After decades of rather complex tax rules around retirement savings, from 1 March 2016, a new simplified approach to encourage people to save for retirement is a breath of fresh air. Most people do not save enough for old age, that is a fact. In response to this dilemma, the South African Government has been…
I have recently been reminded of how fickle life can be. In one short moment, everything we know and assume to be normal, can be turned upside down. I was with a client a few weeks ago, discussing his financial plan. He is a young man of 27, who had not done any form of…
Breast cancer. Two scary words in any language. It affects so many of us, and we are powerless against becoming a statistic. We do know, though, that early detection saves lives. And whilst we are bombarded with information every October around our girls – how to examine them, when and where to go for medical…
Marriage is supposed to be forever. But with pressures of life, lack of communication, or infidelity, many people who eagerly said “I do”, end up saying “I don’t anymore” when the marriage ends up in the divorce court. The consequences are often devastating, both from an emotional and financial perspective. Where there are children involved, issues of…
Whilst life can feel like a ball, full of fun and promise, the day of retirement is looming somewhere ahead. When that income or salary stops, make sure you will be able to carry on rocking instead of being left on the stairs, wondering what happened and what now? The one mistake many of us…
Some people say money talks – it says ‘spend me spend me!’ Amusing as this may seem, most of us are not mindful about our money. Money is certainly not everything in life, but like any other valuable resource on this planet, it’s a sin to waste it. And it is a very valuable resource…
We all have beliefs about money – influenced by parents, our friends, and society. These beliefs drive our behavior and sometimes we are left wondering what went wrong? To avoid the pitfalls of poverty we need to make the right decisions and navigate through the many myths that exist. We need to know what is…
Money is everywhere. We earn it and we spend it. And some of us wonder where exactly it went! Ever considered the fact that you actually have an attitude towards money? And this money attitude impacts directly on your behavior and ultimately your financial wellbeing. Some of us are our own worst enemies when it…