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As Winter arrives in South Africa, it's crucial to prioritize safety and comfort. This article provides important guidelines for choosing the right heating options, such as paraffin and LPG, while emphasising the need to adhere to safety regulations. It also offers tips for safely using paraffin and handling LPG cylinders. Additionally, the article discusses responsible practices for open fires, including selecting appropriate materials and maintaining a safe distance from flammable objects. By following these guidelines, readers can ensure their well-being during the colder months.

What to do if you cannot pay your accounts or your rent

How many times have you heard that there is this “free service” or extra benefit that you get if you pay now, sign up, get registered etc? Let us be the first to tell you that it is not free. You are paying for it somewhere. The cost of that service, product, or “gift” has been worked into your fees somewhere in order to ensure that business doesn’t lose money. It would be great if we got things for free, but inevitably you will get what you pay for.

As consumers, we have rights when purchasing goods in-store and online. We help you understand these rights and provide you with the steps you can take to ensure that goods purchased meet your expectation.

Buying second-hand cars, clothes and gadgets online can be a great way to save some cash, but a growing number of clients are coming to us with heart-breaking stories of being scammed and left with nothing. These scams are everywhere and as consumers, we need to protect ourselves. Use this checklist from start to finish every time you want to buy online, and save yourself from the dodgy deals and fake offers that pop up at every turn.

Funeral policies are there to help soothe the grief of a final goodbye to a loved one. When policies are not what was advertised, it adds to the pain. This month, we outline how you can check that your funeral policy is not a scam.

We are deeply proud of the South African Constitution and everything it has achieved, and will continue to achieve as long as we are diligent in protecting our rights. We look at the different ways that every South African can protect themselves and their rights, with the correct guidance and support.

Got a question about debt? The answer may be here.

South African communities have been coming together to form stokvels in order to offer financial and emotional support to one another in times of need. Learn more about the legalities of these schemes.

Welcome to the final edition of Legal&You for the year Thank you for your support over the last year. As we approach the festive season, we have had time to reflect on our mission to be your companion. That means that with Legal&Tax you are not alone. We are here for you through every step of your life.