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Saving Money

Tips for Budgeting and Saving Money

We all have good intentions when it comes to saving money, right? We tell ourselves we’ll start saving once we reach a certain milestone. Like when we hit a specific age, get a raise, or when Johnny (finally) moves out.   But in reality, you’ll only start saving...

What to do If You Have No Savings

I get a lot of emails from readers saying "I struggle to save, what can I do?" Do you find yourself in the same boat? Do you start to save and then something will come up in the month and you have to use your savings? And now you have to start all over again   This...

Tips to Lower Your Cell Phone Bill

In the past couple of years, smartphones have become a major expense for most South African households. Many of us not only want the latest and greatest gadget, but also enough data and talk time to keep in contact with our friends and family.   If you use your phone...

Ways to save on your Grocery Bill

These days, it feels like every trip to the grocery store costs us more. If you’re looking at ways to save on your grocery bill, these tips will help. Believe it or not, some thirty years ago it was possible to do a monthly grocery shop for less than R100. These days...

Reasons Why You Need an Emergency Fund

If you can't think reasons why you need an emergency fund, think again. No matter how prepared you are, life has a way of throwing curve balls that you never expect.   When they are things we like, we call them serendipitous, surprises, gifts…   When they are things...

Are you ready for a Money Saving Challenge?

Have you ever done a money saving challenge before?   They are pretty fun. Don’t stress.   Alright, I am just going to say it. Saving money is VERY difficult when you are on a low, fixed income. And then…the bills…   Don’t get me started on the bills.   And life.  ...

Money-Saving Challenges to Kick Start 2019

The start of a new year always feels like the time to re-examine our goals and create new ones. It’s a common time to get your finances in order. Saving challenges are popular for helping you get creative with saving. Sometime, there is hesitation to join them out of...

Tips on how to save money in 2018

As the year starts, we hear plenty advice about how we should be in control of our finances and invest money. But how do you start to invest in a tight economic environment such as ours? Most South Africans are behind in saving for retirement. Few have little money...

TIPS TO SAVE ON HOLIDAY SPENDING

The holidays require a lot of planning, from wish lists, to shopping lists, baking lists, and more. But the very first thing you need to do is decide up front how much money you can afford to spend on the holidays this year. Let's take a moment to consider some...

Where to find money to save

  Dear Reader, How many times have you said “I really should start saving” and come month-end there is always something “more important” to spend the money on?  December is a time when people tend to over spend and get into debt. Come January you are more broke...

Where to Invest?

Dear Reader, Well done in establishing your financial goals and more importantly your time horizons.  Prioritising your goals and working with your disposable income, will guide you on how to invest. The terms broken down below will point you in the right direction....

Smart ways to save

Dear Reader, Whether you’re saving for lobola, building your emergency fund or putting money away until you decide what to do with it, these tips can help you grow your savings pile. In a survey conducted by Capitec Bank 51% said that debt is their biggest worry,...

What is financial planning?

  Dear Reader, Ever experienced more month than salary? Well that’s called budgeting and not Financial Planning! Financial Planning in our current world is changing faster than the speed of lighting! Today people are realising that the power of saving using ‘the...

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