co.za/thank-you/): Thank you for reaching out to CyberFinance. One of our friendly consultants will be in touch with you shortly to discuss your situation and explain how we can help.
- [Terms and conditions](https://cyberfinance.co.za/terms-and-conditions/): Cyberfinance
- [Privacy policy](https://cyberfinance.co.za/privacy-policy/): IntroductionThis Privacy Policy governs the manner in which Cyber Finance (Pty) Ltd. (‘we’, ‘our’, ‘us’) treats your personal information collected electronically when you use our website www.cyberfinance.co.za or any of its sub-domains.
- [Free Debt Assessment](https://cyberfinance.co.za/free-debt-assessment/): Breathe easier with expert help, reduced payments and full legal protection.
- [Contact](https://cyberfinance.co.za/contact/): You don't have to figure it out yourself.
- [Blog](https://cyberfinance.co.za/blog/)
- [About us](https://cyberfinance.co.za/about-us/): Your debt can be less of a burden on your life! Our simple 5 step process insures that you get the best possible solution to improve your financial situation. At Cyber Finance, we have more that 20 years experience assisting South African consumers with exactly this.
- [Debt Management advice ](https://cyberfinance.co.za/debt-management-advice/): Make sense of your money, reduce pressure, and take back control with personalised guidance that fits your life.
- [Debt Review](https://cyberfinance.co.za/debt-review/): Get legal protection, lower your monthly payments, and finally breathe again. Debt Review helps you take back control.
- [Debt Counselling](https://cyberfinance.co.za/debt-counselling/): Get expert help to simplify your debt, protect what matters, and take back control: confidential, affordable, and built around you.
- [Home](https://cyberfinance.co.za/): For over 14 years, we've helped thousands of South Africans reduce debt, stop creditor pressure and breathe again.

## Reviews
- [Robyn Grever](https://cyberfinance.co.za/review/robyn-grever/): Had a chat with Leticia about a week ago. Thank you so much for the great advice. I really admire your kindness and professionalism. Once again thank you
- [Sebastian Aitken](https://cyberfinance.co.za/review/sebastian-aitken/): Excellent service, and always ready to help - 1 Year with these guys and all has been great thus far! My queries are attended to immediately and resolved in no time. Thanks Guys!
- [Sherese Michaels](https://cyberfinance.co.za/review/sherese-michaels/): I am very happy thus far with the service i got from Cyber Finance. Friendly and efficient assistance from the consultants.Keep up the good work!
- [Sachin Singh](https://cyberfinance.co.za/review/sachin-singh/): I would like to take this opportunity to thank Cyber Finance, with Melony Blake in particular, her assistance has far exceeded my expectations, from the time I decided to involve Cyber Finance, the approach has been nothing short of professional, friendly and understanding. I will no doubt recommend Cyber Finance to anyone who requires their services, thank you Melony and your team for everything!!
- [Gideon Hector](https://cyberfinance.co.za/review/gideon-hector/): I will like to thank the Cyber Finance specially Rene, Abbas, Imraan and the whole team for the good work and support from them. The team is determine and very helpful. You guys Rock, 10 out of 10 for you guys. You guys manage to get my car back for me. I will be forever thankful for your good/Excellent services and I will recommend anyone to use your services.
- [Vicky Allan](https://cyberfinance.co.za/review/vicky-allan/): Finally after nine years, I was able to pay off the balance of my debt, which I did but the debt councillor, was not reachable to issue the clearance certificate. Thankfully, the NCR, recommended that I contact another DC to assist me which I did. Thank you very much to Cyber Finance, Cape Town but in particular, to Alain le Roux, who made the process so painless and always treated me in a professional way. I highly recommend Alain and I wish that I knew of him when I first started with debt review. Thank you, Alain.

## Categories
- [Budgeting](https://cyberfinance.co.za/category/budgeting/)
- [Debt Counselling](https://cyberfinance.co.za/category/debt-counselling/)
- [Debt Review](https://cyberfinance.co.za/category/debt-review/)
- [Featured](https://cyberfinance.co.za/category/featured/)
- [Finance & accounting](https://cyberfinance.co.za/category/finance-accounting/)
- [General](https://cyberfinance.co.za/category/general/)
- [Savings Tips](https://cyberfinance.co.za/category/savings-tips/)

## Tags