Tag: money

4 Ways to be more frugal and still feel like you are living your #bestlife

 

  1. Automate your savings and investment

The rich invest their money and spend what’s left. Think like the rich–invest your money first, then spend what’s left.”- Jim Rohn

This speaks to the philosophy of paying yourself first. It’s easier to say you will pay your bills first then, save/invest what is left.

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There has been much talk around black tax and the negative effects it can have on one’s financial journey. Most people not only feel obliged but are also expected to help out parents, siblings or cousins. Although not an easy topic to write about since everyone’s situation is completely different, here are a few tips on how you can still work towards financial freedom while helping family out.

  1. Communicate

Communication is so important in any relationship,

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The festive season is fast approaching and with all the braais, cocktail lunches with the girls, travelling with family and the Christmas lunch, your budget can easily be thrown out the window, giving you a financial hangover come January.

Here are some tips to stay on top of your finances throughout the holidays:

 

  1. Budget for your holiday expenditure

It’s easy to throw caution to the wind with all the festivities happening this time of the year.

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If you are an adult, you handle and make decisions about money on a regular basis. You should therefore know and be comfortable with a few financial terms:

  1. Interest and Compound interest

Einstein once said “Those who understand interest earn it, those who don’t, pay it!” Interest is the        cost of using somebody else’s money. When you borrow money, you pay interest. When you lend          money,

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1. Know yourself

Knowing yourself can save you money! Yes it can. I see people breaking their bank just because they lack an understanding of their values and priorities. How you spend money is a reflection of what you value. I for one value experiences more than ‘things’,  don’t get me wrong, my dream is to drive a Bentley one day but for now, I have to choose my battles i.e.

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Link to purchase tickets: http://qkt.io/X26FYk

Get Your Finances Right is a 2 hour workshop that will focus on the following areas of your personal finances:

  1. Budgeting – Budgeting tools and techniques.
    2. Calculating your net worth – tips and tools of how to increase your net worth.
    3. Wealth creation – types of investments and the tax implications.
    4. How your employee benefits fit into the picture for wealth creation.

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I do both my own and family’s tax returns (yes, they trust me like that) and every year without fail, I get some money from good old SARS. I get so excited at the thought of getting money from SARS, I even plan what I am going to do with the money J !!!! I know you are guilty of it too!

In the 2015 tax season SARS paid out 1.82 million refunds to the value of R15 billion – perhaps you too were lucky enough and got a piece of the pie that year.

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Starting can be the hardest part about investing. With all the jargon and unlimited fund options available, it can be very intimidating. Let me help you demystify all of this for you.

Join me on Instagram Live -Thursday 8th June at 7pm. I will focus on the following:

  • Option between Unit Trusts, Exchange Traded Funds or Tax-Free Savings Accounts
  • Costs
  • Risk
  • What kind of investor are you
  • How to read a fund fact sheet

Bring as many questions as you would like!

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