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Take charge of your money

Take charge of your money

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Tag: plan

Managing your finances without a plan is much like driving without a destination. You’ll never really know if you are there yet. In fact, you could be going in circles, or possibly drifting but you’ll never really know.

Making a financial plan is really not hat hard nor complicated. It just takes a but of focus and understanding your current situation and deciding where you want to get to. You can then break things down to small and achievable goals.

An important part of planning though is to understand that you can change your plans at any time. You need to constantly reassess your situation and decide if what you are doing is still the best path, and whether your ultimate plan is still relevant for your current circumstances.

What are blended annuities

What are Blended Annuities?

by Brendan16 July 202114 February 2022Leave a comment

Blended annuities – are they ‘just right’ for your retirement? A priority for South Africans approaching retirement should be to secure an income for life that at least covers essential monthly expenses (e.g. housing, food, water and electricity, transport, phone…

Read More What are Blended Annuities?

Investing plan, retirement
How to choose an annuity

How to choose an annuity

by Brendan15 June 202116 July 20211 Comment

Regulations require you to use at least two-thirds of your Retirement Fund to buy an annuity when you retire. An annuity is a product that provides you with a monthly retirement income or pension. The regulation applies to a Retirement…

Read More How to choose an annuity

Investing plan, retirement
Money management tips

Money management tips for 2021

by Brendan11 January 202120 September 2021Leave a comment

We've all had a somewhat challenging year and I thought to start the new year with some basic money management tips. Some may be things that you already do, and some hopefully are new to you, or they spark ideas…

Read More Money management tips for 2021

Financial Habits Budget, emergency fund, insurance, plan
Investment tips for beginners

Investment tips for beginners

by Brendan26 November 202026 November 20203 Comments

Avoiding the instant gratification trap is one of the most important investment tips for beginners. In fact, more than a tip, it's a "must-do" in order to get started. For most of us, investing tends to be an enticing idea,…

Read More Investment tips for beginners

Investing plan, tip
Knowledge is power

Knowledge is power

by Journey Man30 October 20202 November 2020Leave a comment

It’s Journey-Man here again, the late starter! What a strange week this has been. Last week, as a late-starter, I decided to start thinking deeply about my financial life. I want to find out what the outlook is, in terms of…

Read More Knowledge is power

Late Starter knowledge, plan, take charge
Deal with lockdown debt

Deal with lockdown debt

by Brendan13 September 20201 April 2021Leave a comment

Lockdown regulations have left many South Africans in financial despair. It's been tough. If you've got debt and feeling the pressure, you're definitely not alone! Let's explore how to deal with lockdown debt. Be kind to yourself Now is the…

Read More Deal with lockdown debt

Pay off debt Budget, plan, snowball
Why you need a Will

Why you need a Will

by Brendan28 July 202013 August 20201 Comment

Sponsored post It's not nice to think about death and no-one wants to start that conversation with a loved one. But why not? Surely you would want the best for your family after you die. Having the conversations, taking the…

Read More Why you need a Will

Financial Health estate planning, plan
Retirement planning

Retirement planning basics

by Brendan17 July 20204 September 2020Leave a comment

Sponsored by 10X Investments Retirement planning basics The idea of retirement may be scary, especially if you’re in your 40’s (or older) and haven’t given it too much thought up to now. Retirement means different things to different people though,…

Read More Retirement planning basics

Investing plan, retirement
Financial plan

Financial plan?

by Brendan13 June 202012 January 2023Leave a comment

A guest post from a 40-something year old who left his retirement planning for almost-too-late. He's now getting his financial plan in place. As I continue the "Late-Starter journey" I realise that my financial life has worked out exactly as planned.…

Read More Financial plan?

Financial Freedom Financially free, plan
Personal finance behavior

Personal finance behaviour

by Brendan13 June 20206 January 2022Leave a comment

Behavioural bias; you're only human You would be naïve to think that the daily financial decisions that you make are made in isolation from your emotional ones. We're only human and our personal finance behaviour is often as unpredictable as…

Read More Personal finance behaviour

Financial Habits behaviour, long-term, plan
How to manage your finances during a crisis

Tips to manage your finances during a crisis

by Brendan2 June 20204 June 20201 Comment

There's a lot happening now that is beyond our control and for which we could never really have planned for. It's a challenging time for many and everyone's circumstances are different. How you manage your finances during a crisis like…

Read More Tips to manage your finances during a crisis

Financial Habits crisis, emergency fund, plan
Retirement Plan in uncertain times

A Retirement Plan in uncertain times

by Brendan2 November 201827 January 20211 Comment

Have you ever set a financial goal which you didn't reach? You really aren't alone because we live in a world fill of uncertainty and constant change. It might be easy enough to set short term manageable goal, but how…

Read More A Retirement Plan in uncertain times

Financial Freedom agile, plan, retirement

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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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