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Financial Planning

  • Foolish ways you're spending money
  • We all do it. Wasting money on purchases we don't really need, that is. Impulse and emotional purchases play a large role in our bad spending habits. Acknowledging our money mistakes is the first step towards building a more secure financial future. What are the most foolish and most avoidable bad purchases we make on a daily basis?   1. (Unused) Gym memberships   Congratulations to y... ››› more
  • [08 December 2014]
  • New Year's resolutions that help you save money
  • Are you already working on your New Year's resolutions? The start of a new year is the perfect time to set new goals for yourself and get rid of old habits that are slowly but surely damaging your health. The dawn of a new year is also the time when you need to reconsider your financial situation. If you've been struggling to save more in the past, but have failed to do so, you can make it your... ››› more
  • [05 December 2014]
  • Are you a self-employed business owner struggling to get a home loan? This one's for you!
  • We all know the secret to investing in property is ‘using other people's money'. Whether it be money from friends and family, as investors, or the money the bank borrows from you. It's ‘other people's money' that allows you to buy more property than you would've on your own - Locking in growth and a steady income stream from day one. Now obviously we all don't have ‘investors' to join ... ››› more
  • [05 December 2014]
  • How to put your tax-free savings account to good use
  • In March, you can start to take advantage of tax-free savings accounts. The move by the National Treasury is to encourage South Africans to save. So how should you use your tax-free savings to your advantage? And should it form part of your retirement planning? Let's take a closer look… How tax-free savings accounts work In four months’ time, you’ll be able to invest into your... ››› more
  • [02 December 2014]
  • Personal finance tips for the holidays
  • Planning on having Christmas on a budget this year? It can be quite frustrating to stay within the budget during the shopping frenzy of the holiday season, when everyone is busy spending money. In order not to go overboard with your holiday spending, implement some sound personal finance tips. 1. Trim your Christmas gift list    If your Christmas gift list includes many members of the ext... ››› more
  • [02 December 2014]
  • What to do now if you want to retire early
  • Retiring early is every busy worker's dream. You may love your job, but that doesn't mean you can't secretly dream of retiring early. The biggest concern when it comes to retiring early is saving up enough money. Since we all have plenty of financial problems on a daily basis and we hardly ever have any money to spare, most often saving for retirement is not one of our priorities. Don’t let... ››› more
  • [02 December 2014]
  • Keep yourself safe this holiday season by avoiding credit card scams
  • Everyone can fall victim to credit card scams. Knowing how to protect yourself and watching out for potential threats can make it much more difficult for scammers to take control of your credit card account. Don't think that it can't happen to you. Because it can. And Christmas is that time of year when credit card fraud is at its peak. Here are a few ways you can protect your credit cards fr... ››› more
  • [28 November 2014]
  • Saving tips for the festive season
  • Christmas is on its way and so the shopping frenzy begins! As exciting as this time of the year may be, it's also one of the costliest. If you have a big family and tons of presents to buy, you're likely to go bankrupt before Christmas even begins! If money is an issue this festive season, there are various ways to reduce your expenses and enjoy Christmas without going overboard with your spend... ››› more
  • [28 November 2014]
  • How much should you save for retirement depending on age
  • How much should you save for retirement? This question is on everyone's mind sooner or later. You should perform a reality check on a regular basis before retirement, to make sure you are on the right track. Most financial experts recommend that you save between 10 and 15 percent of your current income for retirement.   It’s important to set certain targets and milestones when to reasse... ››› more
  • [27 November 2014]
  • With credit card fraud rampant, here's how you can keep your credit card safe
  • Yesterday, the South African Banking Risk Information Centre (SABRIC) released its latest statistics about credit card fraud. Credit card fraud losses leapt higher. The main culprit being credit cards obtained fraudulently. So what can you do to protect yourself against credit card fraud? Read on to find out… Credit card fraud is on the rise in South Africa Over the past year, ... ››› more
  • [26 November 2014]
  • BEWARE: Unemployment's new best friend will knock South Africa backwards
  • Unemployment is one of South Africa's most pressing challenges. Not only is it sitting "pretty" at 25.4%, there's absolutely no sign that it'll improve anytime soon. So you'd think the proposal for a national minimum wage (NMW) would be the answer. But it isn't! A NMW won't only result in higher levels of unemployment, but will create a chain-reaction, that'll take our economy deeper in... ››› more
  • [26 November 2014]
  • 5 Quick ways to boost savings starting today
  • When the economy goes sour, more and more people start reconsidering their spending and readjust their budgets. However, saving should be a priority for you regardless of the state of the economy. If you get into the habit of saving, up will live much more comfortably knowing that you still have control over your financial future. Special: How to Grow Rich – Privately, Independently and S... ››› more
  • [25 November 2014]
  • Paying off debt: Snowball vs. Avalanche method
  • So you've decided it's time to get rid of the debt that has been piling up. Good for you! Making the decision to tackle your debt is an important one. The next step would be to decide on a debt payment method. You may be familiar with the two popular debt pay-off strategies: Snowball and Avalanche. Today we’ll take a closer look at both of them to better understand what they entail and whic... ››› more
  • [25 November 2014]

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