The 2018 budget speech was delivered on 21 February 2018 by then Finance Minister Malusi Gigaba, who described it as “a tough, but hopeful budget”. With the government looking to raise an additional R36bn in taxes for 2018/2019, this is how it will affect ordinary South African citizens.

There is no doubt that Christmas is an expensive time of year for all. By the time the New Year ticks over most of us probably refuse point blank to look at our bank statements and dread the ‘January Blues’.

Times are tough and debt is rising in many households. Marthinus Fourie MD of bsmart offers some good advice on how to beat the debt bug in the coming year.