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Take charge of your money

Take charge of your money

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Category: Smart Choices

Make better money choices and start thinking about consequences of your actions. We’re faced with money decisions each and every day so best to have a few tricks up your sleeve to help you manage your money better and make smart choices.

Things in the finance world are not necessary binary. It’s often not a choice between an exact right and an exact wrong. Things can work either way and it’s interesting to try to think about circumstances and how one choice could be better than another.

These are my posts on how to make smart choices. How to think about situations differently and try your best to make a better money decision.

Buying a new car

Buying a new car

by Brendan14 January 20227 September 2022Leave a comment

I'm looking at buying a new car sometime in the next year or two as mine is over 10 years old and not as comfortable as I'd like. In fact, my partner and I have started doing more road trips…

Read More Buying a new car

Smart Choices car, interest, loan, save
Business bank accounts

Business bank accounts

by Brendan30 October 202114 February 20223 Comments

If you're read my post on how to run a side hustle you'd probably remember that I speak about opening a separate bank account for your business. This is quite easy and affordable if you're operating as a sole proprietor…

Read More Business bank accounts

Save Money, Smart Choices bank, side hustle
Capitec Account Types

Capitec account types

by Brendan27 August 20219 November 2022Leave a comment

This post is all about Capitec account types. What's on offer and how they work. This is NOT sponsored in any way and there is no hidden agenda here. lol. It's just that I am a Capitec client myself so…

Read More Capitec account types

Save Money, Smart Choices bank, credit card, home loan
How to run a side hustle

How to run a side hustle

by Brendan3 July 202124 November 20224 Comments

Times are tough and running a side hustle in South Africa is the new "in thing". Everyone is talking about it and many people are trying it. From online gigs, blogs, selling items, etc. Take a look at the advantages…

Read More How to run a side hustle

Smart Choices blogging, income, side hustle
How to start an online store

How to start an online store

by Brendan16 April 20213 May 20211 Comment

Here's how to start an online store based on my recent experience while setting up this one on Take Charge of Your Money blog. The post is a good follow on from my article on how to start blogging in…

Read More How to start an online store

Smart Choices blogging
How to pay less tax in South Africa

How to pay less tax in South Africa

by Brendan31 January 202117 August 20212 Comments

It can be depressing when looking at the amount of tax we pay each month. More so when you consider that any extra money you make, through hard work and dedication, will also be taxed. You're not alone when wondering…

Read More How to pay less tax in South Africa

Smart Choices emergency fund, save, tax
What s a balloon payment?

What is a balloon payment

by Brendan7 June 202014 January 20223 Comments

Buying a new car is always exciting, but it sure comes at a high cost! Sometimes more than what we can afford. It's easy to become emotionally attached to the car and do whatever it takes to be able to…

Read More What is a balloon payment

Financial Freedom, Smart Choices balloon payment, car, loan
Gap cover

How to choose the best gap cover

by Brendan22 March 20206 October 2020Leave a comment

So how do you choose the best gap cover? It really depends on your own circumstances but there are some key elements to consider.

Insurance, Smart Choices Gap Cover, health, medical expenses
Life insurance, income protection and other insurance

Do you need Critical Illness cover?

by Brendan15 March 202020 March 2020Leave a comment

Critical illness cover is an insurance policy that pays out if you are diagnosed with one of the specific illnesses or conditions on a predetermined list.

Insurance, Smart Choices critical illness, life cover
Life insurance, income protection and other insurance

Income protection

by Brendan11 March 202020 March 2020Leave a comment

You’re more likely to be temporarily out of a salary due to chronic illness or the recovery from a medical procedure. Hence the need for income protection.

Insurance, Smart Choices income protection
Life insurance, income protection and other insurance

Life Insurance – Putting a value on YOU

by Brendan11 March 202012 April 2022Leave a comment

Your most valuable asset is likely YOU and your ability to provide an income for yourself and your dependents. See how important life insurance really is.

Financial Health, Insurance, Smart Choices life cover
Managing your parents finances

How to manage parents finances

by Brendan6 March 20208 March 2021Leave a comment

Managing your parents’ finances if they are incapacitated is a tricky subject. Power of attorney works up to a point after which it is no longer valid.

Financial Health, Smart Choices mental illness, parents

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Taking charge of your money has nothing to do with how much money you have, but rather how and where you spend it. Are you in charge or is you partner, spouse or habits in charge? Do you feel like money simply flows out of your account, or are you in control of what is spent, and where?

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