People like to spruce up their houses around this time of the year with festive decorations. Either to display a better facade to guests that are invited over for dinner or to simply rouse some holiday spirit. I have put together a list of ideas to establish a merry mindset in an affordable and alternative way… take a look! A little ribbon goes a long way. Drape and fasten ribbon to banisters, windows, doors or even […]
Continue readingMore Tag
BUDGETING FOR THE PRESENT
If you’re part of a large family or have a wide circle of friends, you’ll know how expensive and time consuming it can be buying Christmas gifts. Your gift budget gets spread thin, your initiative runs dry and everyone gets a mediocre present. Here are two gift-exchange ideas that can be fun and help you save some bacon: Secret Santa This is an old tradition wherein a group of colleagues, friends or family set a price […]
Continue readingMore Tag
FESTIVE FRUGALITY
It is the festive season, the silly season and, ultimately… the discount and savings season! With fierce competition between retailers all vying for your attention and more importantly your cash, now is the opportune time to shop smart and take advantage of special offers and sales without breaking the bank. To make the most of this festive savings period you need to be aware of what deals are currently available. Browse the catalogs available at store […]
Continue readingMore Tag
END OF MONTH SAVING TIPS
I normally finish off the month with some awesome saving tips, but seeing that Christmas is around the corner, I thought I’d kick off December with these out-of-the-box ideas. Whether it’s sticking to the rules, brewing some domestic cocktails or just staying informed, here are some crafty ploys to keep you frugal. As always – our ‘end of the month saving tips’! DISCOVER THE FULL EXTENT OF YOUR JOB BENEFITS Most people aren’t aware of all […]
Continue readingMore Tag
GETTING YOUR TEAM RIGHT
Being entrepreneurial, following your dreams and starting something new is exciting and can be extremely rewarding. But… not being able to find reliable, competent staff is a common problem. Realising that employees are sometimes a reflection of their employer is a helpful first step towards nurturing your human capital. This is not to say that your staff are useless because you are useless – not at all! This is just a recognition that you play a […]
Continue readingMore Tag
THE TOP 3 REASONS THAT SOUTH AFRICANS SAVE
FNB recently did a study of the top reasons why South Africans choose to save their money in a culture with a penchant to spend, spend, spend. The results of the study show three main outcomes for which people save, prioritized differently depending on the income bracket of the person. The three main reasons for saving up funds are retirement, education and emergencies. The survey revealed that if a person earns a typical income of R200 […]
Continue readingMore Tag
REVISING YOUR RETIREMENT ANNUITY
Retirement annuities form a staple for many people’s financial saving diet. Seeing that it is such an important investment it would be wise to not let it stagnate and lose. The fees charged on RA’s have undergone significant change over the past years, if you have been investing into your RA for more than five years, and have not yet reviewed it, then now would be a good time to re-assess your RA portfolio. Here are […]
Continue readingMore Tag
A FRESH START, TO YOUR CREDIT RECORD
Having an impaired credit record is an affliction suffered by almost half of the 21 million consumers in South Africa. This ranges from consumers with defaults, judgements, administration orders and consumers who were three months or more in arrears with account payments. Recently, between 1 April and 31 May 2014, the South African government implemented a credit information amnesty that benefitted at least 3.1 million consumers. This is great news if you struggle with poor credit […]
Continue readingMore Tag
END OF THE MONTH SAVING TIPS
From changing the way that you shave to spending some more time at the local library, here are some super end-of-the-month saving tips! 1. CURTAIL THE CELLPHONE Go through your cellphone bill, look for services you don’t use, and ditch them. Sit down and go through each item on your bill and see if there’s anything there that you don’t use, like a surfeit of text messages or web access or something to that effect. Then […]
Continue readingMore Tag
STAY INFORMED. STAY HEALTHY.
One of the biggest drives around Breast Cancer Month is education and awareness. There are many programmes in place to provide extensive knowledge and encourage support for those who are looking for expert advice. The PinkDrive website is an amazing site that offers a place to ask questions, find answers, enter events, raise money for research and buy Breast Cancer Awareness gifts and promotional items. One of the procedures that they explain is the mammogram. Here’s […]
Continue readingMore Tag