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# Everycent

Get smarter about money

## Sitemaps

- [XML Sitemap](https://everycent.co.za/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [How to clear a credit record & your name with credit bureaus](https://everycent.co.za/blog/how-to-clear-credit-record/) - Let’s find out how to clear your credit record… This post covers how long negative listings last, and how to remove them from credit bureaus in South Africa.
- [Debt review removal (a way to cancel or remove debt review)](https://everycent.co.za/blog/debt-review-removal/) - Debt review removal is a relatively new service that helps South Africans get out of debt review. Here’s everything you need to know.
- [How to remove, withdraw, or cancel debt review (to get out)](https://everycent.co.za/blog/how-to-get-out-of-debt-review/) - The legal side of debt review makes it hard to get out. Since, cancelling or removing yourself isn’t straight forward—we’ll guide you through ways to get out.
- [Best ways to invest money in South Africa (for beginners)](https://everycent.co.za/blog/best-investments-south-africa/) - What is the best way to invest in South Africa? We've compiled the list to help you find out. Here are eight top investment options anyone could start with.
- [47 Online side hustles you can start in South Africa in 2025](https://everycent.co.za/blog/online-side-hustles-in-south-africa/) - Online side-hustles are a great way to make extra money from home in South Africa. Here are the 47 best ways to start.
- [What is the difference between debt review and blacklisted?](https://everycent.co.za/blog/difference-between-debt-review-and-blacklisted/) - Being under debt review and being blacklisted both affect someone’s credit access. But in very different ways, and for very different reasons—here’s the deal.
- [What will my credit score be after debt review? (Answered)](https://everycent.co.za/blog/credit-score-after-debt-review/) - Not sure how debt review affects your credit score ? We’ve got you. Let’s find out what your credit score could be after debt review.
- [How to qualify for a home loan (+ how to save when you buy)](https://everycent.co.za/blog/how-to-qualify-for-a-home-loan/) - Most of us dream of owning our own home, or multiple homes. But real estate is expensive. That’s why we rely on home loans. Here’s how to qualify.
- [How much does it cost to build a house in South Africa? 2025](https://everycent.co.za/blog/how-much-does-it-cost-to-build-a-house/) - To build or to buy? That’s the question. This post will help you decide by reviewing the cost of building a house in South Africa—let’s get started.
- [Tyre insurance in South Africa (where to get tyre cover)](https://everycent.co.za/blog/tyre-insurance/) - Want to cover your car’s tyres and rims? Then, you need tyre insurance. This post shares what it is, what is and isn’t covered, and where to get tyre insurance.
- [Balloon payment in South Africa (what it is & how it works)](https://everycent.co.za/blog/balloon-payment/) - What is a balloon payment and how does a balloon payment work in South Africa? Let’s find out whether opting for a balloon payment is worth it…
- [What is a demo car? (+ where to find demo cars for sale)](https://everycent.co.za/blog/what-is-a-demo-car/) - Many believe buying a demo car is better than buying a new car. Find out what a demo car is, their pros and cons, and where to find them for sale.
- [Claiming insurance: How to claim and get approved (+FAQs)](https://everycent.co.za/blog/claiming-insurance/) - Claiming on insurance should be easy. After all, accidents, theft, and damage are painful enough. Here’s everything you need to know about claiming insurance.
- [What is third-party insurance? (Pros, cons, and comparisons)](https://everycent.co.za/blog/what-is-third-party-insurance/) - Third-party and third-party, fire, and theft insurance is an affordable alternative to full comprehensive insurance coverage. Here’s what you need to know.
- [How to make money online in South Africa (+ how to start)](https://everycent.co.za/blog/how-to-make-money-online/) - In South Africa, there are lots of ways to make money online. In this post, we cover the four categories that work best and how to get started today.
- [How much is car insurance in South Africa? (Rates in 2025)](https://everycent.co.za/blog/how-much-is-car-insurance/) - Exactly how much does car insurance cost in South Africa? To find out, there are a couple of things you need to know. Here are the basics and the costs.
- [Comprehensive car insurance—what is it & where to get it…](https://everycent.co.za/blog/comprehensive-car-insurance/) - Want to make sure your car is properly insured? Comprehensive car insurance is the way to go. Here’s what you need to know and how to get insured.
- [Insurance excess fee: What is it? (+ how to use it wisely)](https://everycent.co.za/blog/insurance-excess-fee/) - Excess fees apply to all types of insurance. And you can use it to your advantage—if you know what it is and understand how to use it.
- [Can your car be repossessed while under debt review?](https://everycent.co.za/blog/can-cars-be-repossessed-under-debt-review/) - Debt review is a great way to solve debt problems and protect yourself against legal action like car repossession—but there are rules… even under debt review.
- [Credit score ranges in South Africa (+what’s a good score)](https://everycent.co.za/blog/what-is-a-good-credit-score/) - A strong credit score makes lending easier and cheaper. In South Africa, credit ratings range between 0 - 999—this is what’s considered a good credit score.
- [What to do when you get summons for debt in South Africa](https://everycent.co.za/blog/what-to-do-when-you-get-summons-for-debt/) - Just got a summons because you're behind on debt repayments? Here’s what you need to do to respond to a summons for debt in South Africa.
- [How does debt review work? (The process explained)](https://everycent.co.za/blog/how-does-debt-review-work/) - Okay, so you’ve heard of debt review. But, how does debt review work? In this post, we break down the debt review process step by step to find the answer.
- [The 12 cheapest meals in South Africa (most under R100)](https://everycent.co.za/blog/cheap-meals-south-africa/) - Looking for cheap meals you can make at home on a budget in South Africa? Here are our favourite dinner ideas. Most costing well under R100.
- [This is how long after debt review you can apply for credit](https://everycent.co.za/blog/credit-after-debt-review-clearance-certificate/) - Find out how long after debt review can you apply for credit, and what debt review clearance certificates have to do with it. Here’s what you need to know.
- [What happens if you can't pay debts & what to do about it](https://everycent.co.za/blog/what-happens-if-you-cant-pay-debt-in-south-africa/) - Not being able to pay your debt can have some serious consequences. Including costs, damage to credit score, and some legal stuff which could lead to jail time.
- [Landlord & Tenant Rights (+what a landlord cannot do in SA)](https://everycent.co.za/blog/what-a-landlord-cannot-do-south-africa/) - Landlords and tenants each have their own rights and responsibilities. There are certain things a tenant or landlord cannot do — here’s how it works.
- [What is prescribed debt and should South Africans pay it?](https://everycent.co.za/blog/what-is-prescribed-debt-in-south-africa/) - Prescribed debt in South Africa is a nuanced topic. Legally, consumers aren’t obligated to pay prescribed debt, but there are still a few risks to take note of.
- [How to check if you are blacklisted (with free online tools)](https://everycent.co.za/blog/how-to-check-if-you-are-blacklisted/) - It’s not that hard to check whether you’re ‘blacklisted’ or not. South African credit bureaus make it easy. Here’s how you can check your status.
- [How to trade in a car that is not paid off in South Africa](https://everycent.co.za/blog/how-to-trade-in-car-thats-not-paid-off/) - Want to trade-in your car before it’s paid off—here’s how to do it. In this post we break down the process and share the doc that you’ll need.
- [The right way to sell a financed car (without paying it off)](https://everycent.co.za/blog/how-to-sell-a-financed-car-without-paying-it-off/) - Want to sell your car before it’s paid off? The process is a little different so check this out. Here’s how you can sell your financed car before it's paid off.
- [Can't afford your car payment? Here are 7 things you can do](https://everycent.co.za/blog/cant-afford-car-payment-options-south-africa/) - Being unable to afford car payments is the worst. Luckily, South Africans have seven options—including reducing car instalments to make it more affordable.
- [What is debt review in South Africa? (+ is it a good idea?)](https://everycent.co.za/blog/what-is-debt-review/) - Debt review is South Africa’s solution to unaffordable consumer debt. It’s a way for South Africans to catch up when they’re in trouble — here’s the deal.
- [How anyone can build a good credit score in South Africa](https://everycent.co.za/blog/how-to-build-a-good-credit-score/) - Want to boost your credit score? Follow these 7 simple steps to build a good credit score in South Africa — anyone can do it.
- [Want to buy a house in SA? Here’s the credit score you need](https://everycent.co.za/blog/credit-score-to-buy-a-house-in-south-africa/) - Looking to buy a home in South Africa? Here’s everything you need to know about the credit score requirements to buy a house and how to do it with a low score.
- [What credit score is required to buy a car in South Africa?](https://everycent.co.za/blog/credit-score-required-to-buy-car-in-south-africa/) - Let’s help you get the financing you need. Find out what credit score is required to buy a car in South Africa, plus, minimums and alternatives.
- [The right way to deal with debt collection in South Africa](https://everycent.co.za/blog/consumer-rights-debt-collection-south-africa/) - There’s a right way to deal with debt collectors. Find out how to protect yourself, learn your rights, and discover your options as a South African consumer.
- [Vehicle repossession procedure in South Africa (must know)](https://everycent.co.za/blog/vehicle-repossession-procedure/) - Want to learn how car repossession works? Here’s the entire vehicle repossession procedure in South Africa (use it to your advantage.)
- [How to become rich in South Africa (copy these strategies)](https://everycent.co.za/blog/how-to-become-rich-in-south-africa/) - There are four proven ways to become rich in South Africa. This is how you do it, follow the path that suits you best and go make your first millions.
- [Garnishee Order: What it is, how it works & how to stop it](https://everycent.co.za/blog/what-is-a-garnishee-order/) - A garnishee order is a legal document, which makes it a big deal. But what is a garnishee order, how long is it valid for, and what impact does it have?
- [Must know: Section 129 Letter of demand (+ how to respond)](https://everycent.co.za/blog/section-129-letter-of-demand/) - Learn more about Section 129 and what to do with a letter of demand. Find out what it is, what happens after an S129 notice and how to respond.
- [How to make passive income in South Africa (+ opportunities)](https://everycent.co.za/blog/how-to-make-passive-income-in-south-africa/) - Let’s start making more money by leveraging powerful passive income opportunities. Here’s how to make passive income in South Africa.
- [How debt review clients can get a loan under debt review](https://everycent.co.za/blog/debt-review-loans/) - Wondering how to get a loan under debt review? Or whether you can get a loan? Yes, you can. Here’s how loans under debt review work.
- [How long does debt review last (and stay on your name)?](https://everycent.co.za/blog/how-long-does-debt-review-last/) - Debt review is a terrific way to settle overdue debt, but how long does debt review last? And how long does debt review stay on your name? Let’s find out.
- [Debt counselling vs review vs consolidation (which is best?)](https://everycent.co.za/blog/debt-counselling-vs-review-vs-consolidation/) - Each debt option is closely related, but has key differences; here's a true comparison between debt counselling, debt review, and debt consolidation loans.
- [Advantages & disadvantages of debt counselling (debt review)](https://everycent.co.za/blog/debt-counselling-pros-and-cons/) - Is it worth it? Find out how the advantages and disadvantages of debt counselling (debt review) stack up. Here are all the pros and cons.
- [What is a debt counsellor? (And can they be trusted)](https://everycent.co.za/blog/what-is-a-debt-counsellor/) - Debt counsellors are helping thousands of South Africans get out of debt, but what exactly do they do? And is it safe to work with one?
- [What is debt counselling? (+ how it works and who can apply)](https://everycent.co.za/blog/what-is-debt-counselling/) - Heard of debt counselling recently, but unsure what it is? We’ve got you. Find out everything, including how it works and who’s in control.
- [How do rent-to-own cars work? (the process & risks)](https://everycent.co.za/blog/how-do-rent-to-own-cars-work/) - Rent-to-own can be a good alternative to traditional car financing. But, it’s not without risk. Here’s how rent-to-own cars work and why some think it's risky.
- [How to invest in property in South Africa (Beginners Guide)](https://everycent.co.za/blog/how-to-invest-in-property/) - Property investing can be a little intimidating at first. Until you know how to invest in property, then it becomes easy. Here’s how anyone can do it.
- [All the debt counselling (debt review) fees [+ examples]](https://everycent.co.za/blog/debt-counselling-fees/) - Get an overview of the actual cost with a complete debt counselling (debt review) fee breakdown with practical examples and definitions.

## Pages

- [Home](https://everycent.co.za/) - Get smarter about money, find the best options, and compare everything from loans to credit cards to maximise what you can do with your income.
- [Contact](https://everycent.co.za/contact/) - Want to share your feedback or ask important questions? Find out how to contact us or use the contact form to reach out to the Everycent team.
- [Blog](https://everycent.co.za/blog/) - Get smarter about money with unbiased financial resources for debt, credit, investing, and more. Everycent's blog makes stepping up your finances fun.
- [Terms of Use](https://everycent.co.za/terms/) - Welcome to Everycent. By using our website, you agree to these Terms and Conditions. Please read them carefully.
- [Privacy Policy](https://everycent.co.za/privacy-policy/) - Everycent protects your data under South Africa’s POPIA law. Read how we collect, use, and safeguard your personal information.
- [Advertiser Disclosure](https://everycent.co.za/advertiser-disclosure/) - Everycent is committed to transparency. Discover how we’re compensated, how it impacts our content, and why our advice remains objective and trustworthy.
- [Our Partners](https://everycent.co.za/partners/) - Transparency matters. See the financial institutions we partner with and how these relationships help us provide clear, objective financial guidance
- [Editorial Guidelines](https://everycent.co.za/editorial-guidelines/) - Everycent's editorial team writes on behalf of the reader. We strive to empower South Africans with accurate information. These are our editorial guidelines.

## Contributors

- [Hen Vance](https://everycent.co.za/contributor/hen-vance/) - Hen is an editor at Everycent, and a marketing consultant in the finance industry. He has written hundreds of articles for various websites and publications.
- [Jonathan Petley](https://everycent.co.za/contributor/jonathan-petley/) - Jonathan Petley is a registered Debt Counsellor and practising Financial Manager in South Africa. Leading The Debt Doc as its Director

## Categories

- [Blog](https://everycent.co.za/category/blog/)

## Roles

- [Writer](https://everycent.co.za/roles/writer/)
- [Reviewer](https://everycent.co.za/roles/reviewer/)
- [Editor](https://everycent.co.za/roles/editor/)