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  • Three top ways to save money over the festive season
  • In two weeks we will be in December and that means the festive season is drawing close. The festive season is a time to look forward to, but it's also a time of year you may dread as the costs mount up from overspending. So how can you save money over the festive season? Read on to find out… Festive money saving tip #1: Work out how much you’ve got to spend Before you start mak... ››› more
  • [17 November 2016]
  • One way to save money over the festive season
  • It's not long until the schools break up for the holidays and the festive season will get into full swing. Whilst this time of year gives you time to spend time with friends and family, it can also be an expensive time of year. So how can you save money over the festive season? How about skipping a holiday and staying at home? Read on to find out more… The festive season is an e... ››› more
  • [13 November 2016]
  • Don't you wish someone told you this about money when you were in your 20s?
  • When I look at the financial education I received at school and university, I always wonder how different my life would be today if I had better quality information. Where would you be if your teachers, parents and mentors taught you more about managing money, the stock market, investing, savings and general day-to-day budgeting? How different would your life be today? Let's take a clo... ››› more
  • [19 July 2016]
  • Have you discussed these four financial topics with your partner?
  • If the statistic that 50% of all marriages end in divorce is accurate, it means that South African couples need to pay close attention to the way they manage their finances. Whether you're just starting out or already in a steady relationship, you and your “better” half must manage your finances effectively so that it doesn't destroy your relationship. To help you succeed, I've found f... ››› more
  • [19 July 2016]
  • 14 mistakes you make with your money but refuse to admit
  • Ah South Africans! Blinded by politics, multicultural in every way, revered by the world... But man, do we suck when it comes to money? We're a country of proud people. We've survived some of the most severe political turbulences the world has ever seen. We beat it all. Despite all the challenges our country still faces, we have a proud heritage. Maybe that's why so many of us refuse to adm... ››› more
  • [18 July 2016]
  • Warning: You could be overpaying your fund manager for little or no returns
  • It's a global argument that continues to gain traction and plague most fund managers. Crucially, today this argument is becoming more prevalent in the South African financial industry. I'm talking about performance fees. Should they be removed? Are investors getting their money's worth when investing in a fund? There's a growing consensus that performance fees only benefit the fund man... ››› more
  • [08 July 2016]
  • The number 1 way to protect and grow your retirement nest egg
  • One of the keys to successful income investing is proper asset allocation, how you balance your portfolio among stocks, bonds, cash, real estate, commodities, gold, and other investments. And asset allocation is not just for your investment portfolio. The can apply the same strategy to your retirement nest egg. Read on to discover the number one way to protect and grow your retirement nest egg… ... ››› more
  • [07 March 2016]
  • How to grow your savings
  • Regularly putting money aside into savings is a habit you should try to form as early as possible. If you haven't got any money in savings, it's time to start. So what sort of things should you consider when saving? Read on to find out more… Ensure you regularly put money into your savings The biggest problem many people have is not putting any money into savings in the first pl... ››› more
  • [26 January 2016]
  • Ensure you start the New Year financially fit with these festive money management tips
  • The festive season is just around the corner. This means long and expensive shopping lists for food, drinks and gifts. But before you start buying, you need to give your finances the once over. You need to ensure that you manage your money for December and into the New Year. Let's take a closer look…   Festive money management tip #1: Your December pay Chances are you’ll ... ››› more
  • [21 December 2015]
  • Three ways to get your financial planning on track
  • Trying to sort out your finances for the present and the future is never an easy task, but it is one thing you need to take the time to do. Financial planning should start as early as possible, with short-term and long-term goals. So what should you include as part of your financial plans? Let's take a closer look at some important aspects… Financial planning aspect #1: Are you co... ››› more
  • [21 December 2015]
  • Getting your priorities straight with your savings
  • Savings are an important part of your personal finances. It's important to build up savings over the years. The earlier you start, the quicker you'll achieve your savings goals. You should have different purposes for different savings. So how should you deal with your savings? Read on to find out… Different types of savings As part of your financial planning for the future, yo... ››› more
  • [21 December 2015]
  • How to teach your children about money
  • One of the most useful and rewarding things you can do with your children is teach them about money. This will help them make informed decisions about their finances from an early age and help grow their wealth into the future. So what's the best way to teach them the basics of personal finance and investing? Read on to find out… Give your children a solid grounding about money ... ››› more
  • [31 July 2015]
  • Struggling to get on top of your debt? Here's how to get on top of it
  • In an ideal world, you'd have enough money to pay for everything you need in cash, including your home. But for many people, debt ends up becoming part of their everyday lives. Yes, the majority of people need to borrow from the bank to buy a property, but you should be wary about other debt you take on. So what if you're struggling with the debt you already have? Read on to find out how ... ››› more
  • [09 June 2015]
  • Why you must keep your savings separate from your investments
  • When it comes to your finances, from your earnings you need to spend some of it to cover necessities and expenses. You can then put the money you have left into your savings and investments. But what is the difference between your savings and investments? Are they not just the same thing? Read on to find out… The difference between savings and investments Whilst savings and invest... ››› more
  • [28 May 2015]
  • Financial planning: How to check you're on track with your financial goals
  • As soon as you begin working, you need to start planning for your financial future. This includes making provisions for your retirement and for other unexpected events. You can do this through different kinds of investments and insurance. What you should be doing at the moment depends on the stage in your financial life. This should help you determine how your money is working for you. Le... ››› more
  • [08 April 2015]
  • Thanks to the budget, if you're a higher earner you will be paying more income tax
  • The budget address at the end of last month revealed some news that higher earners didn't want to hear. Personal income tax is rising if you earn more than R181,900 a year. So what does this mean for you? Let's take a closer look… Personal income tax rises 1% if you earn more than R181,900 a year During his first full budget speech, the finance minister Nhlanhla Nene said that “... ››› more
  • [20 March 2015]
  • Two strategies to boost your retirement savings
  • Ensuring that you save enough for retirement isn't easy to achieve. The last thing you want is to get to retirement age and not have enough money to keep you going through your later years. So what can you do now to help you achieve your retirement savings goals? There are two ways you can go about it. Read on to find out what these strategies are… Boost your retirement saving... ››› more
  • [09 March 2015]
  • Make sure you apply for your tax-free savings account
  • You can now apply for your own tax-free savings account. The government introduced the scheme to help incentivise South Africans to save. You can now save R30,000 a year, tax-free. And the accounts aren't just limited to cash. You can use them to invest in unit trusts and other investment products. Let's take a closer look… Tax-free savings accounts came into effect yesterday Y... ››› more
  • [02 March 2015]
  • 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]
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