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Don’t make the dreaded mistake of spending more money than you have.

The festive season does not have to leave a spiralling hole of debt in its wake.

“Overspending is like that irritating debt pebble in your ‘financial shoe’. It is best to avoid any overspending this Christmas because it can have major implications on your cashflow and budget in the long run,” said DebtSafe’s marketing and sales manager Matthys Potgieter.

Sheriffs are representatives of the court and as such, you must follow their instructions or you may be liable for prosecution and further costs.

The festive season is a time of joy. But it can also bring an increased risk of incidents such as car accidents, theft and other crimes. Follow these tips below to ensure that you have a safe and happy time with your loved ones.

Staying safe on the roads

Road accidents increase dramatically over the festive season, claiming hundreds of lives. To stay safe, make sure that:

HIV/AIDS Awareness Month

With gender-based violence on the rise in South Africa, the need to protect the reproductive health of women is an urgent one.

Gender-based violence (GBV) negatively affects a woman’s ability to make choices about her body, her sexual health and how to take care of it.

HIV/AIDS Awareness Month

At the age of 19 years, Sibonelo Dube discovered that he was infected with HIV and he has now been living with the virus for 13 years.

As South Africa emerges from a year of difficulty and uncertainty we can declare with confidence that our country is still a land of untapped opportunities.

This year we experienced ups and downs but we can smile knowing that we have triumphed in certain areas. There is hope.

At the beginning of this year, we launched an ambitious investment drive to raise $100 billion in new investment over the next five years.

Whilst South Africa has the largest HIV epidemic in the world, with about 19 percent of the global number of people living with HIV, 15 percent of new infections and 11 percent of Aids-related deaths, it also has the largest treatment programme in the world, accounting for 20 percent of people on antiretroviral therapy globally.

The country also has one of the largest domestically funded programmes, with about 80 percent of the Aids response funded by the government. Below is a timeline of significant developments in South Africa’s fight against HIV/Aids over the years.

Unemployed, without a roof over their heads, and often separated from their families, homeless people are amongst the most disadvantaged members of society.

While many homeless shelters offer only a temporary solution, a new pilot project in Cape Town is showing that homeless people can be turned into productive members of society.

The stark reality of there not being enough jobs in South Africa for all citizens means that people need to start their own initiatives to survive.

A lack of job opportunities and stark poverty, coupled with an abundance of land suitable for farming, led to the establishment in 2006 of the Ixhiba co-operative by six women in the Imbali township near Pietermaritzburg.