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A guide to creating wealth, for people like us.

Straight-talking, usable advice to get you started on your journey towards financial freedom.

Insurance

Insurance

6

Lessons

Understanding Life Insurance

Insurance covers risk, and a risk is anything that could happen that would expose you to loss. Basically, when there’s an asset involved (something of value), there’s also risk.

1

What is Insurance?

Insurance covers risk, and a risk is anything that could happen that would expose you to loss. Basically, when there’s an asset involved (something of value), there’s also risk.

2

What is Underwriting?

The method insurance companies use to work out your level of risk is called underwriting.

3

What Types of Insurance Are There?

Many people make the mistake of either getting insurance they don’t actually need or not getting the right types of insurance for their needs.

4

How Do Insurers Make Money?

Insurance, like all good business models, has to be profitable. Insurers have to cover their costs and make a profit to stay in business.

5

How Much Cover Do I Need?

Discovering that you, or someone you depend on, doesn’t have enough insurance can really be a tragedy on top of a tragedy, because you usually only find out when things go wrong.

6

5 Steps to Getting Insured

Think of this article as one of those vitamin-enriched, whole-wheat loaves of bread: an honest, wholesome guide to getting insurance.

Life Stages

Life Stages

3

Lessons

Who Needs Life Insurance?

Most People will need Life Insurance at some point in their lives, so it’s likely you’ll need life insurance. What’s most important is that you understand the key life milestones that impact what and how much cover you need.

1

Why Even Young People Need Life Insurance

Like wifi, you can’t see life insurance. And, also like wifi, if you don’t have it when you really need it, you (and people you care for) can find yourself in a world of pain.

2

Why you Need Life Insurance When Buying a Home

It’s said that buying a house is one of the most stressful life events, and if you’ve recently entered the property market, you’re probably vigorously nodding your head.

3

What New Parents Need to Know About Life Insurance

Providing for your child isn’t just about taking care of their current needs; it’s about preparing for their future needs too.

Money

Money

7

Lessons

Understanding Money

“Being wealthy” is really about having financial freedom. Handled the right way, wealth can grow itself. But making bad financial decisions can get you into debt, which destroys your chances of wealth.

1

How Can I Get Rich?

"How do I get wealthy?" Well, that depends on how you define being wealthy. On the one hand, there's looking wealthy, and on the other, there's being financially free.

2

How Do I Make a Budget?

The first step to financial freedom is to spend less than you get paid. But that can be a lot harder than it sounds without a good budget.

3

10 Steps to Creating a Budget (That You’ll Actually Use)

Setting up a budget is a crucial first step in getting control of your finances, because it shows you how much you earn, how much you’re spending and lets you plan a path to reducing your debts and increasing your savings.

4

Why (and How) Should I Save?

Giving up your morning latté seems like a drag right now, but knowing exactly why you’re doing it will cheer you up and keep you focused.

5

What Are Assets and How Do I Get Them?

Not all assets are created equal. Some make you wealthier. And others make you look wealthy but really make you poorer over time.

6

What’s My Best Asset?

You’re keen to get hold of those sweet, sweet money-making assets, but you’re flat broke. Good news: the answer is closer than you think.

7

What is Debt and How Do I Get Out of it?

You’ll never be wealthy as long as you owe other people more money than you have. So before you can be financially free, you’ve got to get rid of your unhealthy debt.

Money How To's

Money How To's

7

Lessons

Money How To's

We’re on a mission to make your money work for you. In these How-To’s we’ll be helping you hack your finances to ‘make it rain’, responsibly.

1

How to Kondo Your Finances

You’ve seen the show, maybe you’ve read the book. But how can you apply the methods to your money?

2

How to Kick Bad Spending Habits

Do your days feel empty when there’s no delivery waiting? Do you find yourself browsing online shops when you’re bored? Is the mall your happy place? You might have a spending problem...

3

How to Live Like a Tourist on a Local’s Salary

If you can’t be with the one you love, love the one you’re with (except that, in this case, we’re referring to the place you live).

4

How to Grow Your Wealth

“This high school dropout made millions with this one trick! Doctors hate him!” Just kidding, we don’t know any get-rich-quick schemes. But we can help you grow your wealth.

5

How to Plan for Death In A Digital World

Stop obsessing about dying, and start obsessing about what comes after (for those left behind) instead!

6

How to Fall In Love with Compound Interest

Save small now, reap big rewards later.

7

How to Show Your Love on a Budget

Everyone loves a little bit of lovin’, but not everyone likes spending large amounts of money on cheesy stuffed animals or plastic-wrapped candy hearts that will inevitably end up glued to some poor ocean animal.

Savings

Savings

2

Lessons

Understanding Savings

Saving for your future can take many forms. Emergency funds, investments and retirement annuities are all examples of this and will help grow your wealth and peace of mind.

1

How much do I need to retire?

Ah, the million dollar question... with (possibly) a million dollar answer. As with most things financial, there’s no really simple way to answer this, but, by going back to basics, we think we can come up with something pretty useful.

2

What is an Emergency Fund and How Can I Set One Up?

Even the bad times can be good with a little extra set aside.

Debt

Debt

8

Lessons

Understanding Debt

It's important to know that not all debt is bad, and some debt can actually help you achieve your future financial goals. The main goal is to know the difference, and make sure you sort out the bad kind so you can get more of the good kind.

1

What is Debt?

Debt is money you owe. We’re talking about the big numbers, not the R6.99 you borrowed from your tjom to buy some NikNaks.

2

Is All Debt Bad?

Look, having no debt is great. But some debt can be a benefit. So how do you figure the good from the bad?

3

Why Does Bad Debt Happen to Good People?

Unhealthy debt doesn’t happen all at once. It starts with a swipe, and ends with your money (and your future money) disappearing into a dark pit.

4

How Do I Find Out How Much Debt I Have?

Okay, so you’ve committed to getting rid of all your unhealthy debt. You’re turning over a new leaf, and… and… where do you even start??

5

Can I Use a Credit Card to My Advantage?

When it comes to credit cards, people are often strongly divided into the “Yes, They Changed My Life!” and the “No, Cut Them Up!” camps.

6

How Do I Get Out of Debt?

Getting out of unhealthy debt is possible, but it sure ain’t easy.

7

What is Debt Counselling?

Is it good, or bad? We’ve got the info you need to figure out the debt-busting solution that’s right for you.

8

What Happens to My Debt When I Die?

Unfortunately, “‘til death do us part” doesn’t apply to your debt.

Still unsure? Get in touch and let us help.

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