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“How much should I be saving?” is one of the most common money questions. And while there is no perfect number for everyone, there are smart guidelines to help you get started.

Too many South Africans keep saying they’ll start saving “next month”, when they earn more, when life gets easier, or when expenses go down. But the truth is, there’s never a perfect time.

It’s never too early to plan for your future. Whether you're still in school or starting your first job, saving money is one of the smartest habits you can build.

Good money habits are not automatic, they are learned over time. If we want the next generation to make smart financial decisions, we need to start teaching them young.

Your ability to earn money is one of your biggest assets. But life can be unpredictable. Illness, injury, or retrenchment can quickly turn your finances upside down if you are not prepared.

Online shopping has made it easier to get what you need without leaving home, with everything from appliances to groceries. However, with this convenience comes the risk of online scams, that can impact your finances and peace of mind, which is not a great
way to spend the festive season.

Your credit score plays a big role in your financial future. It affects your ability to qualify for loans, secure better interest rates, and access financial opportunities.

Borrowing money can be a powerful tool – when used wisely. A well-planned loan can help you achieve important financial goals, but borrowing without a clear purpose can lead to unnecessary debt. The key is to borrow for the right reasons and ensure that every loan supports your financial wellbeing.

Money is often a source of tension in relationships, but it doesn’t have to be. A well- planned couple’s budget can help you manage shared expenses, avoid unnecessary conflicts, and build a stronger financial future together.

Money is often a source of tension in relationships, but it doesn’t have to be. A well- planned couple’s budget can help you manage shared expenses, avoid unnecessary conflicts, and build a stronger financial future together.