Kevin Mabunda - Sanlam Financial Advisor Lynnwood, Pretoria

July is 💸 and with tax season landing in your inbox 📩, (hello IRP5) it’s the perfect time to reset your money-saving habits

Here’s the simple shift: "Don’t save what’s left after spending. Spend what’s left after saving."

PAY YOURSELF first 💰
Most of us follow this pattern, earn it, spend it, save what is left (if anything) but wealth works in reverse, earn it, save it, spend what is left. Think about tax for a moment, you don’t choose to pay tax, it’s automatically deducted.

What if your savings worked the same way as your tax? 🤔
Treat savings like a non-negotiable expense. Even a small amount each month builds momentum.

AUTOMATE it ⚙️
Willpower tends to be overrated, but systems win. Consider setting up an automatic transfer on payday, by moving some of your income into a savings or investment account. Start with an amount that you feel you may not miss too much at first, no thinking, no temptation. Just consistency doing its thing.

The MAGIC INGREDIENT is time. ⏳
Saving is not just about putting money aside, it is allowing it to grow, and compound interest is where growth happens. Saving R500 a month at an average return of 8% could grow to:

±R36,000 in 5 years
±R91,000 in 10 years
±R295,000 in 20 years

Same contribution. Big difference over time.

Save SMARTER, not harder🧠
July is often seen as , so use the tax system to your advantage and explore one of the following.

1.Tax-Free Savings Accounts (TFSA): Where you don’t pay tax on the interest or growth – this is perfect for medium-term savings.

2.Retirement Savings: Did you know your contributions can reduce your taxable income up to a certain limit? This means that you save, grow your money, and pay less tax – that sounds like a win-win plan.

🔁Your JULY RESET🔁
Your IRP5 shows how structured tax deductions already work in your life.

Now apply that same discipline to your savings. Instead of waiting until month-end to save, save first, treat your savings like an automatic deduction. Start by choosing an amount – R200 or R500 or more, save it as soon as you get paid, and do this every month; watch it grow.

Meeting a financial adviser is free, confidential, and accessible for you and your family.
Book your session today.
https://www.sanlamadvice.co.za/adviser/kevin-mabunda/contact-us/

Do you know where your money is actually going each month?🤷

No judgement. Just a moment to check in, reset, and move forward smarter.

Whether you're tracking every rand or triple-checking your transactions to see who spent your money🫣, a budget can help you make more intentional money moves.

👉 Start building a budget that works for you with the Sanlam Budgeting Tool 👉 COMMENT the "budget" to have it sent to you.

Or setup time with your financial adviser at the link below
https://www.sanlamadvice.co.za/adviser/kevin-mabunda

💰 Start saving & investing early. Every small step counts.

This Savings Awareness Month, take a moment to reflect on your money habits.

Are you saving consistently towards your future — or waiting for “the right time” to start?

The truth is, there’s no perfect moment. What matters most is getting started, even if it’s just a small amount each month.

Over time, those small, consistent contributions can grow into something meaningful — whether it’s financial security for your family, your child’s education, or the lifestyle you want in retirement.

📊 The earlier you start, the more time your money has to work for you.

💬 If your goals, income, or circumstances have changed this year, it might be the perfect time for a quick financial check-in.

👉 Learn how to build smarter savings habits - start your savings journey on my digital business card below 📩 OR send a message to chat about your plan.

📞 Phone: 0655260173 / 0655260173
📧 Email: [email protected] / [email protected]
🏢 Office: 1 Sanlam Street, Lynnwood, Pretoria, 0002

Home | Kevin Mabunda | Sanlam Financial Planner | Pretoria I am 100% about helping you build wealth, protect your future, & live with confidence. Financial Planner | Risk & Investment Strategies Turning uncertainty into security, one plan at a time.

💰 Start saving & investing early. Every small step counts.

This Savings Awareness Month, take a moment to reflect on your money habits.

Are you saving consistently towards your future — or waiting for “the right time” to start?

The truth is, there’s no perfect moment. What matters most is getting started, even if it’s just a small amount each month.

Over time, those small, consistent contributions can grow into something meaningful — whether it’s financial security for your family, your child’s education, or the lifestyle you want in retirement.

📊 The earlier you start, the more time your money has to work for you.

💬 If your goals, income, or circumstances have changed this year, it might be the perfect time for a quick financial check-in.

👉 Learn how to build smarter savings habits - start your savings journey on my digital business card below 📩 OR send a message to chat about your plan.

📞 Phone: 0655260173 / 0655260173
📧 Email: [email protected] / [email protected]
🏢 Office: 1 Sanlam Street, Lynnwood, Pretoria, 0002

Home | Kevin Mabunda | Sanlam Financial Planner | Pretoria I am 100% about helping you build wealth, protect your future, & live with confidence. Financial Planner | Risk & Investment Strategies Turning uncertainty into security, one plan at a time.

Competition time with

https://www.facebook.com/sanlamreality/posts/pfbid02tVA98NVnTRSypEZXPU6VFQwdJpLpa5ZDvj6KQyAb72SJKCNeQPSxWiZQAmS6qtAvl

July is – the perfect time to be more intentional about how you spend, especially with the strain we’re all feeling because of the rising cost of living.

Here are 5 small money moves that will help you save:

1.Don't try to save for everything at once - Pace yourself!

2.Save your salary increase before you spend it

3.Take lunch to work at least twice a week

4.Cancel one subscription you haven't used in a month (streaming, fitness apps, premium memberships, extra services etc.)

5.Wait 24hrs before buying non-essentials to see if acquiring it will be a good investment.

What’s one cost you’re tightening up this month?
Share in the comments 👇

Understanding how different investment vehicles are taxed can significantly impact your long-term returns. With careful planning, you can reduce your tax burden while still achieving your financial goals. Learn how to make your investments work harder for you by speaking to your financial adviser about building a more tax-efficient portfolio.

Tax Efficient Investment Opportunities | Kevin Mabunda | Sanlam Financial Planner | Pretoria Pay less tax and grow your savings with smart investment choices. This blog explains tax-efficient options like Tax-Free Savings Accounts (TFSAs), showing how you can maximise returns while minimising tax with expert guidance.

🏡 Looking for expert financial advice? Kevin Mabunda is here to guide others just like you! Share our website home page with your network. 💙

📞0655260173
📧[email protected]
🏠1 Sanlam Street, Lynnwood, Pretoria, 0002






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Home | Kevin Mabunda | Sanlam Financial Planner | Pretoria I am 100% about helping you build wealth, protect your future, & live with confidence. Financial Planner | Risk & Investment Strategies Turning uncertainty into security, one plan at a time.

While tax preparation may be an enjoyable task for a select few, THE MAJORITY OF US groan at the thought.

If we are prepared, we can ensure a smooth and stress-free filing experience.

We’ve got you covered in this blog article with simple steps to streamline the process.

View these tips and more on my digital business card or make contact below to have them sent to your Inbox.

Kevin Mabunda:
📞0655260173
📧[email protected]
Office: 1 Sanlam Street, Lynnwood, Pretoria, 0002

Here's how tax season can be less taxing...
https://www.sanlamadvice.co.za/adviser/kevin-mabunda/blogs/tax-season-shouldnt-be-so-taxing/

Please RECOMMEND & SHARE my Digital Business Card with your Social Media friends and contacts 👇

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Browse my page and website to learn about how I can help you discover your financial confidence this year.