Personal finance: sustainable budgeting tips to stretch your money in 2025
Consumers should spend cautiously, despite the positive outlook for the year
Budgeting
SA footballers still haunted by black tax and lavish living
Professional footballers, who have to retire young, need different investment vehicles
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Can we live without debt?
Can we live without debt? The question needs to be reversed. We need to be asking why we believe we need debt in order to live.
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Getting out of debt one step at a time
Website worth following www.brokemf.com
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Buying too much of what we don’t need
All the useless stuff our kids spend their money on is really where it all starts.
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Fighting the irrational debt instinct
Why does it feel easier to take on debt than to draw down on savings?
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Yes, you can be debt-free and save
<i>Eunice Sibiya</i>, head of FNB’s consumer education programme, explains how you can plan your way out of debt.
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How our credit cards have destroyed our achievements
By making everything more accessible and immediate, have credit cards removed our sense of achievement in acquiring those experiences or goods?
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Teach kids value of money
Saving and budgeting should be learned from an early age, writes <b>Sameerah Karolia</b>.
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Be a finance minister at home
Tendani Mantshimuli, consumer economist at Liberty Retail SA, says running your household on limited funds is not unlike managing a country’s budget.
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Be ready for monthly debit orders
What happens if you don’t have enough money in your account to meet a debit order?
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In desperate need of retail therapy
The willpower is wilting; it’s hard living on a budget.
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Organised finance makes money
Short of cash? I just sorted out my admin and made R570.
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Blue Monday
If your Monday was feeling a bit bluer than normal, there could be a good reason for it. Financially it may have been your toughest day.
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Four goals to set this year
New Year’s resolutions may seem passé, but when it comes to money, they might just be well worth making.
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Christmas shopping this weekend? Read this
Don’t blow the budget just because it’s Christmas. Here are some tips to help you shop smartly.
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A festive-season survival plan
How to get through the next two weeks without losing sight of your financial goals.
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Lottery for losers
The chances of winning the lotto are 0.0000072%. By not playing and rather investing you would be R804 000 better off over a lifetime.
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Does it cost more to eat healthily?
If you’d like to cut down on calories this season, try to make smart choices when it comes to ingredients and cost.
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Fifteen ways to avoid Christmas debt
Some of us go overboard with spending at this time of year — and it could have dire consequences.
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Why clear, written goals work
Financial coach Linda Smith explains why goal-setting is critical — whether you’re saving, dreaming big or just planning your next step.
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What would you spend on a wedding?
Would you pay three months’ salary or tell your kids to take out a loan?
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The value of ‘stuff’
Our "stuff" is worth a fraction of what we pay for it so why do we buy it on credit — or even buy it at all?
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How to use the rate cut
How you could have paid off your home in eight years by taking advantage of rate cuts.
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Write down your goals and dreams
How just writing down what you want from life can make it happen.
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Accountability is a big part of financial planning
Taking a long, hard look at what your money means to you.
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Get money smart
Ten tips on saving and spending.
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Manage your money online
Some free personal finance tools you can use to help manage your money.
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How a R200 000 car could cost you R400 000
Opting for the more expensive car could cost you a deposit on your first home.
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Learning the hard way
Despite the interest rate cuts many are finding it hard to make ends meet. At least seven million people have fallen behind in repaying their debt.