Category Archives: Personal Finances

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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Be careful of the high cost of living

After the petrol hike and the proposed higher electricity costs looming, your living expenses will be more expensive. You will need to address this now or you will find yourself in trouble within 6 months. 1. Have a contingency fund. … Continue reading

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Five strategies of successful wealth creators

1. They always know what is going on in their finances Take a few hours every month and do your admin. File your policies and investments; go through your bank statements. Understand where you are spending your money – you … Continue reading

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What is stopping you from saving?

Whether you’re a Yuppie, Dinky or Guava, you can take control of your finances – and your future – by understanding the pressures and expectations that divert saving to spending at different stages of life. Here are some of the … Continue reading

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The Consumer Protection Act and your small business

The Consumer Protection Act (CPA) is undoubtedly a game-changing piece of legislation and promises to completely shake up the way business is done in South Africa. Signed into law in April 2009, but only being brought into effect as of … Continue reading

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What must you do if your debt counsellor is not performing?

As a registered debt counsellor with 75% of my clients from other debt counsellors who did not follow the procedures as set out in the National Credit Act 34 of 2005 regarding the conduct of a debt counselling application, I … Continue reading

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