The Problem?

The Problem?

Many of our fellow South Africans are financially stressed and are living pay-cheque to pay-cheque.

The average South African is paying up to 75% of their salaries on servicing debt.

This leaves us with almost nothing left to save or to take care of daily expenses and our families financial needs.

Ever-increasing taxes and the rising cost of living add to this already difficult situation.

There are many challenges, but what are the solutions?

About us

About us

We deliver practical debt management and financial planning solutions, and we are committed to improving the Financial Wellness of our fellow South Africans.

Our Smart Money team and other specialists work together to ensure that we can make a meaningful difference in the lives of the people we assist.

Together we help to make a positive difference to these statistics…

of middle class South Africans are financially stressed
of South Africans save enough for retirement
of South African's are Financially Exposed
of Credit active South Africans are living with unhealthy debt

Smart Money Programme

Smart Money Programme

Nobody plans to live a life being stressed by financial worries; however, this is the reality currently affecting most South Africans. 

Smart Money is here to help individuals make Smart Money Choices through education, backed up with tools and resources. You have worked too hard to have nothing left to show for it at the end of each month. We are here to help you put a Financial Action Plan in place that will allow you to achieve Financial Freedom!

Learn more about our Programme

Online Academy

Get access to a range of courses and other multimedia all designed to help educate you on making Smart Money Choices


Upon signing up you will be sent a Smart Money Toolkit that will help get you started on the Programme

Budget Planner

Get access to our Zero-Sum Budgeting application and get your money to work for you

Partner Services

Smart Money has partnered with several companies to give you a comprehensive range of services and products.

Bring the Smart Money Programme to your business

Let us demonstrate as to how we can help employees get on top of their financial challenges and help businesses become more productive with our Corporate Programme!

Smart Money Business!

We’re excited to announce that we will be launching a Business Programme designed to help you launch and grow your business in Spring 2018

Budget Planner

Budget Planner

Our Smart Money Budget Planner works on the method of Zero Sum Budgeting.

We are proud to bring you our personal and financial planning application packed with features to help you start making Smart Money Choices!

This is budget planner that tells your money what job to do, not report where it went!

Get access to this Budget Planner by signing up to our Smart Money Programme