Saving money is, at its core, like dieting. Dieting is the practice of eating food in a way to control your future body weight. Similarly, looking at how you spend and save money is a way to control your future finances. We all know what the effect of bad diet and unhealthy food is on our bodies…
In the same way as eating the wrong foods or eating too much can harm us, bad spending habits an... ››› more
As you climb the corporate ladder, your salary increases .So you get a bigger house, new flashy car, you go to the fancy restaurants, and order expensive lattes every work day. These are just a few of the common things you do due to having more money. You suddenly seem to need more stuff right?
As you get more money, you get more ‘stuff' and then a bizarre thing happens: even though you're m... ››› more
Recently I took a long hard look at all my finances. I made a list of all my expenses, debt, income and my investments. I quickly learnt I had a problem. My expenses seemed to be piling up every month and none of them were contributing to my future. They were merely leeching from my bank account so I could barely survive the month.
Then I discovered a way to turn one of my largest expenses in... ››› more
Electricity: In today's world, you can't live without it. Sadly, if we continue wasting electricity, you just might have to. Government continues to warn South Africans that we need to act together to save electricity this winter, when the local supply comes under seasonal pressure. But it's not just the national power supply that'll benefit if you do so. Read on to discover two ways you can save ... ››› more
Ready to retire? Not so fast. Sanlam's Benchmark Symposium, which it'll release on 14 May, shows levels of saving for retirement continue to be low. So low, in fact, that Moneyweb says the average retiree depletes his retirement lump sum in just three years! Here's how to make sure you're saving enough to live comfortably long into your golden years…
Most people look forward to retirem... ››› more
Although inflation's keeping prices high, consumers are still flocking to the stores for essential items. The latest retail sales figures reflect this. And retail growth is expected to continue this year, despite fears of fast-rising inflation. But you don't have to walk out of the store with more in your packets and less in your pocket. Simply follow these three tips to save money when shopping... ››› more
Hardly a conversation goes by in Gauteng without talk about e-tolls creeping in. Now, the AA says that while there's still hope for an e-tolls breather, e-tolls will still be implemented. That's why you need to make sure you're doing all you can to save on petrol costs. It's easy if you've started ‘eco-driving'!
The Automobile Association of SA (AA) has called the decision to go ahead ... ››› more
Worried about rising inflation? You're not alone. While the Reserve Bank is doing all it can to reassure consumers that inflation's holding steady and not increasing beyond 6%, prices in the shops tell a different story. That's why you need to be shopping-savvy to save as much money as you can when buying essentials like groceries. It's easy if you know how…
The weaker rand has worsene... ››› more
General Motors predicts that annual vehicle sales in Africa will rise nearly 20% in the next two years. If you're one of these potential new car owners, you'll need to keep your head. Because a new car isn't an investment - it depreciates in value too quickly. That's why you need to make sure you save money every way you can when you buy a new car.
More and more South Africans are buyin... ››› more
Cape motorists have always breathed a sigh of relief when talk of the Gauteng eToll project comes up. Now, there's a chance they'll feel an added pinch on their pockets too. This comes as the proposed N1-N2 Winelands toll project gains momentum. Here‘s how using dedicated lanes can help you spend less on petrol…
As if the ever-rising petrol price wasn’t bad enough, motorists in Gau... ››› more
“Thanks, inflation”. Many South Africans make this sarcastic retort every day. The latest reason? Rising insurance costs. And while you can't afford NOT to insure your assets, inflation is making it harder and harder to pay your monthly premiums. Luckily, there are a number of ways to cut down on what you pay on your car insurance premiums…
Feeling bogged down by inflation?
... ››› more
The Western world is slowly but surely being replaced by fresher economic super powers from the East. Take China, for example. Like most of the world, it was badly hit by the economic recession. Now, it's bounced back to such an extent that it's one of the countries with the most available capital to invest around the world. Luckily, you can profit from this with this easy way to invest in China..... ››› more
It's a relief that Nersa didn't approve Eskom's 16% proposed electricity price hike. But that doesn't mean you're smiling about the 8% electricity price hike that'll kick in each year for the next five years. Especially as electricity supply remains constrained and we face “the most difficult winter” ahead. Here's how to meet Eskom's requests to lower your electricity usage - and benefit from ... ››› more
With winter just around the corner, you're probably expecting your electricity bills to go through the roof. And that's before the 8% electricity price hike that'll kick in each year for the next five years. That's why BHP Billiton expects Eskom to honour deals that let it buy electricity for its smelters at just over half the cost of production. But you don't have to be a mining giant to save on ... ››› more
Joburg motorists already face many travel-related expenses. In addition to the ever-rising petrol price and e-tolls, you'll pay more for parking on the streets soon as over two dozen areas in Johannesburg are being assessed for the possible introduction of paid parking schemes. But there are some ways to save money on your travel costs…
The petrol price is expected to go up by another 1.4c a ... ››› more
“Gauteng motorists could face even more e-toll woes as the second phase of the Gauteng Freeway Improvement Project appears to have been given the green light,” reports iafrica.com. This, on top of the ever rising petrol price, will put South African consumers on the back foot as they pay more and more money to get from A to B every day. But the good news is, there are ways to save money on pet... ››› more
“If you're still paying full price for the items you buy or the things you do, you are being ripped off. That's because you could get them for as much as 75% off - even free,” says Gavin Fourie, editor of Unconventional Millionaire. Discover his secret to never paying full price on your cell phone bill ever again. “The average cell phone user spends about R6,000 a year on their cell phone. T... ››› more
The results of FNB's latest Household Consumer Debt Service Risk Index show you're probably living beyond your means. But there's an easy way to take control of your finances again. Just cut back on the luxuries you can't actually afford and tend to buy on credit. This way, you'll soon be living with less debt, leaving you with more disposable income to spend and save for those little luxuries. FN... ››› more
The e-toll saga continues. While the IFP in Gauteng has asked government to look into a more cost-effective method, the Transport Minister says the e-toll system could go ahead in just a few weeks. And it's not just Gauteng motorists that are in trouble. Western Cape roads are also due for an expensive upgrade and the petrol price is rising. That's why you need to make sure you're driving is eco-f... ››› more
Your pay cheque just doesn't stretch as far as you'd like it to. Even if you're not making big purchases, you still need to eat three meals a day and the cost of living is constantly on the rise. But you don't have to feel anxious about your finances and cringe every time you open your wallet to spend money. Here are six easy ways to save money by spending less while supermarket shopping so you wo... ››› more
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