Managing your monthly income can be a difficult task. There are so many expenses and bills to pay.
But you have to allocate a certain amount of money to put into savings so that you can start to build a nest egg.
Having savings in the bank gives you financial security. And importantly, it means you can let compounding work.
Let's take a closer look…
What are your financial priorit... ››› more
When you're young, you have hopes and dreams for the years that lie ahead. Retirement seems a far off notion that you won't have to worry about now.
As you age and you creep closer to retirement age, the reality dawns that you may not be in a financially sound position to ever retire. Things aren't quite like you envisaged them.
But you can make changes now that will help you live a comforta... ››› more
Trying to plan for your future is difficult. You want to grow your wealth so your future is secure and that you'll have a comfortable retirement.
But how can you achieve this? You can't do it by slaving away in your current job. This isn't going to build wealth and a financially comfortable future.
You need to exposure multiple income streams.
Read on to find out more…
What are mu... ››› more
There isn't an easy way to prepare for retirement. You'll have to make a lot of choices along the way.
If you're contributing to a pension or a retirement annuity, it's good to add some diversification by looking at other ways of saving for your retirement.
And you could do this by using your tax-free savings account.
Read on to find out more…
Investing for retirement with a tax ... ››› more
You most likely already know that the earlier you start preparing for retirement, the better.
From when you start work until you reach retirement age, there are certain things you should focus on in terms of planning for your retirement.
Let's take a closer look…
Planning for retirement in your 20s
In your 20s, retirement planning isn’t likely to be top of mind, but this is whe... ››› more
Financial planning involves all aspects of dealing with your money now and into the future.
It's vital to have short-term, medium-term and long-term goals as part of your financial planning strategy. To meet some of these goals, you may need to look at savings vehicles to help you get there.
So are government retail bonds worth considering?
Let's take a closer look…
What are gover... ››› more
Tomorrow, the finance minister Nhlanhla Nene will give his medium-term budget.
With the government's coffers feeling the strain of slowing economic growth, Nene is under pressure to introduce new ways of increasing tax revenue. But how is he going to do it?
Since Thomas Piketty, a French economist, suggested introducing a new ‘wealth' tax in SA, could this happen?
Let's take a closer lo... ››› more
If you struggle to pay your dues from month to month, a home business could be the perfect solution.
Starting your own home business could give you the chance to make much needed extra cash.
So which home businesses ideas are worth considering? And how can you choose the perfect one for you?
Read on to find out...
The makings of a perfect home business
If you’re looking to make... ››› more
Planning for your later years is no easy task. There are so many decisions to make.
You know you need to make provisions and save for retirement, but what are your options?
Read on to find out more about five ways you can fund or top up your retirement savings…
How to plan for your retirement
Planning for retirement is a time consuming task. Of course, the earlier you start the be... ››› more
Endowments, also known as endowment policies or endowment plans, are essentially savings vehicles provided by life assurance companies.
Endowments can be a good option for you to consider for providing additional income once you reach retirement if you sit in a higher tax bracket.
Let's take a closer look at endowments…
What are endowments?
Endowments are targeted savings plans. T... ››› more
Debt does have its uses, such as helping you to buy a property. But if you use debt to fund your lifestyle, it's time to address the situation.
Carrying a lot of debt means you're working to service this debt, plus it stops you working towards financial goals.
So how can you get out of debt?
Read on to find out…
Prioritise your debt
The first step is going through all the debt ... ››› more
You no doubt know that planning for retirement from a young age gives you the best chance of achieving your financial goals for when you get there.
To really prepare adequately for retirement, you need to spend time now making some decisions. This will help you plan more effectively.
Let's take a closer look…
Work out your retirement budget
When you retire, the expenses you have n... ››› more
Financial planning is of vital importance. By planning your financial future, you can help yourself achieve your goals.
So how should you approach financial planning?
Let's take a closer look…
What is financial planning?
Financial planning is all about focusing on your financial goals and organising yourself to achieve them. You’ll probably have to make sacrifices along the way ... ››› more
Successful financial planning boils down to successful budgeting.
If you don't have a budget, you don't know what you're doing with your money. By putting a budget in place, you can spend your money more effectively and put more of it to work.
So how can you put together the perfect budget?
Read on to find out the four steps towards putting together a budget…
Budget planning step ... ››› more
It's never too early to start financial planning. The earlier you do, the easier you'll find it to reach your financial goals.
So where should you start with financial planning?
Read on to find out…
Financial planning will help you reach your financial goals
Whatever your financial goals are, whether it’s to retire at 50 or pay off the bond on your house quickly, you need to put... ››› more
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