MONEY TALK

South Africa's best financial advice, research, how-to's, and insights

Spring is a season synonymous with many things, and of these perhaps the most unpleasant is spring-cleaning. Spring-cleaning is often a task we delay or start out inspired, after which the novelty wears off. Either way, an annual proper spring-cleaning session is not only good for your health but can also save you money, and… Continued

It’s spring! Flowers are blooming, birds are chirping and for those of us who have taken a winter sabbatical, its time to get back in shape. Unfortunately, with times being what they are, most of us have a strict budget to follow with no room for that monthly gym membership or health programme. Although it… Continued

In tough economic times personal credit feels like a blessing. A way for us to own the things we need (or think we need) to cope. That is why we would also like to believe the myths that encourage us to take on more debt, like these: MYTH 1: If you qualify for debt –… Continued

Does it feel as if the good intensions you have for your finances are always too short-lived? Are your finances plagued with a series of bad money decisions for every good one you make? If so, follow this four-step guide to get it right: Step 1: Give yourself a reality check. Take out your bank… Continued

Life is expensive. As monthly instalments and food prices go up, we have less and less control over our budgets and are forced to rely on our credit cards, accounts or overdrafts to fund the excess. A car breaking down and several medical bills just add to insult to injury, and before you know it… Continued

As working adults every life stage or decade brings with it a couple of financial priorities to master. While in your twenties, it is essential to cultivate a habit of saving. In your thirties the most crucial financial priority is to get your retirement savings on track, and in your forties saving for things like… Continued

This week marks the end of Saving’s Month but hopefully it marks the start to your on-going saving endeavours? A saving habit is not formed easily and needs to be practiced daily, weekly and monthly, just like you would practice any fitness regime. Make saving on everyday things, like your groceries, a weekly activity, and… Continued

A wedding is one of the biggest highlights of any couple’s life together. And as we near the wedding season, we want to share our 5-step wedding saving guide to help you save enough for the special day and prevent you from having to take on any new debt. Times have changed. Couples are getting… Continued

Saving is hard. It requires on-going commitment to your savings plan, every day, week, month and year. No wonder South African households have a savings rate of only 1.1%. However, the time to change from a non-saver to a saver is now! The trick is to stop thinking of saving as a nice-to-have and rather… Continued

July is national savings month and according to the South African Savings Institute (SASI), South African households have a savings rate of 1.1% and debt to disposable income percentage of 76.6%* Some of the reasons for the poor savings culture in the country are said to be the 26.7% unemployment rate, a lack of financial… Continued

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Thank you!

We look forward to the opportunity to get you debt-free!