Financial Planning Archives

The Power of Phasing In Capital When You Start Investing

Stienemarié Bonsma-Potgieter, CFP® – Financial Planner Starting to invest is one of the most important financial decisions a person can make, yet it is often delayed for too long. Many people wait because they want the timing to feel right. They hope markets will settle, uncertainty will ease, and a clearer moment to begin will[...]

By Katlego Mei, CFP ® Many people think a good investment strategy is only about growth. They focus on returns, market performance, and picking the right products. That matters. But there is another part of investing that deserves just as much attention: liquidity. Liquidity simply means having access to money when you need it. It[...]

by Jonathan Theunissen
Posted on April 21, 2026
in Budgeting, Financial planning, Investing

By Jonathan Theunissen, CFP ® Intelligence helps people solve problems, build careers, and handle complexity. But money does not always reward intelligence. Many capable, successful people still overspend, delay investing, take unnecessary risks, or avoid basic financial planning. That may seem surprising, but it is common because money decisions are rarely driven by knowledge alone.[...]

Stienemarié Bonsma-Potgieter, CFP® – Financial Planner Investing is often described as a rational process shaped by facts, data, and careful decision-making. In reality, it is far more human than that. Every investor brings emotion into the process, whether they realise it or not. Fear, doubt, impatience, and even optimism influence the way people respond to[...]

By Katlego Mei, CFP ® For many people, earning more should mean making real financial progress. Yet that is often not what happens. Income rises, but savings do not. Debt remains. Financial stress stays close. The reason is usually lifestyle creep. Lifestyle creep happens when your spending rises as your income rises. At first, it[...]

By Katlego Mei, CFP ® Every January, financial resolutions arrive with confidence. Save more. Spend less. Invest properly. By February, many of them fade. This is not a discipline problem. It is a behaviour problem. Money decisions are emotional. They are shaped by habit, fear, optimism, and routine. Behavioural finance helps explain why good intentions[...]

by Stienemarié Bonsma-Potgieter
Posted on October 28, 2025
in Budgeting, Financial planning, Investing

Stienemarié Bonsma-Potgieter, CFP® – Financial Planner Spring is the season of fresh starts. Just as you might clear out cupboards or tidy the garden, it’s the perfect time to give your finances the same attention. A financial spring clean helps you see where you stand, fix what’s out of order, and set up good habits[...]

Stienemarié Bonsma-Potgieter, CFP® – Financial Planner Financial independence is a cornerstone of personal freedom. For women, this is especially important. Too often, financial planning gets delayed or left in someone else’s hands. The reality is that every woman needs her own unique plan. A financial plan is more than a savings account or a retirement[...]

Stienemarié Bonsma-Potgieter, CFP® – Financial Planner When it comes to investing, the terms “product,” “portfolio,” and “plan” are often used interchangeably. They are however not the same thing. Understanding the differences between these concepts can help you make better decisions about your financial future. What Is an Investment Product? An investment product is a vehicle[...]

by Jonathan Theunissen
Posted on June 17, 2025
in Budgeting, Financial planning, Relationships

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[...]

Financial Planning

The Power of Phasing In Capital When You Start Investing

Why Liquidity Matters at Every Stage of Life

Why Smart People Still Make Bad Money Decisions

Why Long-Term Investors Need Perspective During Short-Term Noise

Lifestyle Creep: The Quiet Threat to Building Wealth

Money Resolutions That Actually Stick

Spring Cleaning Your Finances: How to Get Organised Before the Year-End Rush

Money and independence: Why every woman needs her own financial plan

A Product, a Portfolio and a Plan

When Different Money Backgrounds Collide

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