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Our branches and accredited providers extend throughout South Africa.
To find a Real People branch near you, try our Network Locator below, or call 0800 21 20 30 right now, or mail us at realsolutions@realpeople.co.za.
There’s no time like the present, so click here to apply online now.
Whether you’re considering applying for finance or not, your personal financial management is vital to your financial well-being. See how you’re doing with the Budget Planner on this page, or download the Excel Document version and complete it on your computer in your own time, or print the PDF document (downloadable below) and complete it by hand.
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So many people never even open their salary advices. Why - because they’re not sure of what’s on it. So it’s better to leave it alone. NO! Always check your payslip. Check that any deductions that are being made, have been agreed to by you. Check that your overtime, bonuses or other extra money that you are expecting has been paid. If you are not sure of anything, ask immediately. Don’t wait for a week or two, by then it could be too late.
Always get a bank statement. This is very important. You must always know what is happening in your bank account. The bank does not have to give you a statement, but that is no reason for not getting one. Check the deductions from your account – if there are deductions being made that you do not know of, ask about it. The longer you leave it the more difficult it is to make corrections.
Know what you’re paying for at your bank. When you opened your bank account, did anyone tell you what the costs would be? And if they did, when last did you check these costs? It is up to you to make sure that you know what you are being charged for. When you get your statement from the bank, ask a consultant for a list of bank charges. This must be available to you.
Always keep your ATM receipts, as well as the receipts that you get when you make purchases and use your card to swipe. Any time you use your bank card, insist on a receipt and keep them to check against your account. Never give anyone your bank account details.
It’s never too late to change. Before you choose a bank, think about what it is that you need from a bank. Once you have done this, take some time to go to every bank and get information on their products and charges. Although this might be time consuming, it is in your best interest to do so, as it will save you a lot of money in the long run.
You can start saving. Even if it is a little at a time. Think about starting small. When we think of saving, we think maybe R500 a month. But even if you start with R20 a month, you can save. Saving money is the best way to make sure that you don’t fall into the dept trap when you may need money in an emergency.
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