Tanya Jansen Financial Adviser - Consult Randhart

Most people think a Last Will and Testament is only for wealthy individuals.

It’s not.

A valid will helps protect your loved ones from:
• Delays
• Uncertainty
• Family stress
• Unnecessary complications

And honestly, it’s one of the most important financial documents you can have in place.

We currently assist clients with drafting a FREE Last Will and Testament.

If you would like more information, simply send us a message.

One positive shift happening lately?

More South Africans are becoming open about:
• Budgeting
• Debt
• Saving
• Retirement
• Financial stress

And honestly, that’s a GOOD thing.

For many South Africans, debt is no longer only a financial issue.

It has become emotional too.

High interest rates, rising living costs, and unexpected expenses have placed enormous pressure on household cash flow.

People are feeling:
• Exhausted
• Stressed
• Overwhelmed
• Financially trapped

The reason we’re sharing this is because many people suffer silently with financial stress.

Debt pressure can affect sleep, relationships, confidence, and emotional wellbeing.

But financial pressure is not something to be ashamed of. For many families, the first step toward relief is simply creating a proper plan, understanding the numbers, and knowing what options are available.

SOURCE ARTICLES:
Moneyweb
https://www.moneyweb.co.za/news/south-africa/south-african-households-tighten-budgets-as-financial-strain-rises/

Financial success is usually built quietly through:
• Consistency
• Discipline
• Better habits
• Long term thinking

Small decisions repeated over years often become life changing.

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One interesting trend currently emerging in South Africa is that more households are becoming both health conscious and financially conscious at the same time.

People are not only asking, “How do we spend less?”

They are also asking, “How do we live better with what we have?”

Recent consumer spending discussions show that many families are becoming more intentional around food, health, and household spending.

Many households are now:
• Reducing takeaways
• Buying healthier foods
• Planning meals properly
• Cooking more at home
• Becoming more intentional with spending

The reason we’re sharing this is because financial wellness and physical wellness are often deeply connected.

Better habits can lead to less waste, improved discipline, better health, and stronger long term stability.

SOURCE ARTICLES:
Moneyweb
https://www.moneyweb.co.za/moneyweb-podcasts/moneyweb-now/current-sa-consumer-spending-habits/

More South Africans are starting to value:
• Peace of mind
• Stability
• Simpler living
• Better planning

over trying to “look wealthy.”

And honestly?
That mindset shift is one of the healthiest financial trends we’ve seen in years.

Social media often makes wealth look loud.

Expensive cars. Big holidays. Perfect homes. Constant spending.

But real long term wealth usually looks much quieter.

It often looks like:
• Consistency
• Patience
• Controlled spending
• Long term investing
• Avoiding unnecessary debt

The reason we’re sharing this is because many people compare themselves financially to unrealistic lifestyles online.

Real financial progress is usually built slowly over many years through smart decisions repeated consistently.

And honestly, financial peace of mind is often far more valuable than trying to impress people.

SOURCE ARTICLES:
Financial Planning Institute SA
https://www.fpi.co.za/

Moneyweb
https://www.moneyweb.co.za/

Inflation does not usually feel dramatic overnight.

That is what makes it dangerous.

At 6% inflation, the buying power of your money can effectively halve over roughly 12 years. This means the money that feels sufficient today may not buy nearly as much in the future.

Inflation affects:
• Groceries
• Medical costs
• Retirement income
• School fees
• Long term savings

The reason we’re sharing this is because many people focus only on saving money, without asking whether their money is actually growing faster than inflation.

Saving is important, but growth matters too.

Inflation quietly erodes purchasing power, and over time it can place serious pressure on families, retirees, and long term financial plans.

SOURCE ARTICLES:
Moneyweb
https://www.moneyweb.co.za/financial-advisor-views/inflation-the-silent-killer-of-retirement/

Moneyweb
https://www.moneyweb.co.za/financial-advisor-views/the-silent-threat-to-your-retirement-inflations-real-bite/

One major shift happening lately is that many South Africans are starting to value simplicity far more than before.

After years of rising living costs, interest rate pressure, and household budgets being squeezed, many families are becoming less interested in showing off and more interested in feeling secure.

People are becoming less focused on:
• Overspending
• Chasing appearances
• Buying things to impress others
• Stretching themselves too thin financially

Instead, more households are focusing on peace of mind, financial stability, manageable lifestyles, and long term security.

The reason we’re sharing this is because financial pressure has changed how many people think about money and success.

And honestly, many South Africans are realising that financial peace is often more valuable than lifestyle pressure.

SOURCE ARTICLES:
Moneyweb
https://www.moneyweb.co.za/news/south-africa/south-african-households-tighten-budgets-as-financial-strain-rises/

Many people are earning more money than they did five years ago, yet somehow feel more financially stressed than ever before.

Groceries, fuel, school fees, medical aid, bond repayments, subscriptions, and lifestyle costs all slowly crept upward together.

A lot of households are surviving on decent incomes while still feeling like they can barely breathe financially at month-end.

The reason we’re sharing this is because many people automatically think financial pressure means failure. It doesn’t.

SOURCE ARTICLES:
Stats SA
https://www.statssa.gov.za/

BusinessTech
https://businesstech.co.za/