Make a Plan

5 Smart Ways to Save Money

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Little changes can make big savings

With the economy performing poorly, many people are struggling to make ends meet. Here are some smart ways to help you save and get more from your hard-earned cash.

Is your phone contract the right one for you? Do you use all the data you are given every month? Do you use your phone mostly in peak or off peak times? Speak to your service provider and make sure your phone contract is giving you the most bang for your buck. If you are regularly using up all your data or airtime, consider a pay-as-you-go or top-up contract.

Do you watch all those satellite channels on your TV? Think about how much TV you watch. Is it only movies or only sport? Do you need to be paying for 400 channels when you only watch 10? Try and scale down on the size of your package. You can also save by renting DVDs or borrowing them from friends.

Are you making the most of your local library? Buying books is expensive. Joining a library will give you and your family access to hundreds of different books. Some libraries also rent out DVDs.

Sign up for Internet banking. If you don’t already use Internet banking just think how much time and money you can save by not having to go into a branch. By checking your statement online you can also keep up to date on what money is leaving your account.

Is your gym membership worth it? Do you go to gym three or more times a month? Are you getting what you pay for? What about walking in nature or playing an outdoor sport? Exercise doesn’t have to be expensive.

Healthy spending habits result in healthy bank balances. By following these simple tips you can enjoy the benefits of good financial health.


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DirectAxis is a business unit of FirstRand Bank Limited, an Authorised Financial Services and Registered Credit Provider, NCRCP20. Direct Axis SA (Pty) Ltd, Reg no. 1995/006077/07, an authorised Financial Services Provider, FSP7249 & FSP5. 108 De Waal Road, Diep River 7800.

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Loan repayment terms range from 24 to 72 months. The maximum interest rate with regards to a DirectAxis Personal Loan is 24.75% per annum (compounded monthly). Your rate and initiation fee will be determined according to your personal risk profile.

An illustrative example of a loan at an interest rate of 24.75% per annum would be: Loan amount R50 000 plus a once-off initiation fee of R1 207.50 and a monthly admin fee of R69.00, over 72 months.

The total cost of the loan will be R 103 718.91 which is a maximum Annual Percentage Rate (APR) of 28.01%.