How to improve your credit score (And see which Mondo deal you’re approved for before applying.)

Sustainable Smartphones of 2025–Green Brands Worth Your Money

Ready to go green? Check out our 2025 ranking of Samsung, Apple, and Huawei’s best sustainable smartphones and find the perfect eco-friendly match.Safe Smartphones As new smartphones hit the market faster than ever, an important question arises: Are brands cutting corners, or are they genuinely choosing sustainable, toxin-free materials?With leading brands like Samsung, Apple and Huawei investing heavily in greener technology, today’s devices deliver both powerful performance and a planet-friendly footprint.If your main concern when getting a new phone is recycled materials, energy-efficient features, toxin-free smartphones or trade-in programmes that keep e-waste out of landfills, we’re about to break down the best eco-conscious smartphones available in South Africa.Ready to make a smarter, greener choice? Keep reading to explore how these brands are redefining sustainability and which phone could be your next eco-friendly upgrade.Samsung: Big on Innovation and SustainabilitySamsung has been sprinting toward a greener future for some time now. The brand has been conscious about advancing its sustainability goals with a strong focus on product design and energy efficiency. By the end of 2025, the brand aims to integrate recycled materials across all Galaxy products and eliminate plastic from device packaging entirely. Another major target for the brand is to reduce the standby power consumption on smartphone chargers to below 0.005 watts.In practice, Samsung has already made notable strides. The company repurposes discarded fishing nets and uses them as components in smartphones, tablets, laptops and earbuds- supporting both ocean conservation and responsible production.Samsung’s Galaxy Upcycling programme is another key initiative, giving older devices a new purpose rather than contributing to e-waste.The Samsung Galaxy S25 is a standout example of this eco-conscious approach. It’s the first Galaxy device to feature recycled cobalt and was recently recognised with the 2025 Design for Recycling Award from the Recycled Materials Association, further highlighting Samsung’s leadership in sustainable tech.Even better, if you’re already using Samsung devices in your home, there’s even more reason to stick with the brand. Samsung has introduced smart features designed to make your everyday habits a little greener. For example, the SmartThings Energy app helps you monitor and manage your energy usage across compatible devices, so you can track what’s using the most power and tweak your habits accordingly.Even their washing machines are getting a green glow-up. The Less Microfibre Cycle, available on select Samsung washers, reduces microplastic pollution from synthetic clothes. These tiny plastic fibres often end up in our waterways, where they harm marine life and contribute to pollution.It might seem like a small change but it’s one with real impact. By simply switching to this cycle, you can help cut down on hidden environmental damage.Samsung isn’t just selling devices, they’re building an ecosystem that supports a more sustainable lifestyle.Apple’s Green Mission: Big Tech, Smaller FootprintApple is reengineering its entire ecosystem for a greener future. With the goal of achieving 100% carbon neutrality across its product lifecycle and supply chain by 2030, it won’t be long before every Apple product carries a net-zero carbon footprint. Apple is taking full accountability for its climate impact and leading the way toward a carbon-neutral tech future, a huge step in fighting global warming and promoting sustainability.But it doesn’t stop there. Apple’s Daisy robot is an unsung hero, disassembling old iPhones to recover valuable materials like cobalt and lithium to reuse rather than drain resources. Since 2019, Daisy has rescued thousands of kilograms of these critical components, reducing the need for mining and keeping precious metals in circulation.Recycled materials are also getting their moment in the spotlight. The new iPhone 16e, for instance, is made with over 30% recycled content, including 85% recycled aluminium in the enclosure. It’s proof that sustainability can look just as good as it feels.On the energy front, Apple’s operations already run on 100% renewable energy and it’s nudging suppliers to follow suit. In 2024, suppliers sourced nearly 18 gigawatts of clean power, helping eliminate millions of tons of greenhouse gas emissions. Not bad for a company known for keeping things charged.Now, let’s talk packaging. Over 98% of Apple’s packaging is now fibre-based, using recycled or renewable materials that ditch plastic without compromising on that premium unboxing experience.Sustainability at Apple has been thoroughly baked into the product, process and packaging.Huawei: Quietly Crushing the Green GameHuawei has been in the sustainability game since 2013. One of their biggest moves? Swapping out regular plastic for bioplastics made from castor oil. These greener materials cut carbon emissions by over 60% which is a big win for the planet.Across its product range, Huawei now uses 14 eco-friendly materials like recycled aluminium, cobalt, tin and even FSC-certified paper, meaning it’s not just the phones that are smart, it’s the  packaging too.Speaking of packaging, Huawei has ditched disposable plastic wherever possible. They’ve swapped plastic films for water-based coatings, saving around 13 tonnes of plastic for every 10 million phones produced. That’s a lot of bubble wrap not floating around the ocean.They’ve also slimmed down their user manuals by as much as 88%, which means less paper, less waste and more trees left standing.On the durability front, Huawei isn’t into fast fashion tech. Devices are built to last, with ongoing software updates, easy-to-access battery replacements and repair services that keep your device working for longer. Since 2020, they’ve helped extend the life of over 10 million devices.And thanks to their global trade-in programme, nearly half a million old devices have been refurbished and resold since 2015. That’s a second life for smartphones that might’ve otherwise gathered dust – or worse, ended up in landfills.Huawei’s approach to sustainability is woven into everything from design and materials to packaging, repairs and recycling, proving that tech can be powerful and planet-friendly.Affordability and Sustainability in South AfricaIn South Africa, sustainable smartphones are becoming a deal-breaker, especially for prepaid users and budget-conscious buyers. Inflation and load-shedding have reshaped spending habits, making value-for-money more important than ever.Samsung is answering the call with entry-level smartphones that deliver eco-friendly perks like energy-efficient charging, recycled materials and e-waste take-back programmes. The Galaxy A series shows you don’t need to splurge to make a green choice.And while Apple isn’t the cheapest option, models like the iPhone SE offer durable builds, long software support and excellent resale value, helping you upgrade less often and cut down on e-waste, all while ensuring the quality remains top-tier.Huawei is impressing shoppers too with phones that balance affordability, long battery life and repair-friendly designs. It’s proof that everyday performance and sustainability can go hand in hand without flashy price tags.Your Next Phone Can Help Save the PlanetSustainable smartphones aren’t just a nice-to-have anymore, they’re quickly becoming a must-have for South African consumers who care about cost, performance and the planet. From Samsung’s innovative use of recycled fishing nets to Apple’s long-term carbon goals and Huawei’s bioplastics, each brand is carving out its own path toward a greener, smarter future.The exciting part of it all is that no matter your budget, there’s now a growing range of eco-conscious devices that don’t compromise on quality, style or features. Even small changes such as recycled materials or energy-saving mode can have a massive impact over time.As sustainability continues to shape the future of tech, the power to choose wisely is quite literally, in your hands.Ready to go green with your next upgrade? Explore our top smartphone deals and find the one that fits you, here.FAQs1. What makes a smartphone sustainable?A sustainable smartphone is designed with the planet in mind. Think recycled materials (like plastic or aluminium), energy-efficient features, longer software support and packaging that ditches unnecessary plastic. Brands like Samsung, Apple and Huawei are leading the way with greener designs and smarter production.2. What is the most sustainable smartphone brand in South Africa?Samsung leads the way in South Africa with a wide range of sustainable smartphones, including models made from recycled materials and supported by energy-saving features. Huawei also offers eco-friendly devices at budget-friendly prices while Apple stands out for durability and long-term software support.3. Are eco-friendly smartphones more expensive?No, that’s a common misconception. While it can be the case, brands like Samsung and Huawei offer affordable models that include recycled materials and energy-efficient features. While premium devices like the iPhone may cost more upfront, their long lifespan and software support often make them more sustainable over time.4. How do sustainable smartphones help the environment?Sustainable smartphones reduce e-waste by using recycled materials, offering longer software support and promoting trade-in or recycling programmes. Some also include energy-saving apps or features that help lower your carbon footprint during everyday use.5. Does Apple offer trade-in or recycling programmes in South Africa?Yes, Apple runs a global trade-in programme that allows customers to return old devices for credit or recycling. They also use recycled aluminium, cobalt and other materials in newer models like the iPhone 16e, which supports their goal to be carbon neutral by 2030.Reference:https://www.samsung.com/global/sustainability/focus/products/mobile/https://www.apple.com/environment/https://www.apple.com/za/iphone-16e/https://www.huawei.com/en/sustainability/the-latest/stories/smart-device-e-waste-recycling

Struggling With Debt in SA? Here’s Your 2025 Guide to Debt Review

Drowning in debt? You’re not alone. Here’s how debt review in South Africa works, who qualifies, what it costs, and how it can help you breathe again — updated for 2025.You’re Not Failing — You’re Taking Back ControlDebt can feel overwhelming — like a never-ending cycle of stress and bills. But there’s a legal way out, and it’s helped millions of South Africans take back control of their finances. It’s called debt review, and if your debt is keeping you up at night, this might be the lifeline you need.Let’s break down exactly how it works, who qualifies, what it costs, and what life looks like after debt review.So… What Is Debt Review?Debt review (also known as debt counselling) is a legal debt rescue plan introduced by the National Credit Act. It helps people who are over-indebted — meaning you’re earning money but still can’t afford to cover your monthly debt payments and basic living costs.With the help of a registered debt counsellor, your debts get restructured into one simplified monthly payment — at reduced interest rates — and you get full legal protection from creditors while you pay things off at your own pace.The Big Wins:✅ No more creditor calls or court threats✅ One lower monthly payment — not five or ten✅ Reduced interest rates✅ Court-approved, legally binding repayment plan✅ No new debt allowed while you’re in the process (for your own good)Who Can Apply?If you're working and overwhelmed by your monthly debt obligations, debt review might be for you.You’ll need:A steady income (salary, pension, or business income)To live in South AfricaTo be over-indebted (your income doesn’t cover all your debts + essentials)Heads up:Married in community of property? Your spouse must apply with you.Blacklisted? No worries — you can still qualify.Self-employed? You’ll need to show consistent income for a few months.How It Works — Step-by-Step1. Chat to a Registered Debt CounsellorOnly work with someone officially registered with the National Credit Regulator (NCR). You can double-check them on the NCR website. Avoid dodgy operators!2. Get AssessedYour counsellor will check your income, debts, and expenses. If you qualify:They’ll file your application (Form 16)Let your creditors and credit bureaus knowPause any legal action while your application is being processed3. Get a Custom Payment PlanYour counsellor will:Negotiate lower interest rates with your creditorsRestructure payment terms so your monthly instalment fits your budgetCombine your debts into one monthly paymentEnsure you’ve still got money left for groceries, rent, and transport4. Legal ApprovalYour new plan is submitted to court. Once approved, all creditors must follow it. You’re now protected — and on track to becoming debt-free.5. Pay One Amount Each MonthYour monthly payment goes to a Payment Distribution Agency (PDA). They split it between your creditors, as per the plan.How long does this take?Setup: 1–3 monthsRepayment period: Usually 2–5 yearsTotal journey: Most people finish within 24–60 monthsThe BenefitsFull Legal ProtectionNo more:Garnishee ordersRepossession threatsCalls from angry creditorsCourt judgments related to debtLower Monthly PaymentsYour monthly debt bill could drop by 30–50% thanks to:Reduced interest rates (from 20% down to 5–10%)Longer repayment termsWaived creditor feesBetter Cash Flow = Less StressMore room in your budget = more peace of mind.You’ll sleep better, breathe easier, and have cash for basics again.Avoid BankruptcyDebt review is often a much better alternative to sequestration. No permanent blacklisting. No asset loss (as long as you stick to the plan).Professional SupportYou’re not doing this alone. Your debt counsellor will:Negotiate with creditorsHelp you stick to your budgetTrack your progressOffer support whenever you need itThings to Keep in MindYou Can’t Take on New CreditWhile under review, you can’t open new accounts or take loans. This is part of your protection, not a punishment.There Are FeesDebt review isn’t free, but the fees are regulated and built into your repayment plan:One-time application & restructuring feesMonthly service feesLegal fees for the court orderA good counsellor will explain all of this upfront — no nasty surprises.Your Credit Record Will Show ItWhile under review:A flag appears on your credit reportYou may struggle to get rentals or credit-based servicesBUT: This gets removed after you complete the plan and get your clearance certificate 🎉Avoiding PitfallsSadly, over 1.3 million South Africans are stuck in debt review limbo — flagged but not actively repaying. Here’s how to avoid that:✅ Choose a legit, responsive counsellor✅ Stick to your repayment plan✅ Talk to your counsellor if your income changes✅ Don’t miss payments — they’re your lifeline✅ Use bonuses or windfalls to pay extra when you canAfter Debt Review: What Comes Next?You Get a Clearance CertificateOnce you’ve paid off everything in your plan, your counsellor gives you a Form 19 Clearance Certificate. This:Clears the debt review flagWipes negative listings from your credit recordTells credit bureaus you’ve completed the processRebuild Your Credit (Slowly & Smartly)Wait 2–3 months before applying for new creditStart with a small accountPay on time — in fullMonitor your score regularlyKeep spending under controlStay Debt-FreeNow that you’re free:Keep budgeting like a proBuild an emergency fundOnly use credit if you need itInvest in your financial wellnessFAQsCan I exit early?Only if you settle all your debt or get a court order — not easy, not cheap.Can I apply if I’ve lost my job?No income = no debt review. But if you lose your job during the process, your counsellor can pause or adjust your plan temporarily.Can I buy a car or home during debt review?Nope. But once you’re done and cleared, yes!Does it cover all my debts?Mostly unsecured debts (credit cards, loans). Your mortgage and car finance might stay separate but are factored into your budget.Is Debt Review Right for You?Yes, if:You’ve got a steady incomeYou’re behind on paymentsYou’re over-indebtedYou want a structured, legal path to recoveryMaybe not, if:You have no incomeYour debts are small and manageableYou’ve already failed debt review once beforeLet’s Wrap This UpDebt review isn’t a failure — it’s a smart move. It means you’re facing your finances head-on and choosing recovery over avoidance.Thousands of South Africans have already walked this path — and come out stronger on the other side. You can too.Take the first step today. Find a registered debt counsellor on the National Credit Regulator’s website and start building a future that’s debt-free — and stress-free.

Can You Get a Phone Contract with Bad Credit?

Been turned down for a phone contract because of your credit? You’re not alone. Around 80% of South Africans have hit that same wall. Networks have gotten stricter — and if your credit’s taken a few knocks or you’ve been blacklisted, getting a contract can feel impossible.But here’s the good news: you can still get a contract, even with bad credit. You might just need to start small, be smart, and build your way up.Why Networks Say NoGetting a phone contract is a bit like applying for a loan. When you go for a R10,000 device on a 24-month deal, the network’s taking a risk — and they want to make sure you’re good for it.What They Check:Any missed payments or defaultsJudgments or collections under your nameYour overall credit scoreWhether you’re already deep in debtEven if you’ve never had debt before, that can work against you too. No credit history = no proof that you can handle monthly payments. It’s a frustrating Catch-22: you need credit to build credit, but you need credit history to get started.Your Income Matters TooEven with a decent score, you can still be declined if your income doesn’t match the deal you’re going for. Networks want to know that you can comfortably afford the monthly payments and your other bills.For example: If you earn R4,000/month and apply for a R500 contract, that’s more than 10% of your income — a red flag for many providers.When You’ll Automatically Be DeclinedSome things are deal-breakers, no matter what:Debt Review: If you’re under debt counselling, the law says no new credit allowed.Judgments: A court judgment against your name is a straight-up no.Sequestration / Administration: Legal insolvency = not eligible.So, What Can You Do?Here’s how to turn a “no” into a “yes” — even with a not-so-great credit score:Start SmallIf you can’t get a top-end phone right now, don’t stress. Try applying for:A SIM-only contract (no phone, just data & minutes)A deal with a more affordable deviceSIM-only is a great stepping stone. The risk to the network is lower, so your chances of getting approved are higher.Pro tip: Use a smaller deal to prove you’re reliable — pay on time, every time — and you’ll open doors to bigger contracts later.Build Your Payment Track RecordGot a SIM-only or entry-level deal? Great! Now the goal is simple: pay like a pro.Every on-time payment gets reported to credit bureaus, helping you build (or rebuild) your score. After 6–12 months, you could qualify for an upgrade or a better phone.New for 2025: Smarter Scoring, More OpportunityMTN and TransUnion recently launched a game-changing feature: Telco Data Score. It looks at your mobile behaviour — like how often you recharge, call, and use data — instead of just your credit history.That means:No credit history? No problem.You might qualify based on how you use your phone.It’s early days, but it’s a step towards making contracts more accessible for everyone.5 Steps to Boost Your Approval Odds1. Check Your Credit ReportStart here. It’s free from TransUnion, Experian or ClearScore. Look for:Any mistakes you can fixOld debt you can settleOutdated info you can disputeSmall fixes can lead to big improvements!2. Don’t Apply Everywhere at OnceGetting declined sucks, but don’t spam every network. Each application hits your score.Instead:Wait 3–6 months between triesGo for simpler plans first (SIM-only, cheaper phones)Understand why you were declined before trying again3. Build Credit ElsewherePhone contracts aren’t the only way to build trust:Open a small clothing or furniture store accountTry a secured credit card (with a deposit)Make sure your utilities are in your name and paid on time4. Prove You’re Financially StableBefore applying:Stick with your job (avoid job-hopping)Have your payslips, ID and proof of address readyAvoid applying while under debt reviewPreparation shows responsibility — and that counts.5. Go Prepaid While You PrepCan’t get a contract yet? That’s okay.Use prepaid while you build creditSet aside the amount you’d spend on a contract each monthSave for a deposit to increase your approval odds laterSome providers even let you convert to a contract from prepaid without a new credit check.Talk It OutWith Creditors: If you're struggling with payments, talk to them before they report you. You might be able to set up a payment plan that protects your credit.With Networks: Be honest in your application. Explain your situation. Some providers are willing to help if they see you're serious about improving.How Long Does It Take?TimeframeWhat You Can Do0–6 monthsFix report errors, start a SIM-only deal, pay on time6–18 monthsBuild strong payment history, apply for basic phones18+ monthsAim for top-tier contracts, better terms, latest phonesMistakes to AvoidWant to get approved? Don’t do these:Apply while under debt review (it won’t work)Skip documents or send blurry photosIgnore old debtsJob-hop right before applyingApply to 5 networks in 1 day (your score will take a hit)The Final WordGetting a contract with bad credit isn’t easy — but it’s totally doable. You just need a plan:✅ Check your credit✅ Start small✅ Pay perfectly✅ Upgrade when ready✅ Be patient and consistentYour credit situation doesn’t define you. And every smart move you make brings you closer to that shiny new smartphone deal.

Sustainable Smartphones of 2025–Green Brands Worth Your Money

Ready to go green? Check out our 2025 ranking of Samsung, Apple, and Huawei’s best sustainable smartphones and find the perfect eco-friendly match.Safe Smartphones As new smartphones hit the market faster than ever, an important question arises: Are brands cutting corners, or are they genuinely choosing sustainable, toxin-free materials?With leading brands like Samsung, Apple and Huawei investing heavily in greener technology, today’s devices deliver both powerful performance and a planet-friendly footprint.If your main concern when getting a new phone is recycled materials, energy-efficient features, toxin-free smartphones or trade-in programmes that keep e-waste out of landfills, we’re about to break down the best eco-conscious smartphones available in South Africa.Ready to make a smarter, greener choice? Keep reading to explore how these brands are redefining sustainability and which phone could be your next eco-friendly upgrade.Samsung: Big on Innovation and SustainabilitySamsung has been sprinting toward a greener future for some time now. The brand has been conscious about advancing its sustainability goals with a strong focus on product design and energy efficiency. By the end of 2025, the brand aims to integrate recycled materials across all Galaxy products and eliminate plastic from device packaging entirely. Another major target for the brand is to reduce the standby power consumption on smartphone chargers to below 0.005 watts.In practice, Samsung has already made notable strides. The company repurposes discarded fishing nets and uses them as components in smartphones, tablets, laptops and earbuds- supporting both ocean conservation and responsible production.Samsung’s Galaxy Upcycling programme is another key initiative, giving older devices a new purpose rather than contributing to e-waste.The Samsung Galaxy S25 is a standout example of this eco-conscious approach. It’s the first Galaxy device to feature recycled cobalt and was recently recognised with the 2025 Design for Recycling Award from the Recycled Materials Association, further highlighting Samsung’s leadership in sustainable tech.Even better, if you’re already using Samsung devices in your home, there’s even more reason to stick with the brand. Samsung has introduced smart features designed to make your everyday habits a little greener. For example, the SmartThings Energy app helps you monitor and manage your energy usage across compatible devices, so you can track what’s using the most power and tweak your habits accordingly.Even their washing machines are getting a green glow-up. The Less Microfibre Cycle, available on select Samsung washers, reduces microplastic pollution from synthetic clothes. These tiny plastic fibres often end up in our waterways, where they harm marine life and contribute to pollution.It might seem like a small change but it’s one with real impact. By simply switching to this cycle, you can help cut down on hidden environmental damage.Samsung isn’t just selling devices, they’re building an ecosystem that supports a more sustainable lifestyle.Apple’s Green Mission: Big Tech, Smaller FootprintApple is reengineering its entire ecosystem for a greener future. With the goal of achieving 100% carbon neutrality across its product lifecycle and supply chain by 2030, it won’t be long before every Apple product carries a net-zero carbon footprint. Apple is taking full accountability for its climate impact and leading the way toward a carbon-neutral tech future, a huge step in fighting global warming and promoting sustainability.But it doesn’t stop there. Apple’s Daisy robot is an unsung hero, disassembling old iPhones to recover valuable materials like cobalt and lithium to reuse rather than drain resources. Since 2019, Daisy has rescued thousands of kilograms of these critical components, reducing the need for mining and keeping precious metals in circulation.Recycled materials are also getting their moment in the spotlight. The new iPhone 16e, for instance, is made with over 30% recycled content, including 85% recycled aluminium in the enclosure. It’s proof that sustainability can look just as good as it feels.On the energy front, Apple’s operations already run on 100% renewable energy and it’s nudging suppliers to follow suit. In 2024, suppliers sourced nearly 18 gigawatts of clean power, helping eliminate millions of tons of greenhouse gas emissions. Not bad for a company known for keeping things charged.Now, let’s talk packaging. Over 98% of Apple’s packaging is now fibre-based, using recycled or renewable materials that ditch plastic without compromising on that premium unboxing experience.Sustainability at Apple has been thoroughly baked into the product, process and packaging.Huawei: Quietly Crushing the Green GameHuawei has been in the sustainability game since 2013. One of their biggest moves? Swapping out regular plastic for bioplastics made from castor oil. These greener materials cut carbon emissions by over 60% which is a big win for the planet.Across its product range, Huawei now uses 14 eco-friendly materials like recycled aluminium, cobalt, tin and even FSC-certified paper, meaning it’s not just the phones that are smart, it’s the  packaging too.Speaking of packaging, Huawei has ditched disposable plastic wherever possible. They’ve swapped plastic films for water-based coatings, saving around 13 tonnes of plastic for every 10 million phones produced. That’s a lot of bubble wrap not floating around the ocean.They’ve also slimmed down their user manuals by as much as 88%, which means less paper, less waste and more trees left standing.On the durability front, Huawei isn’t into fast fashion tech. Devices are built to last, with ongoing software updates, easy-to-access battery replacements and repair services that keep your device working for longer. Since 2020, they’ve helped extend the life of over 10 million devices.And thanks to their global trade-in programme, nearly half a million old devices have been refurbished and resold since 2015. That’s a second life for smartphones that might’ve otherwise gathered dust – or worse, ended up in landfills.Huawei’s approach to sustainability is woven into everything from design and materials to packaging, repairs and recycling, proving that tech can be powerful and planet-friendly.Affordability and Sustainability in South AfricaIn South Africa, sustainable smartphones are becoming a deal-breaker, especially for prepaid users and budget-conscious buyers. Inflation and load-shedding have reshaped spending habits, making value-for-money more important than ever.Samsung is answering the call with entry-level smartphones that deliver eco-friendly perks like energy-efficient charging, recycled materials and e-waste take-back programmes. The Galaxy A series shows you don’t need to splurge to make a green choice.And while Apple isn’t the cheapest option, models like the iPhone SE offer durable builds, long software support and excellent resale value, helping you upgrade less often and cut down on e-waste, all while ensuring the quality remains top-tier.Huawei is impressing shoppers too with phones that balance affordability, long battery life and repair-friendly designs. It’s proof that everyday performance and sustainability can go hand in hand without flashy price tags.Your Next Phone Can Help Save the PlanetSustainable smartphones aren’t just a nice-to-have anymore, they’re quickly becoming a must-have for South African consumers who care about cost, performance and the planet. From Samsung’s innovative use of recycled fishing nets to Apple’s long-term carbon goals and Huawei’s bioplastics, each brand is carving out its own path toward a greener, smarter future.The exciting part of it all is that no matter your budget, there’s now a growing range of eco-conscious devices that don’t compromise on quality, style or features. Even small changes such as recycled materials or energy-saving mode can have a massive impact over time.As sustainability continues to shape the future of tech, the power to choose wisely is quite literally, in your hands.Ready to go green with your next upgrade? Explore our top smartphone deals and find the one that fits you, here.FAQs1. What makes a smartphone sustainable?A sustainable smartphone is designed with the planet in mind. Think recycled materials (like plastic or aluminium), energy-efficient features, longer software support and packaging that ditches unnecessary plastic. Brands like Samsung, Apple and Huawei are leading the way with greener designs and smarter production.2. What is the most sustainable smartphone brand in South Africa?Samsung leads the way in South Africa with a wide range of sustainable smartphones, including models made from recycled materials and supported by energy-saving features. Huawei also offers eco-friendly devices at budget-friendly prices while Apple stands out for durability and long-term software support.3. Are eco-friendly smartphones more expensive?No, that’s a common misconception. While it can be the case, brands like Samsung and Huawei offer affordable models that include recycled materials and energy-efficient features. While premium devices like the iPhone may cost more upfront, their long lifespan and software support often make them more sustainable over time.4. How do sustainable smartphones help the environment?Sustainable smartphones reduce e-waste by using recycled materials, offering longer software support and promoting trade-in or recycling programmes. Some also include energy-saving apps or features that help lower your carbon footprint during everyday use.5. Does Apple offer trade-in or recycling programmes in South Africa?Yes, Apple runs a global trade-in programme that allows customers to return old devices for credit or recycling. They also use recycled aluminium, cobalt and other materials in newer models like the iPhone 16e, which supports their goal to be carbon neutral by 2030.Reference:https://www.samsung.com/global/sustainability/focus/products/mobile/https://www.apple.com/environment/https://www.apple.com/za/iphone-16e/https://www.huawei.com/en/sustainability/the-latest/stories/smart-device-e-waste-recycling

Struggling With Debt in SA? Here’s Your 2025 Guide to Debt Review

Drowning in debt? You’re not alone. Here’s how debt review in South Africa works, who qualifies, what it costs, and how it can help you breathe again — updated for 2025.You’re Not Failing — You’re Taking Back ControlDebt can feel overwhelming — like a never-ending cycle of stress and bills. But there’s a legal way out, and it’s helped millions of South Africans take back control of their finances. It’s called debt review, and if your debt is keeping you up at night, this might be the lifeline you need.Let’s break down exactly how it works, who qualifies, what it costs, and what life looks like after debt review.So… What Is Debt Review?Debt review (also known as debt counselling) is a legal debt rescue plan introduced by the National Credit Act. It helps people who are over-indebted — meaning you’re earning money but still can’t afford to cover your monthly debt payments and basic living costs.With the help of a registered debt counsellor, your debts get restructured into one simplified monthly payment — at reduced interest rates — and you get full legal protection from creditors while you pay things off at your own pace.The Big Wins:✅ No more creditor calls or court threats✅ One lower monthly payment — not five or ten✅ Reduced interest rates✅ Court-approved, legally binding repayment plan✅ No new debt allowed while you’re in the process (for your own good)Who Can Apply?If you're working and overwhelmed by your monthly debt obligations, debt review might be for you.You’ll need:A steady income (salary, pension, or business income)To live in South AfricaTo be over-indebted (your income doesn’t cover all your debts + essentials)Heads up:Married in community of property? Your spouse must apply with you.Blacklisted? No worries — you can still qualify.Self-employed? You’ll need to show consistent income for a few months.How It Works — Step-by-Step1. Chat to a Registered Debt CounsellorOnly work with someone officially registered with the National Credit Regulator (NCR). You can double-check them on the NCR website. Avoid dodgy operators!2. Get AssessedYour counsellor will check your income, debts, and expenses. If you qualify:They’ll file your application (Form 16)Let your creditors and credit bureaus knowPause any legal action while your application is being processed3. Get a Custom Payment PlanYour counsellor will:Negotiate lower interest rates with your creditorsRestructure payment terms so your monthly instalment fits your budgetCombine your debts into one monthly paymentEnsure you’ve still got money left for groceries, rent, and transport4. Legal ApprovalYour new plan is submitted to court. Once approved, all creditors must follow it. You’re now protected — and on track to becoming debt-free.5. Pay One Amount Each MonthYour monthly payment goes to a Payment Distribution Agency (PDA). They split it between your creditors, as per the plan.How long does this take?Setup: 1–3 monthsRepayment period: Usually 2–5 yearsTotal journey: Most people finish within 24–60 monthsThe BenefitsFull Legal ProtectionNo more:Garnishee ordersRepossession threatsCalls from angry creditorsCourt judgments related to debtLower Monthly PaymentsYour monthly debt bill could drop by 30–50% thanks to:Reduced interest rates (from 20% down to 5–10%)Longer repayment termsWaived creditor feesBetter Cash Flow = Less StressMore room in your budget = more peace of mind.You’ll sleep better, breathe easier, and have cash for basics again.Avoid BankruptcyDebt review is often a much better alternative to sequestration. No permanent blacklisting. No asset loss (as long as you stick to the plan).Professional SupportYou’re not doing this alone. Your debt counsellor will:Negotiate with creditorsHelp you stick to your budgetTrack your progressOffer support whenever you need itThings to Keep in MindYou Can’t Take on New CreditWhile under review, you can’t open new accounts or take loans. This is part of your protection, not a punishment.There Are FeesDebt review isn’t free, but the fees are regulated and built into your repayment plan:One-time application & restructuring feesMonthly service feesLegal fees for the court orderA good counsellor will explain all of this upfront — no nasty surprises.Your Credit Record Will Show ItWhile under review:A flag appears on your credit reportYou may struggle to get rentals or credit-based servicesBUT: This gets removed after you complete the plan and get your clearance certificate 🎉Avoiding PitfallsSadly, over 1.3 million South Africans are stuck in debt review limbo — flagged but not actively repaying. Here’s how to avoid that:✅ Choose a legit, responsive counsellor✅ Stick to your repayment plan✅ Talk to your counsellor if your income changes✅ Don’t miss payments — they’re your lifeline✅ Use bonuses or windfalls to pay extra when you canAfter Debt Review: What Comes Next?You Get a Clearance CertificateOnce you’ve paid off everything in your plan, your counsellor gives you a Form 19 Clearance Certificate. This:Clears the debt review flagWipes negative listings from your credit recordTells credit bureaus you’ve completed the processRebuild Your Credit (Slowly & Smartly)Wait 2–3 months before applying for new creditStart with a small accountPay on time — in fullMonitor your score regularlyKeep spending under controlStay Debt-FreeNow that you’re free:Keep budgeting like a proBuild an emergency fundOnly use credit if you need itInvest in your financial wellnessFAQsCan I exit early?Only if you settle all your debt or get a court order — not easy, not cheap.Can I apply if I’ve lost my job?No income = no debt review. But if you lose your job during the process, your counsellor can pause or adjust your plan temporarily.Can I buy a car or home during debt review?Nope. But once you’re done and cleared, yes!Does it cover all my debts?Mostly unsecured debts (credit cards, loans). Your mortgage and car finance might stay separate but are factored into your budget.Is Debt Review Right for You?Yes, if:You’ve got a steady incomeYou’re behind on paymentsYou’re over-indebtedYou want a structured, legal path to recoveryMaybe not, if:You have no incomeYour debts are small and manageableYou’ve already failed debt review once beforeLet’s Wrap This UpDebt review isn’t a failure — it’s a smart move. It means you’re facing your finances head-on and choosing recovery over avoidance.Thousands of South Africans have already walked this path — and come out stronger on the other side. You can too.Take the first step today. Find a registered debt counsellor on the National Credit Regulator’s website and start building a future that’s debt-free — and stress-free.

Can You Get a Phone Contract with Bad Credit?

Been turned down for a phone contract because of your credit? You’re not alone. Around 80% of South Africans have hit that same wall. Networks have gotten stricter — and if your credit’s taken a few knocks or you’ve been blacklisted, getting a contract can feel impossible.But here’s the good news: you can still get a contract, even with bad credit. You might just need to start small, be smart, and build your way up.Why Networks Say NoGetting a phone contract is a bit like applying for a loan. When you go for a R10,000 device on a 24-month deal, the network’s taking a risk — and they want to make sure you’re good for it.What They Check:Any missed payments or defaultsJudgments or collections under your nameYour overall credit scoreWhether you’re already deep in debtEven if you’ve never had debt before, that can work against you too. No credit history = no proof that you can handle monthly payments. It’s a frustrating Catch-22: you need credit to build credit, but you need credit history to get started.Your Income Matters TooEven with a decent score, you can still be declined if your income doesn’t match the deal you’re going for. Networks want to know that you can comfortably afford the monthly payments and your other bills.For example: If you earn R4,000/month and apply for a R500 contract, that’s more than 10% of your income — a red flag for many providers.When You’ll Automatically Be DeclinedSome things are deal-breakers, no matter what:Debt Review: If you’re under debt counselling, the law says no new credit allowed.Judgments: A court judgment against your name is a straight-up no.Sequestration / Administration: Legal insolvency = not eligible.So, What Can You Do?Here’s how to turn a “no” into a “yes” — even with a not-so-great credit score:Start SmallIf you can’t get a top-end phone right now, don’t stress. Try applying for:A SIM-only contract (no phone, just data & minutes)A deal with a more affordable deviceSIM-only is a great stepping stone. The risk to the network is lower, so your chances of getting approved are higher.Pro tip: Use a smaller deal to prove you’re reliable — pay on time, every time — and you’ll open doors to bigger contracts later.Build Your Payment Track RecordGot a SIM-only or entry-level deal? Great! Now the goal is simple: pay like a pro.Every on-time payment gets reported to credit bureaus, helping you build (or rebuild) your score. After 6–12 months, you could qualify for an upgrade or a better phone.New for 2025: Smarter Scoring, More OpportunityMTN and TransUnion recently launched a game-changing feature: Telco Data Score. It looks at your mobile behaviour — like how often you recharge, call, and use data — instead of just your credit history.That means:No credit history? No problem.You might qualify based on how you use your phone.It’s early days, but it’s a step towards making contracts more accessible for everyone.5 Steps to Boost Your Approval Odds1. Check Your Credit ReportStart here. It’s free from TransUnion, Experian or ClearScore. Look for:Any mistakes you can fixOld debt you can settleOutdated info you can disputeSmall fixes can lead to big improvements!2. Don’t Apply Everywhere at OnceGetting declined sucks, but don’t spam every network. Each application hits your score.Instead:Wait 3–6 months between triesGo for simpler plans first (SIM-only, cheaper phones)Understand why you were declined before trying again3. Build Credit ElsewherePhone contracts aren’t the only way to build trust:Open a small clothing or furniture store accountTry a secured credit card (with a deposit)Make sure your utilities are in your name and paid on time4. Prove You’re Financially StableBefore applying:Stick with your job (avoid job-hopping)Have your payslips, ID and proof of address readyAvoid applying while under debt reviewPreparation shows responsibility — and that counts.5. Go Prepaid While You PrepCan’t get a contract yet? That’s okay.Use prepaid while you build creditSet aside the amount you’d spend on a contract each monthSave for a deposit to increase your approval odds laterSome providers even let you convert to a contract from prepaid without a new credit check.Talk It OutWith Creditors: If you're struggling with payments, talk to them before they report you. You might be able to set up a payment plan that protects your credit.With Networks: Be honest in your application. Explain your situation. Some providers are willing to help if they see you're serious about improving.How Long Does It Take?TimeframeWhat You Can Do0–6 monthsFix report errors, start a SIM-only deal, pay on time6–18 monthsBuild strong payment history, apply for basic phones18+ monthsAim for top-tier contracts, better terms, latest phonesMistakes to AvoidWant to get approved? Don’t do these:Apply while under debt review (it won’t work)Skip documents or send blurry photosIgnore old debtsJob-hop right before applyingApply to 5 networks in 1 day (your score will take a hit)The Final WordGetting a contract with bad credit isn’t easy — but it’s totally doable. You just need a plan:✅ Check your credit✅ Start small✅ Pay perfectly✅ Upgrade when ready✅ Be patient and consistentYour credit situation doesn’t define you. And every smart move you make brings you closer to that shiny new smartphone deal.

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How to improve your credit score (And see which Mondo deal you’re approved for before applying.)

Staff Writer / 10-02-2020 / News

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