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IS WINTER BURNING A HOLE IN YOUR POCKET?

Winter makes saving money and keeping to your financial plan a little more difficult! All around the country temperature gauges are plummeting about as fast as the electricity meters are lighting up. If you, like many South Africans, have an electricity box that you recharge, you’ll be acutely aware of how much faster the usage light starts to flash during the icy winter days ahead. If you’re billed after the month, you’re probably anticipating a hefty […]

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FRESH SAVING TIPS FOR THE END OF THE MONTH

We all want to save more, right? But then why aren’t we? I have found that one of the biggest secrets to saving is to be creative in the way that you spend, or don’t spend as the case may be. Saving is often hard to do because it’s not an immediate gratification. We are conditioned from a young age that saving involves putting your money in a ceramic piggy bank that only gets smashed when […]

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END OF THE MONTH SAVING TIPS

With the first quarter of 2014 safely stashed away, how can you build and improve your financial habits going forward? Perhaps you’d like to work on the way that you spend and save your money? The fun with making and saving money is that you can be creative and monopolise on really simple ideas that would work well for you. You don’t have to simply rely on your job for your income, you can explore other […]

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DON’T THROW YOUR MONEY AWAY

The number of people who are currently saving is declining, research shows. Last year MasterCard conducted a survey to discern consumer purchasing priorities and the research revealed that saving is a forgone priority in an increasing amount of household budgets. The biggest barrier-to-entry in any budget for savings is the belief that there is no ‘extra’ money to save, and as a result, the money is channelled into commodities, accommodation, groceries and other expense pockets. In […]

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FRESH SAVING TIPS!

Economists are not positive about the growth of investments this year as they foresee a tighter budgetary approach from investors who are feeling the pinch of rising costs. This means that all of us should be doing whatever we can to engage with our monthly spending plans and pull back on unnecessary costs. With that in mind, here are my regular ‘end of the month’ saving tips! 1. PREPARE MEALS YOURSELF, AT HOME The demand for […]

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PAY SARS LESS. PAY YOURSELF MORE.

With only a few days left in the tax year, you have just enough time to make a prudent financial decision that may save you a few thousand rand on your next tax return, and earn you considerably more than that at retirement!  It’s common practice amongst those astute in minimising their tax deficits and maximising their long-term gain: top up your Retirement Annuity contributions to equal 15% of your annual income for the current tax […]

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END OF THE MONTH SAVING TIPS

MONEY DOESN’T GROW ON TREES When last did you hear this saying? Probably when you were a child, a few decades ago…This expression has slowly been silenced by the loud announcements in our consumer driven society. All the messages that are pumped through the media and social networks tell us to consume; not to save and re-use.  Yes, times are tight and money certainly doesn’t grow on trees, but we have developed a mentality of exploring […]

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END OF THE MONTH SAVING TIPS

MASTER THE 30 DAY RULE Do you know what the 30 Day Rule is? Not? Want to know what your kids want most? Then this article is definitely worth a read! There are hundreds of saving tips out there but there was an article written on thesimpledollar.com just months before the recession of 2009 that had some simple, fresh and ingenious suggestions to saving money. I’ll share five of these with you know, as I did […]

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END OF THE MONTH 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 key element to a successful investment portfolio, but how do you start to save pockets of money to direct into these […]

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DO YOU NEED A FINANCIAL ADVISOR?

Iona Minton 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 financial advisors was the domain of the super rich. As the world settled down to growth and prosperity and […]

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