Smart ways to save Capitec

 

Whether you’re saving for lobola, building your emergency fund or putting money away until you decide what to do with it, these tips can help you grow your savings.

51% of you told us that debt is your biggest worry, while 26% said you had no savings. And because 77% of you didn’t have enough cash, you didn’t save.

Can you free up some money and start saving? Try some of these ideas:

 

Reduce your debt

Every cent you don’t pay towards debt is one more you can add to your savings. Prioritise paying off your debt that has the highest interest, as well as debt that you may be close to paying off first. Then start working on the remaining debt with the money you have freed up.

Bank smarter

Cash is expensive, so use free or cheaper electronic channels instead. If you need to draw cash, do so at Checkers, Pick n Pay, Shoprite or Boxer till points for only R1.61.

You can pay your accounts, buy groceries and make other purchases using your Global One card for free. If you want to save time and money, debit orders cost less than withdrawing cash at an ATM.

See where you can save

Review your budget to see where you can save. Are there regular activities you can cut back on? For example, if you eat out with friends quite often, why not invite them over for a shared home-cooked meal instead?

 

Use or ditch your loyalty programme

If your loyalty programme offers you discounts on purchases, then use it to save even more and put the money you save towards your savings goal. If you’re not getting any benefit from it, then get rid of it. Find out what your loyalty programme is costing you.

Ask for a discount

You could save just by asking for a discount. Use these ideas to pay less when shopping for clothes, flights or a home.

Sell it

If you have anything you’re not using that you could get money for, why not sell it? You can use websites such as Takealot.com, OLX or Gumtree to sell your used goods for cash.

 

Open a savings plan

You’ll need somewhere to put all the money you’ll be saving. With Global One, you can earn interest on your daily balances and get up to 4 extra savings plans, name them and use them to save for various purposes.

Read More

7 steps to a great credit score ClearScore

 We explain why your credit score might be low and give you 7 simple steps to help you improve it.

Your chances of being accepted for the greatest financial products (such as bonds/home loans, credit cards, and loans) may be increased with a higher credit score. So, it is always worthwhile to try to improve your credit score.

Here are 7 quick measures you may do to raise your credit score if you want to continue working on it:

1. Keep your credit utilisation low

For a better credit score, Be careful not to utilize all of your credit at once. Maintaining a low credit card usage rate—ideally always under 50%—proves to lenders that you can responsibly handle your credit. By login into your account, you may check how much of your credit you've used. ClearScore account.

2. Get organised

Forgetting to pay bills can damage your credit score. Setting up direct debits to pay your utility bills, phone and credit card payments means you can relax, and your credit score will be all the better for it.

3. Fix mistakes on your report

If you have any mistakes on your report (such as a typo in your name or a wrong address) then it can affect your credit score. For example, if your name is wrong on your credit report, some of your credit accounts may not be correctly matched with your report. This means your credit score won’t benefit from any positive behaviours associated with these accounts.

By checking your credit report, you can spot (and fix) any mistakes. To do this, visit the help section of our website, and tell Experian what’s wrong by raising a dispute. You can read more information on our FAQ page.

4. Look out for fraud

By regularly monitoring your credit report, you can check for signs of financial fraud. If you have been a victim of identity theft, there will be evidence of it on your report, such as new credit accounts you didn’t set up or enquiries on your report you don’t recognise.

5. Actively monitor your score

Lenders share all sorts of information about you with credit bureaus, who store this data so it can be used to assess your credit risk. ClearScore partners with Experian, which is one of four major credit bureaus in South Africa. The other three are called TransUnion, Compuscan and XDS. It’s worth checking in with all four companies to get a good overall view of your finances. Some provide access to your data with a free trial (but remember to cancel your subscription before the free trial ends).

6. Plan ahead when you need credit

Credit applications result in enquiries on your credit report, and too many could negatively impact your score. By planning in advance, you get your credit report in shape before making an important credit application. This will improve your chances of being accepted, which will help keep your credit score intact.

7. Build your score – use a credit card little and often

Using credit responsibly is a key element to building your score. Keeping your credit card active, by spending small amounts and paying them off each month, makes you appear more attractive to lenders. This is because it shows you can reliably pay back the money you borrow.

Get started by checking your credit card offers on ClearScore. The products we show you are tailored to your credit score and financial situation, to make sure you get the right product for you.

Read More

FNB: Call Centre Agent

 

The goal of telephone conversations with clientele is to deliver precise product information in accordance with protocol guidelines.

Requirements

Grade 12 is required as a minimum.

2 years of experience in the relevant field.

A person cannot be an insolvent with no hope of recovery.

responsibilities and obligations

Drive significant expansion and profitability within the framework of cost control.

Expenses and costs should be managed within the agreed budget to generate cost savings.

Provide great service that goes above and beyond what the customer expects by using timely, suitable, and inventive solutions.

All client inquiries should be promptly and effectively resolved.

To drive and hit pertinent product and service goals, maintain expert knowledge on particular items, pricing, application procedures, processing, and schedules.

Make sure all communications with clients are courteous and professional.

Make that client investigation timelines are met, and the consultant consistently communicates with the client.

APPLICATION

APPLY

Read More

TOYOTA LEARNERSHIP PROGRAM

 

Location: Durban, KwaZulu-Natal

Position: Learner Maintenance

Closing Date: 31 March 2023

RESPONSIBILITIES:

The following training will be completed by the learners in this program:

Work collaboratively. the capacity for teamwork

. Keeping hand tools safe

. Production and assemblage

REQUIREMENTS:

N3-N6 National Technical Certificate

Math and physical science or engineering science, electrical Trade Theory, mechanical trade theory, or motor trade theory, mechanical drawing, and graphic design for matriculation or technical matriculation

APPLICATION

APPLY

Read More

SABC internship programs 2023/24

 

About Us

The South African Broadcasting Corporation (SOC) Limited ("The SABC"), which was founded in August 1936, is a public broadcaster (described as a "major public entity" in Schedule 2 of the Public Finance Management Act No. 1 of 1999, or "PFMA") with the responsibility of informing, educating, and entertaining the South African public. The Independent Communications Authority of South Africa ("ICASA") Regulations and license conditions, which provide five television channels and 18 radio stations, are based on the statute known as The Broadcasting Act (The Act), and they contain the requirements placed on the SABC.

Our Vision

To establish oneself as the continent's and the country's premier, most trustworthy voice.

Our Mission

a national public broadcaster that is digitalized, high-performing, and financially stable and that offers engaging news, entertainment, and instructional content across all platforms.

Our Values

• Respect
• Trust
• Integrity
• Quality

Opportunities

• Intern Economics Business Reporter APPLY

• Intern Multimedia Reporter APPLY

• Intern Producer/Writer APPLY

•  Intern Multimedia Reporter APPLY

• Internship On Air Creatives x 2 APPLY

• Internship Content Coordinator: x2 Radio /TV (Sport Content) APPLY

• Internship Multimedia Reporter (MP) APPLY

• Internship: Video Journalist X 4 APPLY

• Internship Information Systems X2 APPLY

• Interns Mobile Producer X2 APPLY

• Intern Bulletin Writer RSG APPLY

• Internship Video Editor X 3 APPLY

• Intern Producer APPLY

• Intern Digital Data Analyst APPLY

• Intern Producer RSG x2 APPLY

• Interns Multimedia Producer X2 (GP) APPLY

• Interns Multimedia Reporter (NC) APPLY

• Interns Multimedia Reporter APPLY

• Intern Bulletin Writer- Radio News X5 APPLY

• Interns Multimedia Reporter (KZN) APPLY

• Intern Vision Controller X 2 APPLY

• Intern Operator x 2 APPLY

• Intern Multimedia Reporter (WC) APPLY

• Internship : Archivist x 3 APPLY

• Internship Vision Mixer x 2 APPLY

All the best!

Read More

In Service Trainee - Brewing

 Immediate Superior: Majobe Pasha

Job Grade: 3
Location: Sedibeng
Function: Supply Chain
Sub Function: Supply Chain - Other Function
Type of Contract: Fixed Term

 

Key performance areas:

Safety, Health & Environment

To ensure a safe working environment where all legal requirements are met in a socially responsible manner.

▪ Use PPE

▪ Report incidents

▪ Adhere to safety and housekeeping standards

Key responsibilities linked to Inservice Trainee Program:

▪ Good verbal and written communication

▪ Good problem-solving skills

▪ High energy level with love for challenge and improvement

▪ PC literacy

▪ Ability to communicate effectively at different organizational levels

▪ To ensure that effective teamwork occurs within and across shifts and teams at different levels.

▪ Handover to the Operator of the next shift communicating performance, problems and changes that may impact on the shift.

Process Operations:

▪ To ensure that the Supply chain process areas are operated in and optimal manner to achieve production targets.

▪ Adhere to the shift, daily and weekly departmental plans and raise the alarm if there is a deviation.

▪ Inspect process equipment and ensure that it is available and set up for startup and production according to plan.

▪ Carry out walk about inspections and act on deviations.

▪ Measure and record process inputs, outputs, and changes, and take appropriate action where required.

▪ To ensure the effective maintenance of the work area and equipment to meet production targets.

▪ Identify and communicate non-routine and breakdown maintenance tasks to relevant personnel.

 ▪ To ensure compliance to product quality standards.

▪ Take samples, perform quality analysis, and record data as required against laid down methods and procedures. 

▪ Perform and ensure adherence to reference sample analysis requirements and standards.

 

The Company’s approved Employment Equity Plan and Targets will be considered as part of the recruitment process. As an Equal Opportunities employer, we actively encourage and welcome people with various disabilities to apply. HEINEKEN South Africa is committed to an organisational culture that recognises, appreciates and values inclusion and diversity. You must be fully eligible to live and work in South Africa to apply.

APPLICATION

APPLY

Read More

The FNB Learnership Program 2023-2024

 Then a career within the banking sector may suit you perfectly.  There is a variation of options to consider at FNB. With a learnership from FNB, it is possible to fast-track your career, within the banking sector.

Selected candidates will have the opportunity to increase their experience, as well as an understanding of all workings within the financial sector.  Successful applicants will learn about service delivery, building gratifying relationships with customers, as well as the culture and innovativeness of the banking sector.

They will also see the workings of all levels of managing, work on cost-effective solutions to aid with financial problems.  Additionally, they will learn about the completion of documentation, required forms for an assortment of dealings, including reporting, updating, planning, loans, cashier workings, administration and much more.

Banking compromises of an exciting career, whether you choose to be in credit management, a test analyst, a cashier, a SAP banking specialist, or partake in CIB operations. Candidates within all these fields will gain great knowledge and hands-on solutions.

The FNB learnership program offers talented individuals an educational experience bridging the gap between studies and the workforce. They seek candidates willing to learn, seeking challenges and leadership. If this is you, join their winning team and make a great career choice.

FNB Learnership Available

FNB offers learnership to talented and qualifying candidates in a wide field of career paths. Yearly they have a variety of fields made available to aid individuals in bridging the gap between studies and the workforce. They may not offer all learnership candidates permanent positions, but some may get the opportunity to join the company. This will depend on the need at that time.

The following fields may be made available and others as well:

• Information Technology
• Business Analyst
• Project Management
• Testing
• Finance Advisor
• Bank Teller
• Accounting
• Customer Service
• Marketing Manager
• Loans Officer
• Home Loans Officer
• Branch Manager
• ATM Technician
• IT Business Analyst
• Debt Counselor
• Treasury Analyst

FNB Learnership: Requirements

To apply for any of the mentioned career paths or any other made available by FNB, interested individuals must ensure that they meet all stipulations. These set stipulations are only the basic requirements, however depending on the field applying for there may be additional requirements to be met.

Candidates must meet the following requirements to apply:

• You must be South African citizens
• Applicants must hold a valid Matric
• All applicants must have a valid ID document
• Applicants must hold a degree or certifications within field applying for (where applicable)
• All applicants must not have any criminal record
• Applicants must have exceptional communication skills
• You must be able to communicate with clients
• Applicants must be able to deliver professional services
• All applicants must be competent and thorough
• Applicants must be able to work under pressure and meet deadlines
• All applicants must be able to work as part of a team and individually
• Applicants must be able to do planning and administrative duties as required

Applicants must also have the following attributes:

• All candidates must be friendly and helpful
• Candidates must be ethical
• You must work effectively
• Candidates must be innovative
• All candidates must take accountability for their actions
• Candidates must be reliable and trustworthy

FNB Learnership: Application

FNB learnerships applications online are opened when the company has a need. Talented candidates that meet all stipulations as set out by the company can apply via this link. Visit their webpage for more information, to apply and other opportunities.

Working within such a stable and large concern in South Africa gives candidates great working knowledge. Join a learnership program that has so much to offer and excel in life. Only shortlisted candidates will be contacted. Thus if you do not hear anything from the company within 3 months of the closing date, candidates may take their application as being unsuccessful.

FNB Learnership: Closing Date

This program provided by FNB is made available yearly to candidates during May and August. Candidates must please remember to attach their documentation, sign the form and complete all fields on the application.

FNB offers great learning opportunities for candidates, developing their skills and readying them for the workforce. If you meet all requirements as stipulated by the company and they have a learnership available within your field, you may apply. Good luck to all candidates, may your dreams become a reality.

Read More