Money Management

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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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How You Might Be Harming Your Financial Future Without Realising It

Without an intentional financial strategy to guide us, it’s easy to make mistakes that could harm our financial future.
Stienemarié Bonsma-Potgieter, CFP® – Financial Planner When it comes to managing money, emotions often play a bigger role than we think. Fear, excitement or even impatience can cloud our judgment and lead to poor financial decisions. Without an intentional financial strategy to guide us, it’s easy to make mistakes that could harm our financial future.[...]
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Navigating Your Finances After Divorce

Stienemarié Bonsma-Potgieter, CFP® – Financial Planner No one goes into marriage with the intention of divorcing but unfortunately it is sometimes part of life. Divorce brings forward a lot of changes, including to your financial life. Understandably this is a very difficult time but planning your financial future after divorce is essential, especially when children[...]
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Smart Tips to Balance Family and Finances!

Smart Tips to Balance Family and Finances!
By Katlego Mei, CFP ® The sandwich generation in South Africa faces unique financial challenges, balancing the responsibilities of supporting ageing parents and raising children. This dual burden can strain financial resources and complicate long-term planning. In this article, I discuss a few tips that can help you plan optimally to address the challenges that[...]
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How to manage lifestyle and tax creep

How to manage lifestyle and tax creep
Stienemarié Bonsma-Potgieter, CFP® – Financial Planner Have you noticed a pattern in increased spending as your income increases? This subtle increase in spending is known as lifestyle creep, and it can quickly derail your financial progress. Alongside it, tax creep occurs when higher earnings push you into a higher tax bracket, leaving you with less[...]
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Essential Checklist for Reviewing Your Financial Plan

Essential Checklist for Reviewing Your Financial Plan
Stienemarié Bonsma-Potgieter, CFP® – Financial Planner A well-crafted financial plan is a cornerstone of financial stability and future success. However, life is dynamic, and our financial needs and goals can change over time. A financial plan should therefore not be set in stone and should be adaptable. Regularly reviewing your financial plan ensures that it[...]
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