Finance: Black Friday deals are starting early

Sarah Nicholson, Head of Customer Experience at JustMoney, shares practical advice on navigating early Black Friday deals, spotting genuine discounts and avoiding unnecessary spending and debt. Early Breakfast with Africa Melane is 702’s and CapeTalk’s early morning talk show. Experienced broadcas…

What investing a R1000 a month will get you

Sean Kelly, Director at Parity Wealth Managers, explains how South Africans can take their first steps into investing, even with R1,000 a month. We explore where beginners should start, how to choose an investment, what returns are realistic, and how to understand the risks, fees, taxes and scams t…

Finance: Managing debt when lenders say no

Guest: Nita Morgan | Director of Prime Loans With 67% of credit applications rejected in the quarter to June 2025, how can South Africans make informed borrowing decisions and avoid falling deeper into debt? Africa Melane speaks to Nita Morgan, CEO of Prime Loans, about rejected applications, unde…

Finance: SA's Tax rates seem quite disproportional

Africa Melane speaks to Sean Kelly, director at Parity Wealth Managers, about the real financial burden facing South African households beyond their PAYE deductions. They discuss indirect taxes, private household costs, disposable income, the comparison with Germany, and the impact of bracket creep…

Finance: This is what happens when you miss a Buy Now, Pay Later payment

Buy Now, Pay Later can make everyday purchases feel more manageable, but what happens when you miss a payment? As BNPL payment behavior is set to be reported to credit bureaus from February 2027, we look at the consequences of missed payments, what consumers should do if they fall behind, and when …

Finance: 64% of South Africans are saving cash at home

Zain Johnson speaks to Thabo Hollo, Old Mutual Senior Programme Manager, about why more South Africans are keeping their savings in cash. Old Mutual’s 2026 Savings & Investment Monitor found that 64% of working South Africans surveyed have unbanked cash savings, compared with 40% in 2021. They unpa…

Finance: When gambling becomes a financial lifeline

As the cost of living continues to squeeze household budgets, more South Africans appear to be turning to gambling in the hope of making ends meet. Old Mutual’s Savings and Investment Monitor 2026 found that 53% of working South Africans gamble, while 42% say they frequently do so hoping to cover e…

Finance: What could a Two-Pot Withdrawal cost you

Africa Melane speaks to Sean Kelly, Director at Parity Wealth Managers, about the two-pot retirement system and whether South Africans should consider making a withdrawal during the 2026/27 tax year. They unpack how the system works, how much you can access, the tax implications and the potential l…

Finance: Till debt do us part? The real cost of saying "I Do"

After last week's conversation about a celebrity crowdfunding her wedding, we heard from countless listeners who admitted they know of someone who has borrowed money or took out loans to pay for their weddings. With the average South African wedding costing tens of thousands of rand, how do you cel…

Finance: Study finds 87% of South Africans lack a three-month financial safety net

Many South Africans know they should be saving, but soaring living costs are making it increasingly difficult. Africa Melane speaks to Nita Morgan, Director of Prime Loans, about balancing savings with responsible credit, avoiding illegal lenders, and building financial resilience during tough econ…