Practical Habits for Building Long-Term Wealth
Many people associate wealth with high earnings, successful investments, or owning valuable assets. While these deliver a significant advantage, wealth is usually built much earlier in simpler ways by carefully managing income before it is spent. A person can earn well and remain financially vulnerable if expenses rise too quickly, debt is poorly managed, or […]
Retirement Readiness Depends on More Than Just Having a Plan
While South Africans are becoming more actively involved in retirement planning, the findings of the 2026 FNB Retirement Insights Survey show that having a plan in place does not necessarily translate into retirement readiness. Now in its fourth year, the survey tracks how South Africans think about, prepare for, and experience retirement. This year’s responses […]
Short-Term Lets for Long-Term Gains
Every December, South Africa’s coastal property markets come alive as holidaymakers search for short-term letting in key locations – Cape Town, the KZN North Coast, and the Garden Route among them. While this is a massive financial boost for homeowners, the impact goes beyond this annual ‘gold rush’, with property valuations boosted by this growing […]
Buy or Rent in South Africa 2026: Make the Right Choice for Your Future
One of the most important financial decisions in life is whether you should buy or rent property. With interest rates finally easing and the property market showing signs of recovery, the timing has never been more critical. Let’s break down everything you need to know to make the best choice for your situation. The Case […]
Entrepreneurs: Prepare for Risk, Not Just Growth
Many small and medium enterprises (SMEs) are walking a financial tightrope. For business owners already balancing rising costs, late payments, and economic uncertainty, a single unexpected shock can be the difference between keeping the doors open and closing them for good. SMEs account for 91% of formal businesses, employ around 60% of the workforce, and […]
How to Prepare for an External Audit
Getting ready for an external audit is an essential process for any business aiming to uphold compliance, ensure transparency, and strengthen its governance practices. External audits are essential for ensuring the accuracy of financial statements and verifying that a company is adhering to required accounting standards. Here’s a comprehensive guide to help you prepare for […]
Building Financial Resilience in Challenging Times
The Consumer Financial Vulnerability Index Q2 2023(CFVI) report published by Momentum and Unisa1 highlights that South Africans have been grappling with financial vulnerability for an extended period, with various economic factors contributing to this predicament. Financial struggles amidst rising costs As South Africa grapples with the aftermath of the COVID-19 pandemic and a challenging economic […]
Navigating the Second-Hand Car Market
The second-hand car market in South Africa is a thriving and dynamic segment of the automotive industry. According to the 2023 AutoTrader Mid-Year Car Industry Report, in the first six months of 2023 alone, over 263 million vehicle searches were conducted on AutoTrader, indicating a robust interest in used cars. The leading brand is Toyota, […]
Maximising Wealth, Minimising Tax
A comparative look at retirement annuities versus tax-free savings accounts. When it comes to personal finance, every individual has different needs, dreams and financial goals, as well as different pathways to achieving those objectives. One of the most common long-term ambitions shared by many South Africans is to retire comfortably—to live confidently, knowing that there […]
Smart budgeting tips to make the most of your income
Have you ever found yourself puzzled by your bank statement, wondering where all your money went? Those daily coffees and occasional treats can add up faster than you think. The good news is that you can regain control of your finances and start living within your means. It’s not just about creating a budget; it’s […]