How to Build a Savings Habit While Paying Off Debt
When you are juggling debt payments, saving money might feel impossible. But building a savings habit while paying off debt is not just doable; it’s one of the smartest financial moves you can make. This Savings Month, we’re encouraging South Africans to take small, consistent steps toward financial freedom, even if they’re starting with limited […]
What Happens When You Ignore Your Debt?
Ignoring your debt might feel like a temporary relief, but the longer you wait, the worse it gets. In this article, we explain exactly what happens when you do nothing about your debt, and share practical steps you can take today to get back on track. Consequences of ignoring your debt If you’ve ever avoided […]
Emergency Funds vs Debt Payments: Which One Comes First?
When money is tight, choosing between saving to build an emergency fund and paying off debt can feel like an impossible decision. You know you need to be prepared for emergencies, but you also want to stop debt from piling up. So, which one should come first? With South Africa observing Savings Month this July, […]
Should You Save or Pay Off Debt First?
July is National Savings Month in South Africa, a time to reflect on our money habits and make smarter choices for our future. One of the biggest questions people ask during this time is: Should I save money or pay off debt first? The truth is there’s no one-size-fits-all answer. It depends on your financial […]
Why You Need to Check Your Credit Report Regularly
Keeping a close eye on your credit report is one of the simplest yet most effective ways to maintain control over your financial health. Regular checks not only ensure that your file is accurate but also help you detect fraud early. Let’s dive deeper into why you should make credit report monitoring a routine part […]
Financial Self-Care: How to Make Money Management Part of Your Wellness Routine
Introduction In today’s fast-paced world, managing money isn’t just a practical necessity—it’s a key aspect of personal well-being. Money management affects our mental health, confidence, and overall life satisfaction. Just like eating healthy, exercising, and managing stress, taking care of your finances is a form of self-care. But how do you integrate it into your […]
How to Talk About Money: Breaking the Silence in Relationships and Families
Introduction Money is one of the most common sources of stress in relationships, and one of the least talked about. Whether you’re splitting bills with a partner, planning for the future with family, or trying to teach your kids good money habits, avoiding the money talk can lead to confusion, conflict, and even resentment. But […]
The Cost of Lifestyle Inflation: How to Avoid Overspending as You Earn More
Introduction You’ve landed a promotion, changed jobs, or started earning more—congrats! But with that raise comes a quiet threat: lifestyle inflation. It’s the tendency to increase your spending as your income grows, often unconsciously. While it feels natural to reward yourself, unchecked lifestyle inflation can delay financial goals like homeownership, retirement, or becoming debt-free. This […]
Retirement Planning Beyond Pensions: Alternative Ways to Secure Your Future
Introduction Relying solely on a pension in today’s unpredictable economy might not be enough to guarantee a comfortable retirement. With rising living costs, inflation, and changing job structures, it’s become essential to diversify how we prepare for the future. This article explores various non-traditional retirement planning options—from property investment to diversified portfolios—designed to offer greater […]
How to Build Generational Wealth Without Taking Big Risks
Introduction When we hear the phrase “generational wealth,” it often conjures images of vast fortunes or risky investments. But the truth is, building a lasting financial legacy doesn’t require winning the lottery or taking huge financial gambles. Instead, it’s about being intentional, consistent, and smart with your money. In this article, we’ll explore practical, low-risk […]