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A budget is the cornerstone of a good financial plan. It gives you control over your money and enables you to create space for savings that can ultimately build wealth.

It is easy to blame bad luck for your financial misfortunes, but you can choose not to be a victim by being prepared. Setting up an emergency fund can prevent you having to borrow when things don’t go the way you expected.

It is easy to blame bad luck for your financial misfortunes, but you can choose not to be a victim by being prepared. Setting up an emergency fund can prevent you having to borrow when things don’t go the way you expected.

It is easy to blame bad luck for your financial misfortunes, but you can choose not to be a victim by being prepared. Setting up an emergency fund can prevent you having to borrow when things don’t go the way you expected.

Understanding your relationship with an insurer is key to ensuring you get cover that will pay out when you or your family needs it.

Understanding your relationship with an insurer is key to ensuring you get cover that will pay out when you or your family needs it.

It is easy to blame bad luck for your financial misfortunes, but you can choose not to be a victim by being prepared. Setting up an emergency fund can prevent you having to borrow when things don’t go the way you expected.

Many pension, provident and retirement annuity members have to buy an annuity or monthly pension with their savings when they reach retirement. Understanding the options not only helps you make a wiser choice at retirement, but also can improve your pre-retirement planning.

Many pension, provident and retirement annuity members have to buy an annuity or monthly pension with their savings when they reach retirement. Understanding the options not only helps you make a wiser choice at retirement, but also can improve your pre-retirement planning.

Lots of people will give you investment advice - and not all of it will be good. But knowing the facts, will help you feel confident about which advice is sound.

Lots of people will give you investment advice - and not all of it will be good. But knowing the facts, will help you feel confident about which advice is sound.

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Diversification is a way to reduce investment risk. If you are exposed to more than one share, sector, region, asset class or manager, you reduce the risk that one delivers poor returns.

A good financial life isn’t about how much you earn. Starting a few good habits early on could set you up for life.

A new baby means a new chapter of life and with it a review of your finances. Take time before the birth to puts some plans in place.

When you start to put down roots, you may need to fund expensive things like a house, a car, or even a family. This is the time many people start to incur debt, but some sound financial habits can help you avoid these pitfalls and put down solid foundations instead.

Life gets more complicated in the middle years. You are working hard, building a career or a business, are likely to have family commitments and a need to make space for your own interests. This is not the time to let your finances spiral into debt because you neglected to plan.

Payments on death have increased 60% as a result of the pandemic but many families remain exposed to the risk of losing a breadwinner.

Payments on death have increased 60% as a result of the pandemic but many families remain exposed to the risk of losing a breadwinner.

If you start investing early enough, providing for your child’s tertiary education will be less onerous. If you haven’t yet started, here’s how to get started immediately, as every bit you save means less to borrow.

Parents have a big job. Kids need to learn not only their school work, but how to be polite, responsible and helpful. Another life skill that will really benefit them is learning to manage money. Here are some easy, practical ways to teach that.

Parents have a big job.

A single income and most – if not all – the responsibility for child care puts many single parents under financial pressure. Careful planning is key to beating the odds and being a super-hero at home and financially.

As a woman, you need to stay as much on top of your finances as you do your home - the risks are high that you may end up single at some stage.

As a woman, you need

If you believe the role of financial adviser is just to flog you products, you have the wrong idea and possibly the wrong adviser. An adviser should provide you with a plan that gives you financial peace of mind.

It is very hard to prepare for the future when your whole life is still ahead of you. But young people who follow three easy steps can broaden their options and be sure they don’t have to rely on any one when age comes creeping up.

It is very hard to prepare for the future when your whole life is still ahead of you. But young people who follow three easy steps can broaden their options and be sure they don’t have to rely on any one when age comes creeping up.

The licensing of financial advisers and their practices affords you some protection, theres some checking you should also do before you take advice from anyone.

It is hard to think about your old age when you are young. It is hard to prioritise saving for something so far ahead when you have pressing needs right now. But not giving some consideration to your future self now could be something you regret for many years when your capacity to earn and ability to live without comforts starts to diminish.

Longer lives are already a reality and they will only get longer, with predictions that we may even live to 150. But longer lives mean rethinking retirement and how you finance it.

Longer lives are already a reality and they will only get longer, with predictions that we may even live to 150. But longer lives mean rethinking retirement and how you finance it.

If you expect to be given investment tips, or dive straight into business at your first meeting, you may have the wrong idea about how the financial planning process unfolds.

More tax practitioners have moved their tax return filing services online. Without an office to visit, you need to take more care that you are using a registered practitioner.

More tax practitioners have moved their tax return filing services online. Without an office to visit, you need to take more care that you are using a registered practitioner.

A financial plan should cover a number of key bases to ensure all aspects of your financial life are catered for in the most cost- and tax-effective way.

As the month of messaging about saving has passed, remember just one thing: you can start saving any time but the sooner the better. 

As the month of messaging about saving has passed, remember just one thing: you can start saving any time but the sooner the better. 

As the month of messaging about saving has passed, remember just one thing: you can start saving any time but the sooner the better. 

It seems wrong to pay higher interest rates on top of high inflation. But there is good reason and it means you will have to tighten your belt for a rough ride, before it gets better.

There is a small but growing number of financial advisers charging fees based on time rather than a percentage of your investments. Is it time to reconsider how you pay your adviser?

It seems wrong to pay higher interest rates on top of high inflation. But there is good reason and it means you will have to tighten your belt for a rough ride, before it gets better.

There is a small but growing number of financial advisers charging fees based on time rather than a percentage of your investments. Is it time to reconsider how you pay your adviser?

It seems wrong to pay higher interest rates on top of high inflation. But there is good reason and it means you will have to tighten your belt for a rough ride, before it gets better.

There is a small but growing number of financial advisers charging fees based on time rather than a percentage of your investments. Is it time to reconsider how you pay your adviser?

It's neither a share nor an investment product, but rather your own behaviour. But you can fix it.

It's neither a share nor an investment product, but rather your own behaviour. But you can fix it.

It's neither a share nor an investment product, but rather your own behaviour. But you can fix it.

Regular check-ups are best, but certain key events should always be an alert that it time for a review of your essential cover.

Could you be due any of more than R33 billion in unpaid life insurance policy and investment proceeds? Fortunately, you can still claim.

Could you be due any of more than R33 billion in unpaid life insurance policy and investment proceeds? Fortunately, you can still claim.

Could you be due any of more than R33 billion in unpaid life insurance policy and investment proceeds? Fortunately, you can still claim.

After the age of 65, there are some tax breaks you should utilise. But it may require you to fill in a tax return.

After the age of 65, there are some tax breaks you should utilise. But it may require you to fill in a tax return.

After the age of 65, there are some tax breaks you should utilise. But it may require you to fill in a tax return.

We are in the midst of another market crisis and it may get pretty scary. But despite the volatility, managers expect they will be able to deliver good long-term returns.

We are in the midst of another market crisis and it may get pretty scary. But despite the volatility, managers expect they will be able to deliver good long-term returns.

We are in the midst of another market crisis and it may get pretty scary. But despite the volatility, managers expect they will be able to deliver good long-term returns.

The tax benefits of investing in a tax free investment can be substantial over time. But be aware of some caveats before you choose this investment.

The tax benefits of investing in a tax free investment can be substantial over time. But be aware of some caveats before you choose this investment.

The tax benefits of investing in a tax free investment can be substantial over time. But be aware of some caveats before you choose this investment.

It is time to mark some dates on your calendar and get organised for tax filing season. Here's what you need to know.

It is time to mark some dates on your calendar and get organised for tax filing season. Here's what you need to know.

It is time to mark some dates on your calendar and get organised for tax filing season. Here's what you need to know.

Smaller managers who choose to invest very differently to the benchmark may provide good diversification from larger managers and index-tracking investments. But you need to be aware of the risks.

Smaller managers who choose to invest very differently to the benchmark may provide good diversification from larger managers and index-tracking investments. But you need to be aware of the risks.

Smaller managers who choose to invest very differently to the benchmark may provide good diversification from larger managers and index-tracking investments. But you need to be aware of the risks.

Pulling up the duvet and doing nothing doesn’t help when costs are rising. You have to make a plan to deal with the increases and the impact on your budget.

Pulling up the duvet and doing nothing doesn’t help when costs are rising. You have to make a plan to deal with the increases and the impact on your budget.

Pulling up the duvet and doing nothing doesn’t help when costs are rising. You have to make a plan to deal with the increases and the impact on your budget.

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