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	<title>iTK Newsletters &#187; Wealth</title>
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	<description>... be in the Know</description>
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		<item>
		<title>Every Little Bit of Savings Adds Up</title>
		<link>http://www.newsletter.mymole.co.za/1141/every-little-bit-of-savings-adds-up</link>
		<comments>http://www.newsletter.mymole.co.za/1141/every-little-bit-of-savings-adds-up#comments</comments>
		<pubDate>Sun, 07 Feb 2010 11:21:27 +0000</pubDate>
		<dc:creator>Editor</dc:creator>
				<category><![CDATA[Wealth]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[home]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[savings]]></category>

		<guid isPermaLink="false">http://www.newsletter.mymole.co.za/?p=1141</guid>
		<description><![CDATA[Living on a budget is the key to financial freedom, but getting started can be frustrating. When we look at our expenses and see all of those bills we're paying every month, it's easy to throw our hands up in disgust. But what about all those little expenses we incur? You might be surprised to find out just how much they amount to]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>How to Create a Family Budget</title>
		<link>http://www.newsletter.mymole.co.za/1137/how-to-create-a-family-budget</link>
		<comments>http://www.newsletter.mymole.co.za/1137/how-to-create-a-family-budget#comments</comments>
		<pubDate>Sat, 30 Jan 2010 11:03:21 +0000</pubDate>
		<dc:creator>Editor</dc:creator>
				<category><![CDATA[Wealth]]></category>
		<category><![CDATA[Add new tag]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[Family]]></category>
		<category><![CDATA[Income]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[Personal Finance]]></category>

		<guid isPermaLink="false">http://www.newsletter.mymole.co.za/?p=1137</guid>
		<description><![CDATA[Making a family budget may be tricky, but it can be done. Here's how.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>OTHER ADVANTAGES OF UTILISING YOUR HOMELOAN AS A SAVINGS ACCOUNT</title>
		<link>http://www.newsletter.mymole.co.za/1081/other-advantages-of-utilising-your-homeloan-as-a-savings-account</link>
		<comments>http://www.newsletter.mymole.co.za/1081/other-advantages-of-utilising-your-homeloan-as-a-savings-account#comments</comments>
		<pubDate>Sun, 08 Nov 2009 14:47:39 +0000</pubDate>
		<dc:creator>Editor</dc:creator>
				<category><![CDATA[Homeloan Series]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Credit card]]></category>
		<category><![CDATA[Financial services]]></category>
		<category><![CDATA[home]]></category>
		<category><![CDATA[Interest rate]]></category>
		<category><![CDATA[Personal Finance]]></category>

		<guid isPermaLink="false">http://www.newsletter.mymole.co.za/?p=1081</guid>
		<description><![CDATA[You will have seen from the examples above that you can save thousands of Rands and settle your bond years earlier by applying all or some or these methods. The maximum benefit will be gained by applying as many methods as possible in combination, making the additional payments into the bond as large as possible, and leaving the money in the bond for as long as possible.]]></description>
		<wfw:commentRss>http://www.newsletter.mymole.co.za/1081/other-advantages-of-utilising-your-homeloan-as-a-savings-account/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>PAY YOUR INSTALMENT AS SOON AS POSSIBLE, PAY IN ADVANCE, AND NOT ARREARS</title>
		<link>http://www.newsletter.mymole.co.za/1061/pay-your-instalment-as-soon-as-possible-pay-in-advance-and-not-arrears</link>
		<comments>http://www.newsletter.mymole.co.za/1061/pay-your-instalment-as-soon-as-possible-pay-in-advance-and-not-arrears#comments</comments>
		<pubDate>Sun, 01 Nov 2009 19:39:02 +0000</pubDate>
		<dc:creator>Editor</dc:creator>
				<category><![CDATA[Homeloan Series]]></category>
		<category><![CDATA[Bank]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Financial services]]></category>
		<category><![CDATA[house]]></category>
		<category><![CDATA[Loan]]></category>
		<category><![CDATA[Property]]></category>

		<guid isPermaLink="false">http://www.newsletter.mymole.co.za/?p=1061</guid>
		<description><![CDATA[If you change jobs and your payday changes, ensure that you notify the bank immediately. Paying just 2 day earlier could knock as 2 months of your loan term.]]></description>
		<wfw:commentRss>http://www.newsletter.mymole.co.za/1061/pay-your-instalment-as-soon-as-possible-pay-in-advance-and-not-arrears/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>BUY WELL WITHIN YOUR MEANS</title>
		<link>http://www.newsletter.mymole.co.za/1044/buy-well-within-your-means</link>
		<comments>http://www.newsletter.mymole.co.za/1044/buy-well-within-your-means#comments</comments>
		<pubDate>Sat, 10 Oct 2009 15:32:20 +0000</pubDate>
		<dc:creator>Editor</dc:creator>
				<category><![CDATA[Homeloan Series]]></category>
		<category><![CDATA[Bank]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[Interest rate]]></category>
		<category><![CDATA[Money]]></category>

		<guid isPermaLink="false">http://www.newsletter.mymole.co.za/?p=1044</guid>
		<description><![CDATA[A lot of people make the mistake of buying a house very close to the maximum for which they qualify. If you require 100% finance because you have no cash for a deposit, and you need the bank to add the legal fees and transfer duties to your bond]]></description>
		<wfw:commentRss>http://www.newsletter.mymole.co.za/1044/buy-well-within-your-means/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>DO NOT ALLOW THE BANK TO ADD ON COSTS</title>
		<link>http://www.newsletter.mymole.co.za/1016/do-not-allow-the-bank-to-add-on-costs</link>
		<comments>http://www.newsletter.mymole.co.za/1016/do-not-allow-the-bank-to-add-on-costs#comments</comments>
		<pubDate>Sun, 04 Oct 2009 12:04:47 +0000</pubDate>
		<dc:creator>Editor</dc:creator>
				<category><![CDATA[Homeloan Series]]></category>
		<category><![CDATA[Bank]]></category>
		<category><![CDATA[Bond]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Business and Economy]]></category>
		<category><![CDATA[Financial services]]></category>
		<category><![CDATA[Home insurance]]></category>
		<category><![CDATA[Insurance]]></category>

		<guid isPermaLink="false">http://www.newsletter.mymole.co.za/?p=1016</guid>
		<description><![CDATA[Today’s competition between banks for bond business is very strong. This results in them making various offers to their customers in order to make buying a home easier. This includes adding a variety of costs onto the bond account]]></description>
		<wfw:commentRss>http://www.newsletter.mymole.co.za/1016/do-not-allow-the-bank-to-add-on-costs/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>TAKE  A MAXIMUM TRAVEL ALLOWANCE</title>
		<link>http://www.newsletter.mymole.co.za/981/take-a-maximum-travel-allowance</link>
		<comments>http://www.newsletter.mymole.co.za/981/take-a-maximum-travel-allowance#comments</comments>
		<pubDate>Sat, 26 Sep 2009 17:24:26 +0000</pubDate>
		<dc:creator>Editor</dc:creator>
				<category><![CDATA[Homeloan Series]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[homeloan]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Tax]]></category>
		<category><![CDATA[Tax return]]></category>

		<guid isPermaLink="false">http://www.newsletter.mymole.co.za/?p=981</guid>
		<description><![CDATA[This piece of information is closely related to the section on not taking a 13th cheque from your employer. When structuring your remuneration package, you may be entitled to receive a portion of your earnings in the form of a travel, or car allowance. This has certain tax benefits, as long as you are able ...]]></description>
		<wfw:commentRss>http://www.newsletter.mymole.co.za/981/take-a-maximum-travel-allowance/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>DO NOT REDUCE PAYMENTS WHEN INTEREST RATES DECREASE</title>
		<link>http://www.newsletter.mymole.co.za/952/do-not-reduce-payments-when-interest-rates-decrease</link>
		<comments>http://www.newsletter.mymole.co.za/952/do-not-reduce-payments-when-interest-rates-decrease#comments</comments>
		<pubDate>Sun, 20 Sep 2009 16:04:55 +0000</pubDate>
		<dc:creator>Editor</dc:creator>
				<category><![CDATA[Homeloan Series]]></category>
		<category><![CDATA[Bank]]></category>
		<category><![CDATA[Bond]]></category>
		<category><![CDATA[Financial services]]></category>
		<category><![CDATA[homeloan]]></category>
		<category><![CDATA[Interest rate]]></category>
		<category><![CDATA[Mortgage]]></category>

		<guid isPermaLink="false">http://www.newsletter.mymole.co.za/?p=952</guid>
		<description><![CDATA[In South Africa, interest rates are often subject to wide fluctuations with little warning. When rates decrease, the banks generally reduce your monthly instalment accordingly, and place the onus on you to contact them if you do not want this change to be made.]]></description>
		<wfw:commentRss>http://www.newsletter.mymole.co.za/952/do-not-reduce-payments-when-interest-rates-decrease/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>DO NOT TAKE A 13TH CHEQUE</title>
		<link>http://www.newsletter.mymole.co.za/942/do-not-take-a-13th-cheque</link>
		<comments>http://www.newsletter.mymole.co.za/942/do-not-take-a-13th-cheque#comments</comments>
		<pubDate>Sun, 20 Sep 2009 15:28:31 +0000</pubDate>
		<dc:creator>Editor</dc:creator>
				<category><![CDATA[Homeloan Series]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[home loan]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Savings account]]></category>

		<guid isPermaLink="false">http://www.newsletter.mymole.co.za/?p=942</guid>
		<description><![CDATA[A popular practice amongst companies today is to allow staff to decide whether or not they would like a 13th cheque at the end of the year. The staff member can elect to receive his or her annual salary in 12 monthly payments, or reduce the amount paid each month in order to build up a reserve which is paid out as a bonus, or 13th cheque.]]></description>
		<wfw:commentRss>http://www.newsletter.mymole.co.za/942/do-not-take-a-13th-cheque/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>USE YOUR “DORMANT” MONTHLY FUNDS</title>
		<link>http://www.newsletter.mymole.co.za/889/use-your-%e2%80%9cdormant%e2%80%9d-monthly-funds</link>
		<comments>http://www.newsletter.mymole.co.za/889/use-your-%e2%80%9cdormant%e2%80%9d-monthly-funds#comments</comments>
		<pubDate>Sun, 06 Sep 2009 17:26:45 +0000</pubDate>
		<dc:creator>Editor</dc:creator>
				<category><![CDATA[Homeloan Series]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Credit card]]></category>
		<category><![CDATA[Debits and credits]]></category>
		<category><![CDATA[Financial services]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Merchant Services]]></category>
		<category><![CDATA[Payment]]></category>

		<guid isPermaLink="false">http://www.newsletter.mymole.co.za/?p=889</guid>
		<description><![CDATA[These examples show how much you can benefit simply by placing funds which you only need at a later date, into your bond account. Even if you can only leave the money in the bond for a few days at a time, there are still significant benefits to be gained.]]></description>
		<wfw:commentRss>http://www.newsletter.mymole.co.za/889/use-your-%e2%80%9cdormant%e2%80%9d-monthly-funds/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
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