NECESSITIES, NICETIES AND NOT-JUST-YETS…

BREAKDOWN YOUR EXPENSES It’s hard not to notice how fast our current economic landscape is changing. Jobs are harder to get, and harder to keep. Although things may look tough for everyone else, they don’t have to for you! How is this possible? With wise and creative financial planning! We’d like to share with you […]

FRESH SAVING TIPS!

A PENNY SAVED… If you’ve heard this saying used once too many, then you’re not alone! But the truth is, it’s right on the money. The best way to accrue wealth is to save and invest in a combination of short, medium and long-term options. As we mentioned in a previous article, diversification is a […]

ARE YOU PREPARED FOR THE STORM

Bruce Cameron, finance writer for Personal Finance, recently published an article highlighting the concerning statistics that most South Africans, who are currently employed, may be seriously under-assured for death or disability cover. His opening paragraph reads as follows: “The vast majority of 13 million employed South Africans are ignoring the fact that, if they die […]

DON'T FALL INTO THE DEBT PIT IN THE NEW YEAR

At the start of a brand new year many South Africans face a long wait for salaries at month-end and overspending during the festive season leads to borrowing to cover small shortfalls, which may quickly snowball into a bigger problem. “Many people think that borrowing money to help them get through the first few months […]

DO YOU NEED A FINANCIAL ADVISOR?

The profession of financial planning is relatively new, the average pensioner will tell you that in their youth financial planning was not even a recognisable term. During and after the Second World War the depression made it virtually impossible for most people to make ends meet, let alone have surplus money to invest. Access to […]

THE COST OF CANCER

Every year countries throughout the world dedicate the month of October to raising awareness around Breast Cancer. Cancer has increased exponentially and is, in many cases, treatable – at a cost; making cancer a life, health and personal finance issue. There are very few families in South Africa that have not had one or more […]

PLANNING FOR FINANCIAL SUCCESS | PART THREE

HINDSIGHT IS ALWAYS 20:20 If a person has perfect vision in both eyes, they are considered to have 20:20 vision. Whilst we can not always predict what will happen in the future, it always seems easy to see the things that have happened in the past with great clarity. Hence, when we look back, events […]

PLANNING FOR FINANCIAL SUCCESS | PART TWO

DON’T PUT ALL YOUR EGGS IN ONE BASKET Whilst you may not be investing in eggs, this centuries-old wisdom applies wholeheartedly to modern day investments. As part two of last week’s article, let us quickly remind you that whatever your goals, unless you win the lotto, you will not move passed average unless you fully […]

PLANNING FOR FINANCIAL SUCCESS | PART ONE

LOOK BEFORE YOU LEAP. It’s a phrase spoken often to the young and exuberant, but one that we forget still applies as we get older… It is reasonable to assume that you desire financial success for yourself and your family and you may even have your sights set on becoming fabulously wealthy. Some of us […]