emergency fund
While a budget should be bullet proof it should not be cast in stone. As your personal circumstances change, so too should you budget. Poor market returns, unrealistic goals or expectations or changing jobs may necessitate that you adjust your
It’s in times like these that we realise the true value of having a second or passive income. Having an alternate source of income, regardless of how small, can help to mitigate the risk of income loss or reduction.
By all accounts, we will be confronted with Covid-19 in South Africa for some time still. Time is of the essence when it comes to budgeting and financial management, and the cost of doing nothing can be great.
Now is a good time to ensure that your emergency funding is immediately accessible and that your loved ones can access it quickly and with minimal red tape.
Now is not the time to panic, but now is the time to act decisively.
Buying branded clothing and shoes does not guarantee a better quality product, and spending your hard-earned money to prove to others that you can afford to buy branded clothing is counter-intuitive. If you’re wearing branded clothing but haven’t started saving,
