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Mogg Financial Advisors At Mogg Financial Advisory, we bring a wealth of experience and expertise in the world of finance.

If you were diagnosed tomorrow, which of your bills would stop? 💗 Probably not your bond. Not your groceries. Not the sc...
12/10/2026

If you were diagnosed tomorrow, which of your bills would stop? 💗

Probably not your bond.
Not your groceries.
Not the school fees, car payment, insurance premiums or electricity bill.

One of the difficult realities of serious illness is that while life may change very quickly, many of our financial commitments don’t.

That’s why financial resilience isn’t only about having enough money for medical treatment.

It’s also worth asking:
How many months could my current safety net carry my normal life if my income were affected?

Your emergency savings, sick leave, employer benefits and financial-protection policies may all form part of that picture — but the important thing is knowing what you actually have before you need it.

A useful starting point is:
Accessible emergency money ÷ essential monthly expenses = approximate months of breathing room.

It doesn’t need to be a perfect calculation. It simply gives you a clearer picture of how prepared you currently are — and where there may be gaps worth addressing.

Financial resilience is not about expecting something to go wrong. It’s about making sure one difficult event doesn’t have to become a financial crisis too.

Money Made Simple | Protect What Matters 💗

09/10/2026

“I have medical aid — why would I need severe illness cover?” 💗

Because medical aid, gap cover and severe illness cover are designed to do different jobs.

Medical aid helps with eligible healthcare costs.

Gap cover can help with certain medical shortfalls.

Severe illness cover may provide a lump sum following a qualifying illness or medical event — giving you flexibility for the financial impact around it.

Because even while you’re recovering, your bond, groceries, school fees, debit orders and everyday expenses don’t simply disappear.

The question isn’t only:

“Could I afford the treatment?”

It’s also:

“Could I afford everything else while I recover?”

Money Made Simple | Protect What Matters 💗

What does severe illness cover actually do? 💗 It’s easy to assume that if you have medical aid, the financial side of a ...
07/10/2026

What does severe illness cover actually do? 💗

It’s easy to assume that if you have medical aid, the financial side of a serious illness is taken care of.

But treatment costs are only one part of the picture.

Time away from work, reduced income, travelling for treatment, household help and your normal monthly commitments can all continue while you’re trying to recover.

Severe illness cover is designed to provide financial support following qualifying serious illnesses or medical events — helping create some breathing room when you may need it most.

The exact cover, definitions and benefits differ between policies, which is why understanding what you actually have matters.

Because protecting your health and protecting your finances are two different conversations — and both matter. 💗

Money Made Simple | Protect What Matters

💰 MONEY WATCH | It’s official: fuel prices are going up ⛽🇿🇦Remember those October fuel-price projections we’ve been keep...
06/10/2026

💰 MONEY WATCH | It’s official: fuel prices are going up ⛽🇿🇦

Remember those October fuel-price projections we’ve been keeping an eye on?
Unfortunately, they’re now official — and it’s a significant increase.

From Wednesday, 7 October 2026:
⛽ 93 petrol: ↑ R3.12/litre → R29.88/litre inland
⛽ 95 petrol: ↑ R3.33/litre → R30.25/litre inland
🚛 Diesel: ↑ approximately R2.84–R3.24/litre at wholesale level
💡 Illuminating paraffin: ↑ R3.58/litre at wholesale level

To put that into everyday terms, filling a 50-litre tank with 95 petrol will cost around R166.50 more after this increase.

⛽ So, why such a big jump?

South Africa’s fuel price is affected by both the rand/dollar exchange rate and international fuel prices.

Interestingly, the rand was relatively stable during this review period. The bigger pressure came from higher international oil and refined fuel prices, amid global supply pressures and geopolitical tensions.

And unfortunately, this isn’t only a problem when you pull into the petrol station.

Higher petrol and diesel costs can eventually filter through to transport, deliveries, food and other everyday expenses. They can also put upward pressure on inflation — which matters for the wider economy and potentially future interest-rate decisions.

💸 What does it mean for your budget? 💸

You can’t control the oil price or the exchange rate, but you can make sure rising living costs don’t quietly derail your financial plan.

If an extra R100, R200 or R500 a month starts disappearing into fuel and everyday expenses, check where that money is coming from. Ideally, it shouldn’t automatically mean cutting your savings or long-term investments without first reviewing the rest of the budget.

Sometimes financial planning isn’t about making a huge change.
It’s simply about adjusting the plan when the numbers change.

That’s what Money Watch is here for — keeping an eye on what’s happening and, more importantly, explaining what it could mean for your money. 💚

Money Made Simple.

October is Breast Cancer Awareness Month. 🎀 And while so much of the conversation understandably focuses on health, trea...
05/10/2026

October is Breast Cancer Awareness Month. 🎀

And while so much of the conversation understandably focuses on health, treatment and recovery, there is another side that can sometimes be overlooked: the financial impact of becoming seriously ill.

Medical expenses may be only one part of the picture.

Time away from work, reduced income, travelling for treatment, childcare, household help — and simply keeping everyday bills paid — can all place additional pressure on a family at an already difficult time.

That’s why this October, I want to spend some time talking about financial protection — severe illness, disability and income protection, as well as the Wills and estate planning that form part of protecting the people we care about.

Not from a place of fear.

From a place of being informed and prepared.

Because when life changes unexpectedly, having a plan can give you one less thing to worry about. 💗

Money Made Simple | Protect What Matters

Working alongside an adviser with over 30 years of experience has taught me that good financial advice is rarely just ab...
28/09/2026

Working alongside an adviser with over 30 years of experience has taught me that good financial advice is rarely just about the product.

Some of the lessons I’ve picked up along the way:

💚 Relationships outlast products. People remember whether you were there when they needed you.

📞 Answer the phone. Sometimes the most valuable part of advice is simply being accessible when life happens.

📈 A good financial plan shouldn’t rely on everything going perfectly. Markets change. Economies change. Life changes. The plan needs to be able to adapt.

🧩 Simple advice can be incredibly powerful. Financial planning doesn’t always need to be complicated to make a meaningful difference.

And perhaps the biggest one:
Money is emotional.

Behind every investment, policy or retirement plan is a person trying to protect something, build something or worry a little less about the future.

I’m very fortunate to be learning those lessons in practice — not just from textbooks.

What’s one piece of financial advice that has stuck with you?

💰 MONEY WATCH | October fuel price alert ⛽🇿🇦Welcome to Money Watch — a new series where I’ll share the financial develop...
26/09/2026

💰 MONEY WATCH | October fuel price alert ⛽🇿🇦

Welcome to Money Watch — a new series where I’ll share the financial developments worth paying attention to, and more importantly, what they could mean for your money.

The latest fuel-price projections are not looking pretty.

Current estimates point to increases of around R2.82/litre for 93 petrol, R3.00/litre for 95 petrol, and R2.67–R3.07/litre for diesel.

If those projections hold, inland 95 petrol could move close to R30 a litre.

And it’s not only about what it costs to fill your tank. Higher fuel and diesel prices can work their way through transport, food, deliveries and ultimately the broader household budget.

Important: these are current projections — the official October fuel prices have not yet been announced.

For now? It may be worth leaving a little more breathing room in the October budget. 👀

I’ll keep watching the numbers and share an update once the official adjustment is confirmed.

Money Made Simple. Because knowing what’s happening is one thing — understanding what it means for your money is another.

When did you last review your financial plan? 👀Life changes. Income changes. Priorities change. And sometimes our invest...
25/09/2026

When did you last review your financial plan? 👀

Life changes. Income changes. Priorities change. And sometimes our investments, cover and financial plans just keep ticking along in the background.

A financial review is simply a chance to check that what you have still makes sense for where you are now — and where you’re trying to go.

Swipe through and see if any of these sound familiar. ➡️

If even one does, it might be time for a check-in. 💚

Heritage is what we inherit. Legacy is what we leave behind. 🇿🇦On Heritage Day, we celebrate the cultures, traditions, s...
24/09/2026

Heritage is what we inherit. Legacy is what we leave behind. 🇿🇦

On Heritage Day, we celebrate the cultures, traditions, stories and people that shape who we are.

But legacy is also about what we choose to pass on.

The values we teach.
The opportunities we create.
The support we’re able to give the people who come after us.

For me, financial planning is part of that too — not simply building wealth, but thinking about what that wealth can mean for the people and causes that matter to us.

And perhaps that’s one of the most meaningful parts of planning for the future:
making sure what you’ve worked for can continue to make a difference long after you.

Happy Heritage Day, South Africa. 🇿🇦💚

Address

East Rand
Johannesburg
1610

Opening Hours

Monday 07:30 - 18:00
Tuesday 07:30 - 18:00
Wednesday 07:30 - 18:00
Thursday 07:30 - 18:00
Friday 07:30 - 18:00

Telephone

+27725867862

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