Quick Hot Tips

• Stokvel Tip: Avoid making your stokvel or banking intentions public knowledge on social media. Tell only those who need to know.

• Stokvel Tip: Whenever possible, make use of cellphone and Internet banking to limit your trips to the ATM, which can expose you to criminals.

• Stokvel Tip: At a time of spiralling debt, making smart use of stokvels to pay off personal debt and free up cash flow is a wise path to financial freedom.