Effectively managing your debt is one of the best and most proactive ways of ensuring a sustainable financial future. It is deeply gratifying knowing that you’re doing something right when you see your debt shrinking! The journey of exploring the best ways to manage your debt can improve your attitude and enthusiasm towards settling it. […]

Saving is not just about a plan – it’s a behaviour. Part of this behaviour is rooted in our mental ability to overcome our own fears. We reduce these fears by mentally preparing for life goals and recognising that we have what it takes to achieve them. Mentally preparing for long term savings is like […]

As the days draw shorter, the sun stays hidden for longer and the colder weather encourages us to hibernate away, coupled with constrained financial conditions, we can be forgiven for falling into the trap of thinking smaller, trying to save both money and energy. When it comes to cooking for the family – here’s a […]

Whilst we may try our best to keep our bodies safe from the flu – we may overlook the sluggish money myalgia that can hit us around this time too! You might have financial flu… Every winter our communities are hit by different strains of coronavirus (root of the common cold and flu). COVID-19 is […]

Many of us only look at our financial plan when we receive a windfall (this is not often…) or when things go terribly wrong. It could be the loss of a job, the loss of a loved one or another crisis (like a global lockdown…). These aren’t necessarily the best times to make investment decisions […]

Sometimes it feels like this conversation is a broken record, constantly going round and around on the same track: people the world over are feeling the financial pinch and tightening belts. It’s not just a local issue, and it’s not a new concern. A few minutes on Instagram or Twitter will reveal just how many […]

As the 2020 global pandemic for COVID-19 becomes forever etched in our history, most of us will remember how the term ‘lockdown’ moved from a novelty to a serious psychological threat. At the point of writing this blog, it’s not clear just how vast and integrated the knock-on effect of lockdown will be, but for […]

As Nelson Mandela said, once we’ve climbed a great hill we only find that there are many more hills to climb. When you’re looking up or down the hill, it’s easy to have a skewed vision of what’s really going on. We spend more time going up and down than resting at the top; it’s […]

Do you know what’s going to happen in the markets tomorrow? Neither do we! All we know is that the markets are an opportunity to invest our money in helping the economy grow, and watching our money grow with it. That’s a really simplistic view, but it helps us extract our emotional reactions from the […]

Bad market performance, government lockdowns, global epidemics and loadshedding aren’t what threaten our investing and financial behaviour. Our biggest threat is ourselves. Studies have shown that people improve substantially in financial and investment decisions as they get older. When we are young — and perhaps less secure in our financial situation — we have a […]