Financial Planning
If you don’t have a natural inclination towards saving, start out small and set mini-goals that are both realistic and achievable. Rather than thinking ten years ahead or trying to save for something big, set smaller, shorter-term goals that you
Municipal rates and taxes are calculated based on the market value of your home, which means that larger homes with a higher market value will have higher municipal rates. Speak to the seller of the property about what they are
RA investors have complete flexibility when it comes to investment premiums. Investors are able to stop and start premiums as they choose without any penalties or fees being charged. Premiums can be set up via monthly, quarterly or annual debit
Tax legislation permits you to invest up to 10% of your taxable income towards charity on a tax-deductible basis, although it is important to know that this tax deduction is not automatic.
Avoid the temptation of buying every possible gadget for your baby until you know exactly what it is you need. Chat with other new parents and do your research online before you spend your hard-earned money on baby scheduling timers,
In trying economic times, channelling funds towards a long-term investment may require some budget manipulation – which is easier to undertake if you consider the ultimate goal of retirement on your own terms and in your own time.
If you have to keep on working for financial reasons, bear in mind that your health is quite literally your wealth. Besides for the medical costs that come hand-in-hand with an injury or illness, time off work and the resultant
A practical way to teach the art of delayed gratification is to use an Advent Calendar or something similar. It is also an excellent way to help your child understand the connection between time and reward.
Like an anchor, mounting credit card debt weighs one down and can prevent a person from moving forward in life. For many people, debt feels ‘free’ when they’re swiping their card as opposed to paying with cash, with research showing
More and more adults are finding themselves in positions where they need some level of support, whether it be financial, emotional or physical. Caring for aged parents can put a strain on your own relationships with your spouse and children
