Tag Archive

Are You a Compulsive Debtor?

February 15, 2011 No Comments

Author: Brian Higdon If you’re in the middle of a financial crisis, and particularly if you always seem to be in the middle of a financial crisis, you may need to ask yourself, “Am I a compulsive spender, or am I just having problems with debt right now?” // < ![CDATA[ google_ad_client = "pub-1317599952959347"; /* ...

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BUY WELL WITHIN YOUR MEANS

October 10, 2009 No Comments

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

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Organize your Finances and Save Your Money

June 13, 2009 No Comments

You carefully plan how to spend your money. But you may have never organized a plan on how to best save your hard-earned money. Shopping the sales, cut corners, conserve energy, and clip coupons are all positive steps in the right direction, but with some careful planning and organized thought, you can make your dollar stretch even further.

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Surviving the small business journey

May 31, 2009 No Comments

Image via Wikipedia Why SMMEs fail By Charles Pittaway, CEO of Netcash Successfully steering a new business through its first five years is not a challenge for the faint-hearted. Charles Pittaway, who founded Netcash in 2001 to provide payment services to other small and medium business owners, shares some of the lessons of his entrepreneurial ...

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Should I Discuss Finances Before Marriage?

May 29, 2009 No Comments

So you plan on getting married soon, and there’s just something that you’ve had on your mind, but you just don’t know what you should do or how you should say it. That would be the questions you have concerning your future spouse’s finances. You really need to know something about their finances before you ...

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OTHER ADVANTAGES OF UTILISING YOUR HOMELOAN AS A SAVINGS ACCOUNT

You will have seen from the examples above that you can save thousands of Rands and settle your bond...

PAY YOUR INSTALMENT AS SOON AS POSSIBLE, PAY IN ADVANCE, AND NOT ARREARS

If you change jobs and your payday changes, ensure that you notify the bank immediately. Paying just 2 day...

BUY WELL WITHIN YOUR MEANS

A lot of people make the mistake of buying a house very close to the maximum for which they...

DO NOT ALLOW THE BANK TO ADD ON COSTS

Today’s competition between banks for bond business is very strong. This results in them making various offers to their...

TAKE A MAXIMUM TRAVEL ALLOWANCE

This piece of information is closely related to the section on not taking a 13th cheque from your employer....

DO NOT REDUCE PAYMENTS WHEN INTEREST RATES DECREASE

In South Africa, interest rates are often subject to wide fluctuations with little warning. When rates decrease, the banks...

DO NOT TAKE A 13TH CHEQUE

A popular practice amongst companies today is to allow staff to decide whether or not they would like a...

USE YOUR “DORMANT” MONTHLY FUNDS

These examples show how much you can benefit simply by placing funds which you only need at a later...

Home Loan Series Vol 2

The problem, as discussed in the previous article, is the capitalisation of interest, over and over again EVERY MONTH...

Homeloan Series Vol 1

The purpose of this series of articles is to provide bondholders in South Africa with practical and simple methods...