Setting goals is a powerful tool that can transform your life and drive you toward success. Whether personal or professional, having clear objectives helps you stay focused, motivated, and organised.  Setting goals provides direction and purpose in our lives. It enables us to create a roadmap for our personal and professional growth. Without goals, we may find ourselves drifting aimlessly, lacking motivation, and feeling unfulfilled. Goals act as a compass, guiding us towards what we truly desire. Moreover, setting goals allows us to break down our aspirations into manageable steps. By d ..read more

Keeping a close eye on your financial transactions is crucial. One of the most effective ways to do this is to check your bank statements regularly. Many people underestimate the importance of this simple task, but it can significantly impact safeguarding your finances.  Why is regularly checking your bank statements important? Regularly checking your bank statements is important for several reasons. Firstly, it allows you to monitor your financial activity and ensure that all transactions are accurate. Mistakes can happen, and sometimes unauthorised transactions may appear on your state ..read more

Bad financial habits can significantly impact our lives, affecting our financial stability, emotional well-being, and overall quality of life. These habits, from overspending to neglecting to save for the future, can lead to a cycle of financial stress and uncertainty. Understanding the consequences of these habits is the first step towards breaking free from their grip. One of the most apparent impacts of bad financial habits is debt accumulation. Whether credit card debt, Micro-loans, or personal loans, debt can be incredibly stressful and restrict your financial freedom. Debt repayment oft ..read more

For those fortunate to get a bonus this year, you know that there are endless options to spend your money on. At times it can even be overwhelming or discouraging when you see all the bills you need to pay and the gifts you want to buy for your loved ones for Christmas. Instead of just spending your bonus and wasting it this year, we’ve put together 10 smart tips for you to spend your bonus and to help you avoid buyer’s remorse. Pay off debtIf you have debt that you can clear with your bonus – do it. The interest you’re paying on there is just taking more off your hard-earned money every mon ..read more

The saying counting your pennies has gotten a new lease on life with the current global economy. Inflation is on the rise; fuel costs are at a record high, and we’ve just seen another electricity tariff hike in recent months. South Africans are digging deep in their pockets and having to stretch their income in new ways. Budgeting in South Africa When it comes to budgeting in South Africa, many people don’t even have a budget. Some just simply don’t know how to start a budget. In the current economic landscape, if you don’t have a budget, then now is a great time to start. With South Africans ..read more

When it comes to investments, there are so many different options and approaches to take that it’s no wonder so many people don’t know where to start. This is the problem – you don’t know where to start, so you simply don’t start investing. They say rather late than never, but when it comes to investing, that’s not entirely true. The sooner you start, no matter how little you think you can invest, the better. The South African economy is tough right now; inflation rates are high, and interest rates keep going up, but how will you choose to respond? Now is not the time to be reactive but to be ..read more

The COVID-19 Pandemic has changed the lives of every living thing on Planet Earth. The old normal is gone to be replaced by a new normal from now on. The problem is how to determine what the new normal is for habitants of Planet Earth. More importantly, how to determine our own personal new normal. The COVID-19 Pandemic brings to mind “the butterfly effect” which many people understand as a theoretical concept where it is imagined that a butterfly flapping its wings in a far off land can cause a disturbance in the air currents that can cause a catastrophic weather event such as a tornado thou ..read more

The South African unemployment rate is very high and continues to climb during these tough economic times as more people are being retrenched. If retrenchment is on the cards for you, then you must understand your rights and what you are entitled to under South African law. Below are some of the financial benefits that you are entitled to if you are retrenched. Notice Pay The notice period that employers are required to give employees is determined by the employee’s length of service and is usually between one to three months. Employers have the choice of paying employees to work during the n ..read more

Retrenchment is one of the most difficult things that anybody can experience. The reality is that many South Africans are facing possible retrenchment, or they have already been impacted by retrenchment. Losing your job can be an incredibly scary and overwhelming time. It impacts us financially, emotionally, and mentally too. If you find yourself in this position, then you need to know which steps to take to navigate this difficult time. Understand Your Rights You need to understand your rights as an employee when you get retrenched. South African Labour Law provides protection and entitlemen ..read more

The saying counting your pennies has gotten a new lease on life with the current global economy. Inflation is on the rise; fuel costs are at a record high, and we’ve just seen another electricity tariff hike in recent months. South Africans are digging deep in their pockets and having to stretch their income in new ways. Budgeting in South Africa When it comes to budgeting in South Africa, many people don’t even have a budget. Some just simply don’t know how to start a budget. In the current economic landscape, if you don’t have a budget, then now is a great time to start. With South Africans ..read more