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Tough times, cash crunch and more month than money. While these terms are often bandied about regularly, millions of consumers are faced with the reality of struggling to make ends meet. Taking out a loan or other forms of credit may solve a money predicament, but it is important to do so responsibly. This is the message from Bayport South Africa, which encourages consumers to stay on the good side of credit. Tessa Verwoerdt, HOD: Money Solutions at Bayport says anyone considering a loan should ask themselves some primary questions before borrowing: