With festive season celebrations now a distant memory and all of the leftovers hopefully eaten, something still remains for the majority of South Africans – a looming credit card debt! It doesn’t have to linger for long but getting out of credit card debt requires a realistic goal and a firm resolve. You will have to monitor your progress regularly to minimize your pitfalls and motivate yourself to keep on track. Fight the temptation The first […]
Continue readingMore TagCategory: Blog
TAX YEAR END – RA BOOST
With the tax year drawing to a close at the end of February, it is worth looking into the advantages of making a supplementary contribution into your retirement annuity (RA). The National Treasury estimates that only 10% of South Africans are able to maintain the same standard of living after retirement. Here are some good reasons to give your RA a boost before the tax year end. Boost your tax return When submitting your income tax […]
Continue readingMore Tag
VALENTINES DAY IDEAS
It is almost that time of the year again – when hearts are worn on the sleeve and chocolate is eaten in excess. While lavish consumerism is often an indulgence, there are a number of thoughtful ways to make this day romantic without burning a hole in your pocket. ORGANICALLY ROMANTIC Go back to basics, break away from all the pomp and procedure of a fancy restaurant and organise an organically romantic sunset picnic. You will […]
Continue readingMore Tag
5 TIPS FOR INVESTING
It is never too early or late to start an investment portfolio. If you already have a portfolio it doesn’t hurt to gain some extra insight, whether you choose to acknowledge the advice or not… at least arm yourself with it! Here are five investment tips to help you stay on top of your expenditures. Follow investors on social media There is a huge accumulation of knowledge being distributed via social media platforms. Assess the people […]
Continue readingMore Tag
INVESTING IN ETF’S FOR KIDS
If you are interested in investing for your children’s future education, a good way to achieve this is with exchange-traded funds (ETF). It is best advised to have a balanced portfolio spread over multiple asset classes so as to reduce volatility and enhance performance potential. You should consider the following points when setting up education accounts for your children: THIRD-PARTY ACCOUNTS Set up separate third-party accounts for each child. You will have control over the investment […]
Continue readingMore Tag
10 TIPS FOR FINANCIAL PLANNING
Do you want to begin your 2015 financial year on a good note? Then what better time to review your financial plan! A financial plan provides you with the financial security to overcome unforeseen events and map out a financial future for yourself. When creating a financial plan you need to identify key achievable goals that can advance your financial situation. Here are 10 tips for improving a financial plan: You need to have a clear […]
Continue readingMore Tag
5 WAYS TO MAKE YOUR FINANCIAL GOALS ACHIEVABLE
As 2014 has rolled over into 2015 people have invariably affirmed some New Year’s resolutions, but did you know that around one out of four people abandon their resolutions after one week! Seven days is all it takes to swerve off course. This isn’t because they have changed their minds about what they want, it’s because they haven’t properly envisioned how they will achieve their goals. There was a study done, showing that writing down your […]
Continue readingMore Tag
MORE LEFTOVERS?!?
The Festive Season is a super time for good food and (mostly good…) family. However, after all the aunts, uncles and cousins have departed there can be a prolific amount of food still to be consumed. Letting it go to waste would be a shame, but eating the same leftovers for a week can be bland. Here are some meal ideas to try, ranging in ingredients and skill to keep the taste buds appetised: Classic Turkey […]
Continue readingMore Tag
GET IT WRAPPED
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