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Budgeting

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When Different Money Backgrounds Collide 

By Jonathan Theunissen, CFP ® Understanding the emotional side of finances and how couples can find common ground.  Money is never just about numbers. It’s about security, freedom, self-worth, and even identity. This is why, in many relationships, money can become a source of misunderstanding or conflict, especially when two people come from very different[...]
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Why Investment Contributions matter more than Returns

By Jonathan Theunissen, CFP ® When clients think about building wealth through investing, one of the first questions they ask is: “What return can I expect?” But here’s the truth that decades of research has shown: consistent contributions – your behaviour – matter more than investment returns over the long run. This isn’t just theory.[...]
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Home Sweet Home: A Guide to Buying Smart and Living Well

By Katlego Mei, CFP ® Purchasing a home is an exciting milestone, but it can also feel overwhelming. To help you navigate this journey, let’s break down key factors to consider, both financially and beyond. The Budget Start by determining how much you can realistically afford. Review your income, expenses, and any existing debts. Remember[...]
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Your First Salary: Setting Yourself Up for Financial Success from Day One

By Jonathan Theunissen, CFP ® Earning your first salary is an exciting milestone, but it also comes with important financial responsibilities. How you manage your money from the start can set the foundation for long-term financial success. Here’s how you can maximize your first salary and build a strong financial future. Understand Your Payslip Before[...]
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Lasting Wealth: How to Stretch Your Retirement Savings

Lasting Wealth: How to Stretch Your Retirement Savings
by Katlego Mei, CFP® Making your retirement savings last longer is a concern for many retirees, especially in South Africa, where economic pressures can significantly impact financial stability. With careful planning and strategic management of your finances, you can enhance the longevity of your retirement savings. Here are several effective strategies to help you achieve[...]
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Nurturing Financial Wellbeing: Understanding Your Financial Personality

By Jonathan Theunissen, CFP® – Financial Planner  In personal finance, understanding your financial personality is key to achieving both economic stability and emotional wellbeing. Each individual has a unique approach to money management, shaped by their attitudes, behaviours, and experiences. By recognizing these traits and adopting micro-actions tailored to your financial personality, you can move[...]
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Unlocking financial success

By Stienemarié Bonsma-Potgieter, CFP® – Financial Planner Saving and investing can seem like an intimidating task, especially when life is continuously throwing curveballs. There are a lot of challenges that can keep us from starting the journey to financial freedom. Let’s look at some obstacles and identify practical ways to overcome them. Common barriers to[...]
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Budgeting Strategies for Financial Freedom

by Jonathan Theunissen, CFP® Budgeting is the cornerstone of financial success and a powerful tool for achieving financial freedom. It’s not about restricting your spending; instead, it’s about making conscious choices and allocating your resources to align with your goals. In this article, we’ll explore ten tips and techniques for effective budgeting that can help[...]
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