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3 questions – Infinite possibilities.

With every new start comes feelings of hope and new possibilities – a new year, a new city, a new job, a new relationship…we always tend to believe [or hope] that this time will yield a different and more positive outcome. With this, comes the pressure to succeed. So often, it doesn’t which can largely be attributed to our habits which make it difficult to sustain us until we reach our new goals and aspirations. We […]

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To save or not to save

So often we meet clients who tell us that they cannot afford to save because ‘school fees are really expensive’ and ‘looking after family members is derailing their savings goal’….and the list of reasons is endless. If we are really honest, life has changed dramatically in the past year and a bit. Things are not as black and white as they have been, and we cannot continue living as if death and financial insecurity is not […]

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Finding balance in tough times

2020 has been a very difficult year for most people. The loss of livelihoods as many companies were either forced to scale down or shutdown has been and continues to devastate so many. To compound the issue is the upcoming December holidays where many people will be spending time with family and will invariably spend more money than usual. Having a regular income and still not being able to afford all the things you need and/or […]

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Women, do something for yourself for a change

Women are known to think more of and do more for others than themselves, in the process sacrificing their careers, money and general wellbeing. In this women’s month, think about this: There is a very high likelihood that you, as a woman, will have to parent alone, will not save enough money to cater for your needs and will ultimately die poor and alone. Study upon study shows the odds are stacked against women. According to […]

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Is it possible to save in difficult times?

July has been designated Savings Month by the South African Savings Institute. Going by current data, South African households don’t really save much. SA’s household savings ratio refers to the income saved by households during a certain period and is calculated and published by the South African Reserve Bank. At the end of 2019, our savings ratio was -0.20%. That means, as a country, we spent more money than we earned and didn’t save at all. […]

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Keep those you support in the loop on your finances

South Africans are more than familiar with the joys and the strain of having to look after extended family. Stretching the rand further than what is considered humanly possible is a lot of people’s lived experiences. This is commendable and something that should be celebrated, if only it didn’t come at such a big cost. With impending job losses and an extended lockdown, the strain is going to be more pronounced. We’re all under pressure to […]

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It’s time to have those difficult conversations

We’re all reading more than usual. And, based on everyone’s social media posts, baking more than ever. I made bread and vetkoek for the first time and they turned out really well. But while we’re all becoming more domesticated, we’re also having to confront some of our worst nightmares, brought by Covid-19 and the subsequent lockdown. Many businesses have had to shut and many more will do so. With closures come the casualties – you and […]

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How to keep your business on a sustainable financial path

As an entrepreneur, I know how difficult it can be to manage your finances effectively. Often the lines between personal and business funds are blurred, particularly in the beginning when you’re trying to establish your business as an independent and self-sustaining entity. The Seed Academy, an entrepreneur support programme, found in its latest “State of Entrepreneurship” survey that 60% of the surveyed entrepreneurs were full-time entrepreneurs and that the majority (88%) were self-funded. Self-funded entrepreneurs, who […]

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Love languages and money

Gary Chapman wrote an international bestseller in 1992 titled The Five Love Languages: How to Express Heartfelt Commitment to Your Mate. He writes about the five ways to express and experience love between romantic partners which he calls “love languages.” They are gift giving, quality time, words of affirmation, acts of service and physical touch. Over the years, there have been a few variations of this book and the most interesting one I’ve found is the personal finance […]

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