Calculate your net worth

Why is it important to keep track of your net worth? That is because it is essential in assisting you to meeting your long-term goals. Whether you are saving for university or investing for retirement, tracking your net worth can provide an effective way to Read More

5 Excuses we make for not ‘Budgeting’

You may have heard ‘Ignorance is bliss’. In some cases this may be true but when it comes to money it is the root of financial pressure and many ruined relationships. After a decade of financial education workshops, here are some of the most inexperienced Read More

Crash proof your plans

A question we often get in workshops is: ‘What do we do when life happens?’ In other words what must we do when we have unexpected expenses? The answer: Expect them. We don’t mean to sound negative but drama happens. You may have reversed into Read More

What to do if you have a garnishee

Definition: Garnishee A garnishee order is a court order requiring an employer to withhold part of their employee’s salary and pay the amount directly to that employee’s creditor for a debt which is due. This method ensures the employee makes some payments towards a debt Read More

Debit order disaster looms

After the festive season, which usually comprises of gift-giving, holidaying and unusually high spending, South African consumers reach the end of January in a predicament of owing lump sums of money, which they cannot afford to repay. This is exacerbated by the cost of school Read More

Deceased estates

An inheritable estate refers to the total of your assets less all liabilities. Freedom of testation allows you to nominate the heirs to your estate in the unfortunate event of your passing. Unfortunately many of us fail to draw up a valid will, leaving our Read More

Your Will: Words for the wise

Your will has been drawn up, witnessed and safely filed with your executor or financial planner. Signed, sealed and delivered. Or maybe not. As is the case with most legal documents, the language you use when you draft a will can have a significant effect Read More