Gifting can be pricy and it’s always good to find some good ideas for gifts under R250. Or even gifts under R100. You can give something thoughtful without breaking the bank!
Whether you’re looking for gifts for Christmas or ideas for birthday gifts, you can find it all online! If it is for Christmas that you’re thinking, have a look at these tips on how to avoid debt this Debtcember.
So here are some gifts that I wouldn’t mind getting. These links are all from Loot but you can obviously find the items anywhere. (And prices are as at time of writing – I have no control over external sites)
Gifts under R50
A good old fashioned notebook to keep track of thoughts, spending, goals, plans, etc. I love writing things down! This is especially good for creating a simple budget or setting your goals for the new year.
Gifts under R150
How to get a SARS refund. Now who wouldn’t want that?
Increase your chances of getting a refund from SARS!
If you derive your income from salaried employment and wish to utilise the tax laws in South Africa to minimise your tax liability and maximise your refund from the South African Revenue Services (SARS) upon filing your annual tax return, this book is for you. How To Get A SARS Refund will help you understand why you are taxed the amount that you are, and will assist you in reducing your tax liability. It will also help you to navigate your way through the annual income return (ITR12) for individuals as you complete your return via eFiling.
Topics covered include the basics of understanding individual tax, deductions from taxable income and medical tax credits. The guide also deals with the following types of taxes a salaried taxpayer may become liable for:
- Dividends tax;
- Tax on interest earned;
- Capital gains tax; and
- Provisional tax.
With plenty of informative, practical examples, How To Get A SARS Refund sets out in a simple, effective way how to get the most bang for your buck from the taxman.
Gifts under R200
You’re Not Broke, You’re Pre-Rich – Ditch Debt, Stop Living From Payday To Payday And Manage Black Tax To #LiveYourBestLife – Mapalo Makhu
“I wrote this book because I believe the road to financial freedom is a journey everyone can embark on. I wrote this book with you in mind. You, who perhaps have never been taught anything about how money works. You, who have been too intimidated to pick up and read a book about personal finance because you were too scared of the jargon. And you, who want to #getyourmoneyright. I had you in mind when I wrote this book.” – Mapalo Makhu
If you are a millennial who is trying to figure out how money works, this book is for you. With simple, relatable and sometimes amusing stories about how to manage money on a day-to-day basis, you will learn how to change your mindset about money, get out of debt and stay debt-free, invest your money and, ultimately, live your best life.
You’re Not Broke, You’re Pre-Rich will help you, the young professional, to think differently about money, while covering pertinent topics like black tax, savings, budgeting, emergency funds and financial scams, as well as estate and retirement planning (and why you should care right now!). It is the best class you never attended… in a book!
Manage your money like a f*cking grownup – a book by Sam Beckbessinger
This is a local book which I really need to get my hands on! I’ve heard so much about it from friends, radio interviews, blogs, etc. The tagline says it all. The best money advice you ever got.
In this clear and engaging basic guide to managing your finances, Sam Beckbessinger covers topics from compound interest and inflation to “Your brain on money”, negotiating a raise, and particularly local South African phenomena like “black tax”.
The book includes exercises and “how-to’s”, doesn’t shy away from the psychology of money, and is empowering, humorous and helpful.
The book you wish you’d had at 25, but is never too late to read.
Gifts under R250
My Money – a book by Gerald Mwandiambira
Also haven’t read this one yet but it looks interesting from what I’ve seen. A financial planning guide for ordinary people sounds exactly like what we all need!
Money is a tool that we can all master. You choose to either be a ‘Money Slave’ or a ‘Money Master’. My Money is a practical, easy to read, personal finance book – a guide that will help many South Africans begin to create wealth and not fear the subject of personal financial planning.
A treasure trove of useful advice and tips, this book is essential reading to gain a basic understanding of money mechanics. A guide to help you find your confidence, and see money as it really is – a tool that anyone can use. With a chapter dedicated to almost every financial situation we face in our lives, My Money will become your go-to book that will help you unlock your financial potential and gain control of your financial affairs.
You, too, have the potential to become a ‘Money Master’.
More gifts under R250
I’ll expand on the list of gifts under R250 as there are really some great South African finance books out there that really aren’t that expensive. A small investment in oneself can have great future effects!