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Seriously, don’t throw your money away – Part 2

I have read countless money saving blogs and most of the advice sounds somewhat obvious, but I find that I still need reminding; and every now and then I’ll come across a fresh tip that really makes a difference. We all slip up every now and then, so here’s my reminder to you. Here are five more tips to prevent you from “throwing away” money: Stop paying for something that you can get for free There […]

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Don’t throw your money away – Part 1

It’s relatively easy for your monthly budget to spring some leaks that are easily overlooked. You may not view it as throwing away money, but that isn’t the correct mindset to have if you plan on saving. As the famous Benjamin Franklin saying goes, “A penny saved is a penny earned”. An extra R50 in your bank account is an extra R50 no matter how it got there (or even if it never left!). Here are […]

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Yoga for your financial plan

Whether or not yoga is your thing, you’re probably familiar with it. The practice of yoga has become popular enough that most people know what it is, but I bet you didn’t ever associate it with financial planning. Here are some core principles of yoga that relate to a disciplined financial plan: Balance Is central How is your financial posture looking? Are you on tip-toes or do you have a stable foot on the ground? Balance […]

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Good habits to help you out of bad debt

You need to earn a lot to be well-off, right? Not so. Wealth is as much about controlling debt and spending as it is about income. If you earn a moderate salary and are free of short-term debt then you’re probably in a better financial position than someone who earns more, but spends it all on serving short-term debt. Essentially, good money habits boil down to three simplified points. Spend less than you earn and invest […]

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The power of positivity and a good plan

Have you ever told yourself, “When I have more money, I’ll be happier”? How about, “I’ll never be able to pay off this debt”? These sort of toxic money thoughts are holding you back from financial success – and happiness! A good financial plan needs to be attainable and measurable, those expressions are neither. The first step to a financial plan is both the hardest and the easiest – it’s the starting point. The point where […]

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Two things to remember when selling your house

It is hard to predict what the housing market will do with accuracy due to all of the economic and political factors affecting it. You might end up waiting months or years for something to change, and even then it may not be in your favour. However, when selling (or buying) a home one should still consider whether it’s a buyer or sellers’ market. In a buyer’s market there are more people looking to sell houses […]

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Watch out for online scams

The internet is rife with scam artists and most people are aware of this, but that just drives the fraudsters to get more creative with their deceptions. FNB recently issued a warning to clients about an email-based scam doing the rounds that tricks people into giving up their banking information. And they’re not the only ones – most banks have been hit with similar or other fraud attacks, with Standard Bank receiving the most recent – […]

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Soup’s Up!

Winter is the perfect time for soups, they are jam-packed with vitamins to help you fight against the flu, the ingredients are basic, it’s affordable (you can use cheaper cuts of meat – for example), you can keep it for ages if frozen and… it’s warm! Warm, hearty foods on a cold day both comfort and sustain. Slow cookers can be bought for relatively cheap and use little energy – so set the soup up before […]

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Father’s Day Ideas

Fathers can be difficult to shop for, if they were easy to shop for then maybe they wouldn’t have so many ties. Now you might be thinking that this is another article telling you how to skimp on a present – it isn’t. Instead, I want you to think about how you can add value instead of reducing costs. The kind of gifts that keeps on giving. Here are some ideas to demonstrate: A skill-improving class […]

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Common financial mistakes in your thirties

Saving in your thirties becomes increasingly difficult as your financial responsibilities increase. However, sound financial decisions during this phase of life can have profound benefits at a later stage. Here are some common financial mistakes to avoid: The first is failing to draw up a budget. A proper budget is the starting point of all financial discipline and should be physically written down for later reference. Include your partner in this process as it is important […]

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