Individual Financial wellnessThe sad reality is that many employed South Africans struggle with their finances and the figures are startling:

Statistics show over 9 million (49% of credit active consumers) people in South Africa are living with unhealthy debt.

As a result, they’re unable to meet their monthly debt obligations and are falling into arrears which may lead to repossession of assets and judgements (Blacklisted).

The household debt to income ratio is around 74%, leaving only 26% room for other essential expenses. This means out of every R10, R7.40 goes to servicing credit! This leaves the household with only R2.60 for transport, food, school fees and other basic expenses – considering the forever escalating cost of living, this is not a good picture at all and most households find themselves trapped in this circle.


To assist individuals to escape the debt trap, Seed of Prosperity has designed various solutions which can be customised to an individual’s needs and preferences. . This includes our online financial wellness platform aimed at encouraging individuals to talk openly about finances and learn from each other. The platform also allows for:

  • Private online financial mentorship;
  • Access to a personal credit report;
  • Access to budget and debt management tools; and
  • Access to financial literacy content.
how can we help you?

Contact us at Seed Of Prosperity office nearest to you or submit a business inquiry online.

Fin-Lite Financial Education trading as Seed of Prosperity has been providing Financial Wellness services to Omnia Fertilizer Sasolburg branch since November 2015. The value they have added to our employees’ lives is incredible. Our employees have become more financially savvy, through weekly consultations with an onsite consultant. They helped in reduction of interests, debt, as well as prevention of assets repossessions.

Omnia Fertilizer, a division of the Omnia Group (Pty) Ltd
Manager: Human Resources , Omnia Fertilizer, a division of the Omnia Group (Pty) Ltd

Looking for financial remedial solutions to secure financial wellbeing?