Rising interest rates mean less disposable cash. You can minimise the effect of the recent rate hikes by consolidating various forms of debt within your bond, where you enjoy the lowest interest rate. The reason your bond is the cheapest way to finance anything is that the loan is fully secured by your property, whereas other short-term finance is generally unsecured and is perceived by the banks as a riskier form of lending - and is therefore more expensive.
It is, however, important to remember that should you opt to consolidate your various forms of debt into your bond account, you will be converting short-term debt to long-term debt. It would be advisable to try to maintain the level of your current short-term repayments once you've consolidated your debt. This will enable you to pay off your bond faster and will result in substantial savings.
The Bond man can help you to improve your monthly cashflow and save you thousands of rands.