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Tuesday | 19 March | 2019 Hold on to your policies in tough times

By Emsie Martin As the cost of living continues to soar, more and more South Africans are finding themselves buckling under the financial pressure of rocketing inflation. In addition, there is a very real risk that interest rates will increase further, and rising expenses and changes to your personal circumstances may affect your ability to afford insurance cover. However, it  … Read more

Tuesday | 19 March | 2019 I do have a will, but is it valid?

By Emsie Martin Any person of 16 years and older may in a written document (will) decide what should be done with his property after his death. To be valid, it must be drawn up in accordance with the formalities of the Wills Act (Act 7 of 1953). Formalities for a valid will The will must be signed at the  … Read more

Monday | 18 March | 2019 Do you qualify for a SASSA grant

By Emsie Martin Sometimes it is really difficult to understand when you qualify for an old age grant. An older person’s grant is paid to people who are 60 years or older and it used to be called old-age pension. The following important points are given by the Department of Social Development of South Africa: How do you know when  … Read more

Monday | 04 March | 2019 Do you sabotage your own happiness?

By Essie Bester A smile is not the only element of happiness – most researchers into happiness concur. Positive emotions are only a portion of a series of components that help you to flourish. You also need positive relationships. Energy is important, as well as the experience of meaning and the realisation that you can achieve or complete something. To  … Read more

Tuesday | 19 February | 2019 How does one budget in these times?

By Wilma Bedford It is essential that you regularly scrutinise your personal budget to make sure that you are realistic and that you will attain your savings targets. Regular reviews will reveal your real spending pattern, will help you to make informed decisions ─ such as can I really afford a new car? ─ and to develop sound financial habits  … Read more

Tuesday | 12 February | 2019 Don’t make debt your Valentine

By Emsie Martin We all know it is sometimes difficult to make time to spend an evening with your partner or to have us-time together. Apart from not having time, worries about money could also prevent you from celebrating Valentine’s Day. But you can make the day or evening special without breaking the bank. Matthys Potgieter, a debt counsellor working  … Read more

Tuesday | 05 February | 2019 How to pay off your debt

By Nico Strydom It’s much easier to incur debt than to get rid of it, but there are ways you can live debt free. As with anything else in life the most important thing is to first adjust your mind-set. When you owe money, you don’t just pay back the capital, but also a huge amount of interest. You are  … Read more

Tuesday | 29 January | 2019 Start over ─ pay your credit card

By Emsie Martin It’s a new year and the perfect time for a fresh start, but perhaps your vacation was a tad lavish and your credit cards operated to their limits. Now you need another year to pay your credit card debt. Here are a few hints to recover from your holiday debt as fast as possible. Make sure how  … Read more

Tuesday | 29 January | 2019 How to handle your debt in 2019

By Dr. Eugene Brink December is over and you have probably piled on some ugly debt through vacationing and splurging on Christmas. Perhaps this debt already existed before you exacerbated it with your December spending. First off, you can find solace in the fact that you are certainly not the only one. Many people in South Africa and in fact,  … Read more

Friday | 18 January | 2019 Credit records and being blacklisted: What and whereto?

By Dr Eugene Brink Being blacklisted is something that has gained significant notoriety in South Africa. It tells how careless a person has been with his or her money and could seriously hamper his or her ability to borrow money and get credit in future. Unfortunately, on the whole, it reflects negatively on a person’s character and casts considerable doubt  … Read more

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