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Do everything you can to encourage their entrepreneurial ambitions by allowing them to share their ideas without fear of ridicule. Avoid responses such as ‘you’ll never make money doing that’, ‘you can’t make a career out of that’, or ‘that’s
As trite as this may sound, not knowing where your money is going each month can be a huge source of anxiety. Too many bank accounts, retail accounts, debit orders and budgetary expense items can leave you feeling out of
When purchasing using your ‘straight’ facility, these purchases will be included when calculating the repayment owing at the end of the grace period. When purchasing on your ‘budget’ facility, you can select a period over which to repay the loan,
Debt is a mantel that can burden you daily. Being overly-indebted can be a dark place to be and a difficult place from which to escape. While you’re servicing expensive debt, such as credit card and retail debt, it is
Taxpayers are afforded several ways to reduce their tax liabilities, and it is advisable to employ these mechanisms to your benefit. Leaving ‘free money’ on the table doesn’t make financial sense so be sure that tax planning forms part of
In the absence of an emergency fund, you may be forced to access debt in order to pay for the unforeseeable expense you are faced with, keeping in mind that short-term debt is normally expensive. Ensure that you always have
Disability insurance is one of the most complex when it comes to the long-term insurance industry, so ideally seek the advice of an independent advisor when it comes to analysing your income protector. Understanding the nuances of your cover and
If you’ve never had a retirement plan prepared and you don’t know whether you are putting away enough for retirement, this will undoubtedly be a source of stress for you. According to the 10X Retirement Reality Report, 67% of economically
Regardless of how you choose to manage your money and bank accounts, it is always advisable that each partner has a bank account in their own name. When it comes to applying for credit or financing, you will need to
