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Here is a Guide on How to Manage Your Money

Staying on top of your finances this year is a good idea

• Ensure that you are insured; this not only applies to house, house contents and your car, but to your life as well.• Life insurance is there to ensure that your nearest and dearest are taken care of when you are no longer there to do so.• Disability cover is designed to take care of your dependents if you become too ill to work or if you become disabled in any way and you are no longer able to take care of them. … Continue Reading

What The Consumer Can Expect in 2012

The World Is Presently A Place of Uncertainly

The world and Europe is a place of uncertainty according to Ulrich Joubert, economist. America needs Europe to get its finances in order, and China claims that the uncertainty in Europe is stunting its growth.Greece has a debt of 160 % of its gross domestic product, and there will be negative consequences as a result.There are even bigger problems in the Italian and Spanish economies, making the world and economists nervous.It is up to the European leaders to make an effort to spare the global economy from … Continue Reading

Managing Your Money in 2012

If you found that you were at a loss regarding your finances and money in the past year, it is not too late to correct this. Make this the year of getting your finances in order, with a couple of easy steps.

• Filing is always of paramount importance. Have all your important documentation at your finger-tips at all time. These include birth certificates, tax information, marriage certificates, passport and license information, and any other essential documentation that you might need.• It might be a good idea to make copies of all your important documentation, and keep them in … Continue Reading

Comparisons of Bank Charges

This Is The Year To Get Financially Fit

There is no time quite like the present to get your life in order, and the beginning of each year heralds new beginnings and a brand new attitude towards one’s life and finances. With all the happenings in the world around us regarding the recent credit woes, it might be a good opportunity to rethink and revisit your finances.

Starting out by comparing bank charges and finding the one that charges the least is a good step in the right direction. Compare insurance quotes … Continue Reading

For anyone now looking to pay more attention to their day to day money management (and that includes most of us in the current financial climate) there are all kinds of very powerful money management applications available via the swipe of a finger on your smartphone. As usual the best apps are on the iPhone and this article will look at seven of the best apps for managing your money on your phone:

Expensify: This is an excellent free app that allows you to take a photograph of each and every business receipt you get during the day and then it … Continue Reading

The demand for credit is making a recovery in the light of improvement in the economic sector with a combination of low interest rates and low inflation. The recovery is slower than anticipated but at least there is a demand once again.In 2010, credit demand from SA’s private lending sector grew by only 2% but is steadily rising.Economists reckon that December’s data shows that the demand for credit is still driven by private households. Business has not increased their demand for debt as yet,  according to economist Kgotso Radira from Investec. It is believed that businesses are waiting for the … Continue Reading

You are clever and need to further your studies; the only obstacle standing between you and a college or university degree is a lack of funds.For a tertiary education, this could cost anywhere in the region of R12 to R30 000 per annum; not too many individuals have that type of ready cash in their bank accounts. The best option would be is to shop around a little and make comparisons to see which banks offer the best interest rates when you take out a student loan.Make and appointment with the financial aid office at the university of your choice, … Continue Reading

Over the past few years a rising number of parents, teachers, and figures of authority have realized the importance of teaching kids about money from a relatively early age. Of course, this doesn’t mean that you should be ditching all the picture books and fairy tales and replacing them with news cuttings about the best mortgage rates on the market! There are some fun ways to help kids learn about the importance of money, and whilst they will probably not realize that they are doing anything more than having fun at the time, the things that they can pick up from you are things that will carry into the future as they grow older.

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When you require that much needed financial boost in order to get over a financial hiccup, then a personal loan will tide you over.The most obvious place to get a loan is usually a bank, although banks are tightening their belts after the recent credit crisis. Therefore many are simply going to private lenders for loans.What differentiates a personal loan from other loans, you many well ask yourself. Personal loans are usually unsecured and are available to people in their own personal capacity. A maximum amount of up to R50 000 can be borrow and can be repaid from 12 … Continue Reading

Starting up your own businessTo get your business on a solid footing right from the outset is to find a strong team of professionals that can assist and show you the ropes. Professionals are able to use their expertise while you focus all your energy to the task on hand. The size or nature of the business is neither here nor there, but a strong and intelligent business plan is important to have in place right from the outset.If you are tired of working for an ungrateful boss, and no longer have the desire to be at the … Continue Reading