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Friday | 18 November | 2016 Gifts on a budget – managing expectations this festive season

The festive season is around the corner and if you find that you are dreading buying expensive gifts for family and friends on top of all your other financial responsibilities, it is time to change your approach to gift giving. “The biggest difficulty around making the change to giving inexpensive gifts, is managing the expectations of the receivers,” says Eunice  … Read more

Friday | 11 November | 2016 Renting or buying? It depends

Buying your first property is one of the biggest financial decisions you will ever make. Instead of insisting on owning a property, you may want to consider renting for a while longer before making the commitment that goes with owning your own home. Many buyers make huge financial mistakes when they blindly believe that buying is always better than renting.  … Read more

Thursday | 20 October | 2016 Holes in my budget: Causes and cures

Francois Smit     I have often heard students say: “I have a lot of month left over at the end of my money.” The reason for this is usually bad planning. In Potchefstroom it could mean that you probably paid a visit to Bourbon Street six times in the first two weeks of the month, and this resulted in  … Read more

Wednesday | 12 October | 2016 How much rent should you pay?

Before setting out to rent a home, you need to know how much you can afford to pay each month – and that’s not quite as simple to calculate as it may seem. “Financial experts will say you shouldn’t spend more than a third of your gross monthly income on rent,” notes Andrew Schaefer, MD of leading national property management  … Read more

Tuesday | 04 October | 2016 How to save money on your home contents insurance

Between etolls and inflation, we’re all looking for ways to save a little extra every month. Sometimes that means cutting back on how often you eat out, buying a cheaper shampoo, or waiting for that latest blockbuster to come out on DVD instead of seeing it on the big screen. Sometimes, though, it can mean upgrading your home a little  … Read more

Tuesday | 04 October | 2016 Always broke before payday? Heed this advice

Karen van der Berg     There is so much month left at the end of my money. If you regularly feel like this and come payday don’t have a cent to your name, it’s time to start doing things differently. With the necessary planning it is possible to still have some of your salary left over at the end  … Read more

Thursday | 22 September | 2016 Property: Don’t fix your rate

The prospect of further interest rate increases this year and early next year has sent many borrowers running to their banks in pursuit of fixed interest rates on their home loans and other debts. However, says Berry Everitt, MD of the Chas Everitt International property group, the time to fix a rate is when interest rates generally are dropping or  … Read more

Wednesday | 21 September | 2016 Is there a maximum % by which rent can be increased?

In terms of the Rental Housing Act:   (6)   “A lease contemplated in subsection (2) must include the following information: (c)   The amount of rental of the dwelling and reasonable escalation, if any, to be paid in terms of the lease;”   The tenant and landlord can agree on the period of the lease (fixed term or monthly) and reasonable  … Read more

Friday | 16 September | 2016 Reckless credit – when your debt is your creditor’s fault

Credit providers use alluring tactics to convince consumers to obtain credit. In some instances the sales person is more focused on his sales target than your actual financial circumstances. This becomes a dangerous position for both the consumer and the credit provider. The situation is dangerous for the consumer because he finds himself in a position where he may be  … Read more

Friday | 02 September | 2016 Filing season 2016: Tax tips for taxpayers

The 2016 Tax Season opened on 1 July for taxpayers submitting returns for the March 2015 – February 2016 tax year. Tax Season runs from July to November (provisional taxpayers submitting via eFiling have until January 2017 to submit).   Dates to remember: 25 November 2016 – At a SARS branch (provisional and non-provisional) 25 November 2016 – eFiling (non-provisional)  … Read more

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