Category Archives: Personal Finances

Tax Returns: Pay less and save more

They say nothing’s certain in life, but death and taxes. But there’s no reason why you can’t get savvier with your tax returns and apply savings towards a cushy retirement or other smart investments. We’ll help you better understand your … Continue reading

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Junk Status, recession and my debt

We are all aware that the volatile political landscape of South Africa has had a dire influence on the credit ratings adjusting our status to junk and we are officially also in recession.   We as ordinary citizens cannot do much … Continue reading

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How to Save on a Tight Budget

An emergency fund is not only useful to help you pay for unexpected car problems, household emergencies or unforeseen hospital bills, but it can critically determine whether you remain able to keep a roof over your head. Many people, no … Continue reading

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Legal ways to pay less tax and grow wealth

In the National Budget address at the end of February, the Finance Minister is expected to announce tax increases. Fortunately, there are many ways to grow wealth in a tax efficient way. Speak to your financial adviser about ways to … Continue reading

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‘Tis the season to pay taxes

It’s time to file your tax return again and the South African Revenue Service (SARS) has changed its system to allow only registered tax practitioners to file on behalf of another person. “If you make use of a tax practitioner, … Continue reading

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Credit Amnesty might not be such a good idea, here is why:

On 5 September 2013, the South African Cabinet released a statement confirming its approval of credit amnesty. According to the statement, the “credit amnesty seeks to address the issue of access to credit to those South Africans that can afford … Continue reading

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Seven ways to save without changing your lifestyle

Behavioural finance shows us that if we have to cut back on our lifestyle in order to save we experience this as “a loss” today rather than as a long term benefit. This feeling of a loss can really demotivate … Continue reading

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