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Author - Carla Oberholzer

Wikus Olivier - Expert Opinion & Insights - Relationship with Money (Youth Month)

Something to Chew On: Your Relationship with Money…

Youth Month What feelings or emotions do you experience when you think about money? Does money evoke a sense of security, freedom, or perhaps anxiety and stress? It sure holds immense power in our lives, impacting our choices, decisions, and even our sense of self-worth. Understanding our relationship with money is essential for achieving financial well-being and cultivating a healthy mindset towards money and wealth. One significant factor influencing our perception of money is how our parents saw and handled it. [...]


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Debt Review: “Rather Pass” or “Perfect Fit”

Debt Review: “Rather Pass” or “Perfect Fit”

Debt Review may not be the “perfect fit” for everyone but can be THE solution for a person requiring financial relief or asset protection.


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The lower your Debt-To-Income (DTI) Ratio/Percentage (debt payments versus gross income) reflects, the better your financial position.

Debt-To-Income Ratio: The Lower the Better

A Debt-To-Income (DTI) Ratio is the financial metric that compares your monthly debt payments to your income amount before deductions. The lower your percentage reflects, the better your financial position.


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By adjusting your budget accordingly and implementing the required steadfast discipline along your financial way, you can ensure yourself money mastery success even when having to deal with some changes and disruptions during your journey.

Budget & Discipline Your Way to Money Mastery

By adjusting your budget accordingly and implementing the required steadfast discipline along your financial way, you can ensure yourself money mastery success even when having to deal with some changes and disruptions during your journey.


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Savvy Money Moves 2024

Savvy Money Moves for 2024

The new year is a great opportunity to start fresh in life as well as getting your financial house in order. Making smart, savvy money moves (and decisions) early in your financial timeline is an important step to start ticking off your financial goals as well as achieving future financial success. “Have you been feeling a bit lost, disconnected, or unorganised concerning your financials lately? Then, embrace the opportunity to kickstart 2024 as your best ‘financial year’ yet by implementing [...]


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5 Frugal Christmas Tips to Help Ensure Yourself a Janu-NO-Worry

The festive season is here, and you might feel the pressure to splurge on jolly goodies and once-in-a-lifetime deals. However, it’s time to embrace a money-mindful approach by saying ‘NO’ to festive FOMO and ‘YES’ to invaluable experiences so that you pave the way for a worry-free January. In this pursuit of a more mindful and financially sound holiday season, here are five frugal Christmas tips to help ensure yourself a Janu-NO-Worry: Christmas Budget: Know your current money position and [...]


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Five (5) Money-Mindful Tips for a Financially Responsible Black November

Don’t set yourself up for an indebted 2024 by overspending and overstretching your pocket this shopping season. You can be financially mindful this #BlackNovember by avoiding impulse spending and being fully aware of your financial position – focusing your attention on your budget and ‘real needs’ instead of those unnecessary ‘wants’…


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Credit Cards Unveiled: The ‘Basics’, The ‘Good’ & The ‘Be Careful’

Credit Cards Unveiled: The ‘Basics’, The ‘Good’ & The ‘Be Careful’

CreditSmart’s Deep Information Dive “Sixty-one percent (61%) of our 2023 ‘Financial Savvy’ survey respondents said they use their credit cards every month and lay awake stressed about their financial situations. A lower, 39%, confirmed they do not have a credit card and are not overly stressed about their finances. Is it a coincidence? I would say it’s about how you handle these little plastic cards that can either help or hurt your pocket and up or lower your stress levels,” [...]


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Why Grocery Prices Keep Affecting South African Consumers’ Pockets

Why Grocery Prices Keep Affecting South African Consumers’ Pockets

“Picture this: you walk into the grocery store, expecting to find some relief from rising grocery prices since inflation is purportedly decreasing, only to be met with the same or even higher price tags. It’s frustrating and bewildering, leaving you questioning why prices seem stuck in an upward spiral. And it is not easy considering your salary increase (if at all) compared to inflation – it is difficult to keep up with incessant costs. I’d like to share some [...]


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