Pocket finance

27/04/2026

Happy freedom day!

12/12/2025

December can be a catch to many, affecting their credit scores…

The festive season brings excitement, but it also brings extra spending, social pressure, and unexpected expenses. Many people fall into the trap of relying on credit just to “make December happen,” and this can quietly damage their credit score without them noticing.

This is the time when missed payments increase, accounts get overstretched, and short-term loans pile up. Remember: your credit score doesn’t take a holiday. Every swipe, every late instalment, and every new credit application counts.

To protect yourself:

Stay within your budget December is one month; a damaged credit score can affect you for years.

Avoid opening unnecessary credit accounts out of pressure or impulse.

Don’t skip instalments to fund festive shopping. One missed payment can drop your score.

Plan for January school fees, transport, and other commitments return fast.

Use cash where possible to avoid falling into revolving credit traps.

Building and protecting your credit score is a long-term commitment. Enjoy the season, but don’t let short-term excitement create long-term financial stress. A disciplined December means a more comfortable January and a stronger financial future.

12/12/2025

Have a great weekend!

30/11/2025

8 guidelines to building a good credit score.

30/11/2025

28/11/2025

Your credit score remains individual, even in marriage.
However, co-signing or opening joint credit can impact both partners.
Communicate, plan, and protect your financial health together.

27/11/2025

Keeping your credit usage below 30% is one of the strongest ways to protect and grow your credit score.
Low utilisation today leads to better financial opportunities tomorrow.

27/11/2025

CREDIT SCORE TIP