Most of us don’t spend too much time thinking about insurance, and we can’t blame you, because it is something that only comes into play when life throws you unexpected curveballs. And that is exactly why we should be thinking about insurance more often - the unexpected. Insurance is a crucial part of life, whether we like it or not.

So, you’ve got a bsmart card! That means you’re well on your way to saving some big bucks when spending your hard earned cash! Whether you’re buying the absolute necessities or splurging on something nice, be sure to swipe your bsmart card to boost your savings.

You work so hard to put money in the bank and food on the table. And when it comes to buying groceries, every person has their own way of tackling this monthly and sometimes weekly task. We’ve got a few pointers that could make your shopping trip a whole lot easier and even put a few of your hard-earned bucks back in your pocket.

A large percentage of South Africans don’t know their credit score and aren’t aware that it can impact future borrowing. At bsmart, we want to help our members be financially responsible, and so we’ve looked at what industry experts have to say about credit scores – what they are, why they are important and how to improve them.

Ah, Black Friday. Who can resist the lure of thousands of insane specials on all those goodies you’ve been eyeballing? We don’t blame you. And the real beauty of it is that it coincides perfectly with your bsmart cashback payout – cash that can be spent at any number of our partners who will be running incredible Black Friday sales.

We humans are simple creatures. We live for the “buzz” – that warm feeling we get from buying a shiny new toy, or that sparkly thing we’ve always wanted. Scientists call it a shopping high, but it’s really just a chemical reaction in our brains that’s not much different to rewarding our pet pooch with a tasty treat every time he sits. It’s the dopamine rush that makes it feel so good. But, you may ask, isn’t that what it’s all about? I work hard to save money for the things that bring me pleasure. I deserve to reward myself, don’t I?

In our cash-strapped society, which is now also experiencing a technical recession, South Africans are constantly looking for smarter ways to save and spend. With the pressure mounting to get more for less, consumers are becoming increasingly wary of their spending and saving habits.

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