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โœ๐Ÿป ๐—œ๐˜€ ๐˜†๐—ผ๐˜‚๐—ฟ ๐—ช๐—ถ๐—น๐—น ๐˜€๐—ถ๐—ด๐—ป๐—ฒ๐—ฑ ๐—ฐ๐—ผ๐—ฟ๐—ฟ๐—ฒ๐—ฐ๐˜๐—น๐˜†?โ—Having a Will is important. Having a valid Will is what makes the difference.In South ...
27/10/2026

โœ๐Ÿป ๐—œ๐˜€ ๐˜†๐—ผ๐˜‚๐—ฟ ๐—ช๐—ถ๐—น๐—น ๐˜€๐—ถ๐—ด๐—ป๐—ฒ๐—ฑ ๐—ฐ๐—ผ๐—ฟ๐—ฟ๐—ฒ๐—ฐ๐˜๐—น๐˜†?

โ—Having a Will is important. Having a valid Will is what makes the difference.

In South Africa ๐Ÿ‡ฟ๐Ÿ‡ฆ, a person aged 16 or older can generally make a Will if they understand what they are signing. The Will must be in writing and signed at the end in the presence of at least two competent witnesses. The person making the Will must also sign the other pages.

A witness may be 14 or older if competent to give evidence in court. But beneficiaries, nominated executors and certain related people should not be witnesses because of the legal consequences.

A good next step? Have a professional check the document, then keep the signed original safe ๐Ÿ›Ÿ - and tell someone trusted where it is.

๐ท๐‘–๐‘ ๐‘๐‘™๐‘œ๐‘ ๐‘ข๐‘Ÿ๐‘’: ๐‘‡โ„Ž๐‘–๐‘  ๐‘–๐‘  ๐‘”๐‘’๐‘›๐‘’๐‘Ÿ๐‘Ž๐‘™ ๐‘†๐‘œ๐‘ข๐‘กโ„Ž ๐ด๐‘“๐‘Ÿ๐‘–๐‘๐‘Ž๐‘› ๐‘’๐‘ ๐‘ก๐‘Ž๐‘ก๐‘’-๐‘๐‘™๐‘Ž๐‘›๐‘›๐‘–๐‘›๐‘” ๐‘–๐‘›๐‘“๐‘œ๐‘Ÿ๐‘š๐‘Ž๐‘ก๐‘–๐‘œ๐‘›, ๐‘›๐‘œ๐‘ก ๐‘™๐‘’๐‘”๐‘Ž๐‘™ ๐‘Ž๐‘‘๐‘ฃ๐‘–๐‘๐‘’. ๐ด๐‘ ๐‘˜

๐—ฅ๐—ฒ๐˜๐—ฎ๐—ถ๐—น, ๐—บ๐—ฎ๐—ฟ๐—ธ๐—ฒ๐˜ ๐—ผ๐—ฟ ๐—ฎ๐—ด๐—ฟ๐—ฒ๐—ฒ๐—ฑ ๐˜ƒ๐—ฎ๐—น๐˜‚๐—ฒ: ๐˜„๐—ต๐—ฎ๐˜ ๐—ถ๐˜€ ๐˜†๐—ผ๐˜‚๐—ฟ ๐—ฐ๐—ฎ๐—ฟ ๐—ถ๐—ป๐˜€๐˜‚๐—ฟ๐—ฒ๐—ฑ ๐—ณ๐—ผ๐—ฟ?๐Ÿš— Your car may have more than one value. Do you know which ...
23/10/2026

๐—ฅ๐—ฒ๐˜๐—ฎ๐—ถ๐—น, ๐—บ๐—ฎ๐—ฟ๐—ธ๐—ฒ๐˜ ๐—ผ๐—ฟ ๐—ฎ๐—ด๐—ฟ๐—ฒ๐—ฒ๐—ฑ ๐˜ƒ๐—ฎ๐—น๐˜‚๐—ฒ: ๐˜„๐—ต๐—ฎ๐˜ ๐—ถ๐˜€ ๐˜†๐—ผ๐˜‚๐—ฟ ๐—ฐ๐—ฎ๐—ฟ ๐—ถ๐—ป๐˜€๐˜‚๐—ฟ๐—ฒ๐—ฑ ๐—ณ๐—ผ๐—ฟ?

๐Ÿš— Your car may have more than one value. Do you know which one your insurance policy uses?

๐—ฅ๐—ฒ๐˜๐—ฎ๐—ถ๐—น ๐˜ƒ๐—ฎ๐—น๐˜‚๐—ฒ generally refers to a vehicleโ€™s estimated dealer selling price. Market value broadly reflects what a similar vehicle could sell for in the market. An agreed or nominated value is an amount specified with the insurer, subject to the policy terms.

โ“ Why does it matter? The insured value can affect the amount considered when a vehicle is stolen or written off - alongside the excess, exclusions and claims conditions.

๐Ÿ‘€ Have a look at your schedule. If you are not sure which basis applies, ask before you need to claim.

๐ท๐‘–๐‘ ๐‘๐‘™๐‘œ๐‘ ๐‘ข๐‘Ÿ๐‘’: ๐ถ๐‘œ๐‘ฃ๐‘’๐‘Ÿ, ๐‘’๐‘ฅ๐‘๐‘™๐‘ข๐‘ ๐‘–๐‘œ๐‘›๐‘ , ๐‘™๐‘–๐‘š๐‘–๐‘ก๐‘  ๐‘Ž๐‘›๐‘‘ ๐‘๐‘™๐‘Ž๐‘–๐‘š๐‘  ๐‘œ๐‘ข๐‘ก๐‘๐‘œ๐‘š๐‘’๐‘  ๐‘‘๐‘’๐‘๐‘’๐‘›๐‘‘ ๐‘œ๐‘› ๐‘กโ„Ž๐‘’ ๐‘๐‘œ๐‘™๐‘–๐‘๐‘ฆ ๐‘ค๐‘œ๐‘Ÿ๐‘‘๐‘–๐‘›๐‘” ๐‘Ž๐‘›๐‘‘ ๐‘–๐‘›๐‘ ๐‘ข๐‘Ÿ๐‘’๐‘Ÿ. ๐ด๐‘ ๐‘˜ ๐‘ฆ๐‘œ๐‘ข๐‘Ÿ ๐‘Ž๐‘‘๐‘ฃ๐‘–๐‘ ๐‘’๐‘Ÿ ๐‘ก๐‘œ ๐‘Ÿ๐‘’๐‘ฃ๐‘–๐‘’๐‘ค ๐‘ฆ๐‘œ๐‘ข๐‘Ÿ ๐‘–๐‘›๐‘‘๐‘–๐‘ฃ๐‘–๐‘‘๐‘ข๐‘Ž๐‘™ ๐‘๐‘–๐‘Ÿ๐‘๐‘ข๐‘š๐‘ ๐‘ก๐‘Ž๐‘›๐‘๐‘’๐‘ .

๐—ง๐—ต๐—ฟ๐—ฒ๐—ฒ ๐—ฆ๐—”๐—ฅ๐—ฆ ๐—ณ๐—ถ๐—ด๐˜‚๐—ฟ๐—ฒ๐˜€ ๐˜„๐—ผ๐—ฟ๐˜๐—ต ๐—ธ๐—ป๐—ผ๐˜„๐—ถ๐—ป๐—ด ๐Ÿค“Do you know which tax thresholds and exemptions may apply to you in the 2026/27 tax ye...
21/10/2026

๐—ง๐—ต๐—ฟ๐—ฒ๐—ฒ ๐—ฆ๐—”๐—ฅ๐—ฆ ๐—ณ๐—ถ๐—ด๐˜‚๐—ฟ๐—ฒ๐˜€ ๐˜„๐—ผ๐—ฟ๐˜๐—ต ๐—ธ๐—ป๐—ผ๐˜„๐—ถ๐—ป๐—ด ๐Ÿค“

Do you know which tax thresholds and exemptions may apply to you in the 2026/27 tax year?

1๏ธโƒฃ R99,000 - the ๐—ฎ๐—ป๐—ป๐˜‚๐—ฎ๐—น ๐—ถ๐—ป๐—ฐ๐—ผ๐—บ๐—ฒ-๐˜๐—ฎ๐˜… ๐˜๐—ต๐—ฟ๐—ฒ๐˜€๐—ต๐—ผ๐—น๐—ฑ for an individual under 65.
2๏ธโƒฃ R23,800 - the ๐—ฎ๐—ป๐—ป๐˜‚๐—ฎ๐—น ๐—ฒ๐˜…๐—ฒ๐—บ๐—ฝ๐˜๐—ถ๐—ผ๐—ป for qualifying South African-source interest for an individual under 65.
3๏ธโƒฃ R50,000 - the ๐—ฎ๐—ป๐—ป๐˜‚๐—ฎ๐—น ๐—ฐ๐—ฎ๐—ฝ๐—ถ๐˜๐—ฎ๐—น-๐—ด๐—ฎ๐—ถ๐—ป๐˜€-๐˜๐—ฎ๐˜… ๐—ฒ๐˜…๐—ฐ๐—น๐˜‚๐˜€๐—ถ๐—ผ๐—ป for an individual.

These figures generally apply per person, not per couple. Both spouses may therefore have their own thresholds and exclusions, depending on their individual circumstances.

Knowing the numbers is useful. Structuring your finances thoughtfully is where a personal financial plan adds value.

๐—ช๐—ต๐—ถ๐—ฐ๐—ต ๐—ผ๐—ณ ๐˜๐—ต๐—ฒ๐˜€๐—ฒ ๐˜๐—ต๐—ฟ๐—ฒ๐—ฒ ๐—ณ๐—ถ๐—ด๐˜‚๐—ฟ๐—ฒ๐˜€ ๐—ฑ๐—ถ๐—ฑ ๐˜†๐—ผ๐˜‚ ๐—ฎ๐—น๐—ฟ๐—ฒ๐—ฎ๐—ฑ๐˜† ๐—ธ๐—ป๐—ผ๐˜„?

๐ท๐‘–๐‘ ๐‘๐‘™๐‘œ๐‘ ๐‘ข๐‘Ÿ๐‘’: ๐‘‡๐‘Ž๐‘ฅ ๐‘Ÿ๐‘ข๐‘™๐‘’๐‘  ๐‘Ž๐‘›๐‘‘ ๐‘–๐‘›๐‘‘๐‘–๐‘ฃ๐‘–๐‘‘๐‘ข๐‘Ž๐‘™ ๐‘๐‘–๐‘Ÿ๐‘๐‘ข๐‘š๐‘ ๐‘ก๐‘Ž๐‘›๐‘๐‘’๐‘  ๐‘ฃ๐‘Ž๐‘Ÿ๐‘ฆ. ๐‘ƒ๐‘™๐‘’๐‘Ž๐‘ ๐‘’ ๐‘๐‘œ๐‘›๐‘ ๐‘ข๐‘™๐‘ก ๐‘ฆ๐‘œ๐‘ข๐‘Ÿ ๐น๐‘–๐‘›๐‘Ž๐‘›๐‘๐‘–๐‘Ž๐‘™ ๐‘ƒ๐‘™๐‘Ž๐‘›๐‘›๐‘’๐‘Ÿ ๐‘Ž๐‘›๐‘‘/๐‘œ๐‘Ÿ ๐‘ก๐‘Ž๐‘ฅ ๐‘๐‘Ÿ๐‘Ž๐‘๐‘ก๐‘–๐‘ก๐‘–๐‘œ๐‘›๐‘’๐‘Ÿ; ๐‘–๐‘›๐‘ฃ๐‘’๐‘ ๐‘ก๐‘š๐‘’๐‘›๐‘ก ๐‘Ÿ๐‘’๐‘ก๐‘ข๐‘Ÿ๐‘›๐‘  ๐‘Ž๐‘Ÿ๐‘’ ๐‘›๐‘œ๐‘ก ๐‘”๐‘ข๐‘Ž๐‘Ÿ๐‘Ž๐‘›๐‘ก๐‘’๐‘’๐‘‘.

๐€ ๐œ๐ก๐ž๐š๐ฉ๐ž๐ซ ๐ฆ๐ž๐๐ข๐œ๐š๐ฅ ๐š๐ข๐ ๐จ๐ฉ๐ญ๐ข๐จ๐ง ๐ฆ๐š๐ฒ ๐ก๐š๐ฏ๐ž ๐š ๐ญ๐ซ๐š๐๐ž-๐จ๐Ÿ๐ŸA network medical aid plan may have a lower monthly contribution - but ...
19/10/2026

๐€ ๐œ๐ก๐ž๐š๐ฉ๐ž๐ซ ๐ฆ๐ž๐๐ข๐œ๐š๐ฅ ๐š๐ข๐ ๐จ๐ฉ๐ญ๐ข๐จ๐ง ๐ฆ๐š๐ฒ ๐ก๐š๐ฏ๐ž ๐š ๐ญ๐ซ๐š๐๐ž-๐จ๐Ÿ๐Ÿ

A network medical aid plan may have a lower monthly contribution - but there is something important to understand before you choose it.

Network options typically require you to use selected doctors, hospitals, pharmacies or other approved providers to receive the full available benefit.

That can work brilliantly when the network suits your needs. It can be frustrating - and costly - when it does not.

Before switching, check the hospitals near you, your regular healthcare providers, specialist referral rules and possible co-payments.

The best medical aid option is not necessarily the one with the lowest contribution. It is the one you understand and can actually use.

๐ท๐‘–๐‘ ๐‘๐‘™๐‘œ๐‘ ๐‘ข๐‘Ÿ๐‘’: ๐ต๐‘’๐‘›๐‘’๐‘“๐‘–๐‘ก๐‘ , ๐‘ก๐‘Ž๐‘Ÿ๐‘–๐‘“๐‘“๐‘ , ๐‘“๐‘œ๐‘Ÿ๐‘š๐‘ข๐‘™๐‘Ž๐‘Ÿ๐‘–๐‘’๐‘ , ๐‘›๐‘’๐‘ก๐‘ค๐‘œ๐‘Ÿ๐‘˜๐‘  ๐‘Ž๐‘›๐‘‘ ๐‘ค๐‘Ž๐‘–๐‘ก๐‘–๐‘›๐‘” ๐‘๐‘’๐‘Ÿ๐‘–๐‘œ๐‘‘๐‘  ๐‘‘๐‘’๐‘๐‘’๐‘›๐‘‘ ๐‘œ๐‘› ๐‘ ๐‘โ„Ž๐‘’๐‘š๐‘’ ๐‘Ÿ๐‘ข๐‘™๐‘’๐‘  ๐‘Ž๐‘›๐‘‘ ๐‘–๐‘›๐‘‘๐‘–๐‘ฃ๐‘–๐‘‘๐‘ข๐‘Ž๐‘™ ๐‘š๐‘’๐‘š๐‘๐‘’๐‘Ÿ๐‘ โ„Ž๐‘–๐‘ โ„Ž๐‘–๐‘ ๐‘ก๐‘œ๐‘Ÿ๐‘ฆ. ๐ถโ„Ž๐‘’๐‘๐‘˜ ๐‘ค๐‘–๐‘กโ„Ž ๐‘ฆ๐‘œ๐‘ข๐‘Ÿ ๐‘ ๐‘โ„Ž๐‘’๐‘š๐‘’ ๐‘œ๐‘Ÿ ๐‘Ž๐‘‘๐‘ฃ๐‘–๐‘ ๐‘’๐‘Ÿ.

13/10/2026

๐–๐ก๐ž๐ง ๐ฅ๐š๐ฌ๐ญ ๐๐ข๐ ๐ฒ๐จ๐ฎ ๐œ๐จ๐ฆ๐ฉ๐š๐ซ๐ž ๐ฒ๐จ๐ฎ๐ซ ๐ข๐ง๐ฌ๐ฎ๐ซ๐š๐ง๐œ๐ž?

Your insurance renewal is more than an annual premium increase. It is an opportunity to make sure your cover still fits your life.

Perhaps you have moved, bought something valuable, renovated your home or changed how you use your car. Those details can affect both the cover you need and the price you pay.

Before renewing, ask: Am I covered for the right amount? Are my excesses still affordable? Have I checked exclusions and compared suitable alternatives?

The goal is not simply the cheapest premium. It is appropriate cover at a fair price.

Talk to Wealth Craft about a short-term insurance review.

๐ท๐‘–๐‘ ๐‘๐‘™๐‘œ๐‘ ๐‘ข๐‘Ÿ๐‘’: ๐ถ๐‘œ๐‘ฃ๐‘’๐‘Ÿ, ๐‘’๐‘ฅ๐‘๐‘™๐‘ข๐‘ ๐‘–๐‘œ๐‘›๐‘ , ๐‘™๐‘–๐‘š๐‘–๐‘ก๐‘  ๐‘Ž๐‘›๐‘‘ ๐‘๐‘™๐‘Ž๐‘–๐‘š๐‘  ๐‘œ๐‘ข๐‘ก๐‘๐‘œ๐‘š๐‘’๐‘  ๐‘‘๐‘’๐‘๐‘’๐‘›๐‘‘ ๐‘œ๐‘› ๐‘กโ„Ž๐‘’ ๐‘๐‘œ๐‘™๐‘–๐‘๐‘ฆ ๐‘ค๐‘œ๐‘Ÿ๐‘‘๐‘–๐‘›๐‘” ๐‘Ž๐‘›๐‘‘ ๐‘–๐‘›๐‘ ๐‘ข๐‘Ÿ๐‘’๐‘Ÿ. ๐ด๐‘ ๐‘˜ ๐‘ฆ๐‘œ๐‘ข๐‘Ÿ ๐‘Ž๐‘‘๐‘ฃ๐‘–๐‘ ๐‘’๐‘Ÿ ๐‘ก๐‘œ ๐‘Ÿ๐‘’๐‘ฃ๐‘–๐‘’๐‘ค ๐‘ฆ๐‘œ๐‘ข๐‘Ÿ ๐‘–๐‘›๐‘‘๐‘–๐‘ฃ๐‘–๐‘‘๐‘ข๐‘Ž๐‘™ ๐‘๐‘–๐‘Ÿ๐‘๐‘ข๐‘š๐‘ ๐‘ก๐‘Ž๐‘›๐‘๐‘’๐‘ .

๐€ ๐Ÿ๐ข๐ง๐š๐ง๐œ๐ข๐š๐ฅ ๐ฉ๐ฅ๐š๐ง ๐ข๐ฌ ๐ฆ๐จ๐ซ๐ž ๐ญ๐ก๐š๐ง ๐š๐ง ๐ข๐ง๐ฏ๐ž๐ฌ๐ญ๐ฆ๐ž๐ง๐ญWhen someone says โ€œ๐Ÿ๐ข๐ง๐š๐ง๐œ๐ข๐š๐ฅ ๐ฉ๐ฅ๐š๐ง๐ง๐ข๐ง๐ โ€, what comes to mind? ๐’๐š๐ฏ๐ข๐ง๐ ๐ฌ? ๐‘๐ž๐ญ๐ข๐ซ๐ž๐ฆ๐ž...
11/10/2026

๐€ ๐Ÿ๐ข๐ง๐š๐ง๐œ๐ข๐š๐ฅ ๐ฉ๐ฅ๐š๐ง ๐ข๐ฌ ๐ฆ๐จ๐ซ๐ž ๐ญ๐ก๐š๐ง ๐š๐ง ๐ข๐ง๐ฏ๐ž๐ฌ๐ญ๐ฆ๐ž๐ง๐ญ

When someone says โ€œ๐Ÿ๐ข๐ง๐š๐ง๐œ๐ข๐š๐ฅ ๐ฉ๐ฅ๐š๐ง๐ง๐ข๐ง๐ โ€, what comes to mind? ๐’๐š๐ฏ๐ข๐ง๐ ๐ฌ? ๐‘๐ž๐ญ๐ข๐ซ๐ž๐ฆ๐ž๐ง๐ญ? ๐€ ๐ฌ๐ฉ๐ซ๐ž๐š๐๐ฌ๐ก๐ž๐ž๐ญ ๐Ÿ๐ฎ๐ฅ๐ฅ ๐จ๐Ÿ ๐ง๐ฎ๐ฆ๐›๐ž๐ซ๐ฌ?

๐Ÿ’ช๐Ÿป A good financial plan considers much more.

It looks at what you want to achieve, what could interrupt those plans and who relies on you. That may involve cash flow, investments, insurance, medical cover and estate planning - all working together.

Over the coming months, ๐–๐ž๐š๐ฅ๐ญ๐ก ๐‚๐ซ๐š๐Ÿ๐ญ will unpack the practical things worth knowing, ๐จ๐ง๐ž ๐ญ๐จ๐ฉ๐ข๐œ ๐š๐ญ ๐š ๐ญ๐ข๐ฆ๐ž.
No complicated jargon. Just clear ideas to help you ask better questions about your money and your future.

What topic would you like to understand betterโ“

๐˜‹๐˜ช๐˜ด๐˜ค๐˜ญ๐˜ฐ๐˜ด๐˜ถ๐˜ณ๐˜ฆ: ๐˜Ž๐˜ฆ๐˜ฏ๐˜ฆ๐˜ณ๐˜ข๐˜ญ ๐˜ช๐˜ฏ๐˜ง๐˜ฐ๐˜ณ๐˜ฎ๐˜ข๐˜ต๐˜ช๐˜ฐ๐˜ฏ ๐˜ฐ๐˜ฏ๐˜ญ๐˜บ. ๐˜š๐˜ฑ๐˜ฆ๐˜ข๐˜ฌ ๐˜ต๐˜ฐ ๐˜ข ๐˜ฒ๐˜ถ๐˜ข๐˜ญ๐˜ช๐˜ง๐˜ช๐˜ฆ๐˜ฅ ๐˜ข๐˜ฅ๐˜ท๐˜ช๐˜ด๐˜ฆ๐˜ณ ๐˜ข๐˜ฃ๐˜ฐ๐˜ถ๐˜ต ๐˜บ๐˜ฐ๐˜ถ๐˜ณ ๐˜ค๐˜ช๐˜ณ๐˜ค๐˜ถ๐˜ฎ๐˜ด๐˜ต๐˜ข๐˜ฏ๐˜ค๐˜ฆ๐˜ด.

๐—ฌ๐—ผ๐˜‚๐—ฟ ๐—ข๐—ฐ๐˜๐—ผ๐—ฏ๐—ฒ๐—ฟ ๐—บ๐—ผ๐—ป๐—ฒ๐˜† ๐—ฐ๐—ต๐—ฒ๐—ฐ๐—ธ-๐—ถ๐—ป, ๐—ถ๐—ป ๐—ณ๐—ถ๐˜ƒ๐—ฒ ๐—บ๐—ถ๐—ป๐˜‚๐˜๐—ฒ๐˜€October has begun. Before the month runs away with you, give your money a ๐—ณ๐—ถ...
09/10/2026

๐—ฌ๐—ผ๐˜‚๐—ฟ ๐—ข๐—ฐ๐˜๐—ผ๐—ฏ๐—ฒ๐—ฟ ๐—บ๐—ผ๐—ป๐—ฒ๐˜† ๐—ฐ๐—ต๐—ฒ๐—ฐ๐—ธ-๐—ถ๐—ป, ๐—ถ๐—ป ๐—ณ๐—ถ๐˜ƒ๐—ฒ ๐—บ๐—ถ๐—ป๐˜‚๐˜๐—ฒ๐˜€

October has begun. Before the month runs away with you, give your money a ๐—ณ๐—ถ๐˜ƒ๐—ฒ-๐—บ๐—ถ๐—ป๐˜‚๐˜๐—ฒ ๐—ฐ๐—ต๐—ฒ๐—ฐ๐—ธ-๐—ถ๐—ป.
What still needs to be paid this monthโ“ Have you set something aside, even a small amountโ“ And is there one expense you can plan for rather than be surprised byโ“

You do not need a perfect budget. You need a clear idea of what is coming in, what is going out and what matters most.

Small check-ins make the bigger decisions feel easier.

What is one financial habit you would like to improve this month?

๐˜‹๐‘–๐˜ด๐‘๐˜ญ๐‘œ๐˜ด๐‘ข๐˜ณ๐‘’: ๐˜Ž๐‘’๐˜ฏ๐‘’๐˜ณ๐‘Ž๐˜ญ ๐˜ช๐‘›๐˜ง๐‘œ๐˜ณ๐‘š๐˜ข๐‘ก๐˜ช๐‘œ๐˜ฏ ๐˜ฐ๐‘›๐˜ญ๐‘ฆ. ๐˜š๐‘๐˜ฆ๐‘Ž๐˜ฌ ๐˜ต๐‘œ ๐‘Ž ๐‘ž๐˜ถ๐‘Ž๐˜ญ๐‘–๐˜ง๐‘–๐˜ฆ๐‘‘ ๐‘Ž๐˜ฅ๐‘ฃ๐˜ช๐‘ ๐˜ฆ๐‘Ÿ ๐‘Ž๐˜ฃ๐‘œ๐˜ถ๐‘ก ๐‘ฆ๐˜ฐ๐‘ข๐˜ณ ๐˜ค๐‘–๐˜ณ๐‘๐˜ถ๐‘š๐˜ด๐‘ก๐˜ข๐‘›๐˜ค๐‘’๐˜ด.

๐—ก๐—˜๐—ช ๐— ๐—ข๐—ก๐—ง๐—›. ๐—ก๐—˜๐—ช ๐— ๐—˜. ๐—ก๐—˜๐—ช ๐— ๐—ข๐—ก๐—˜๐—ฌ ๐—›๐—”๐—•๐—œ๐—ง๐—ฆ.October is a fresh start, and your finances can have one too.You donโ€™t need to compl...
01/10/2026

๐—ก๐—˜๐—ช ๐— ๐—ข๐—ก๐—ง๐—›. ๐—ก๐—˜๐—ช ๐— ๐—˜. ๐—ก๐—˜๐—ช ๐— ๐—ข๐—ก๐—˜๐—ฌ ๐—›๐—”๐—•๐—œ๐—ง๐—ฆ.

October is a fresh start, and your finances can have one too.

You donโ€™t need to completely reinvent your life. Sometimes progress starts with one small change:

๐Ÿ’ธ Review your spending
๐ŸŒฑ Add a little more to savings
๐Ÿ“ˆ Start or increase an investment
๐Ÿงพ Check your debit orders and subscriptions
๐Ÿ›ก๏ธ Make sure your cover still suits your life

Small changes made consistently can have a big impact over time.

๐—ก๐—ฒ๐˜„ ๐—บ๐—ผ๐—ป๐˜๐—ต. ๐—™๐—ฟ๐—ฒ๐˜€๐—ต ๐—ณ๐—ผ๐—ฐ๐˜‚๐˜€. ๐—•๐—ฒ๐˜๐˜๐—ฒ๐—ฟ ๐—ณ๐—ถ๐—ป๐—ฎ๐—ป๐—ฐ๐—ถ๐—ฎ๐—น ๐—ต๐—ฎ๐—ฏ๐—ถ๐˜๐˜€.

Letโ€™s make October count.
๐Ÿ“ง [email protected]
๐Ÿ“ž 011 675 3671

30/09/2026

๐—•๐—ฒ๐—ณ๐—ผ๐—ฟ๐—ฒ ๐—ฆ๐—ฒ๐—ฝ๐˜๐—ฒ๐—บ๐—ฏ๐—ฒ๐—ฟ ๐—˜๐—ป๐—ฑ๐˜€โ€ฆ

Ask yourself:

What worked well this month?
Where did I overspend?
Did I save or invest something?
Is there one financial habit I want to carry into October?

You donโ€™t need a perfect month to make progress.

Sometimes the best financial reset is simply knowing what to do differently next month.

๐—™๐—ถ๐—ป๐—ถ๐˜€๐—ต ๐—ฆ๐—ฒ๐—ฝ๐˜๐—ฒ๐—บ๐—ฏ๐—ฒ๐—ฟ ๐˜„๐—ถ๐˜๐—ต ๐—ฐ๐—น๐—ฎ๐—ฟ๐—ถ๐˜๐˜†. ๐—ฆ๐˜๐—ฎ๐—ฟ๐˜ ๐—ข๐—ฐ๐˜๐—ผ๐—ฏ๐—ฒ๐—ฟ ๐˜„๐—ถ๐˜๐—ต ๐—ถ๐—ป๐˜๐—ฒ๐—ป๐˜๐—ถ๐—ผ๐—ป.

๐˜๐จ๐ฎ๐ซ ๐Ÿ๐ฎ๐ญ๐ฎ๐ซ๐ž ๐ฌ๐ž๐ฅ๐Ÿ ๐œ๐š๐ฅ๐ฅ๐ž๐. ๐’๐ก๐ž ๐ฌ๐š๐ข๐ ๐ฌ๐ญ๐š๐ซ๐ญ ๐ข๐ง๐ฏ๐ž๐ฌ๐ญ๐ข๐ง๐ .You donโ€™t have to start big. You just have to start.๐‹๐ž๐ญโ€™๐ฌ ๐ญ๐š๐ฅ๐ค ๐š๐›๐จ๐ฎ๐ญ ๐ฒ...
29/09/2026

๐˜๐จ๐ฎ๐ซ ๐Ÿ๐ฎ๐ญ๐ฎ๐ซ๐ž ๐ฌ๐ž๐ฅ๐Ÿ ๐œ๐š๐ฅ๐ฅ๐ž๐. ๐’๐ก๐ž ๐ฌ๐š๐ข๐ ๐ฌ๐ญ๐š๐ซ๐ญ ๐ข๐ง๐ฏ๐ž๐ฌ๐ญ๐ข๐ง๐ .

You donโ€™t have to start big. You just have to start.

๐‹๐ž๐ญโ€™๐ฌ ๐ญ๐š๐ฅ๐ค ๐š๐›๐จ๐ฎ๐ญ ๐ฒ๐จ๐ฎ๐ซ ๐Ÿ๐ข๐ง๐š๐ง๐œ๐ข๐š๐ฅ ๐ ๐จ๐š๐ฅ๐ฌ. ๐†๐ž๐ญ ๐ข๐ง ๐ญ๐จ๐ฎ๐œ๐ก ๐ญ๐จ๐๐š๐ฒ ๐š๐ง๐ ๐ฌ๐ž๐ž ๐ก๐จ๐ฐ ๐–๐ž๐š๐ฅ๐ญ๐ก ๐‚๐ซ๐š๐Ÿ๐ญ ๐œ๐š๐ง ๐ก๐ž๐ฅ๐ฉ ๐ฒ๐จ๐ฎ ๐ฉ๐ฅ๐š๐ง ๐Ÿ๐จ๐ซ ๐ฐ๐ก๐š๐ญโ€™๐ฌ ๐ง๐ž๐ฑ๐ญ.

๐Ÿ“ง [email protected]
๐Ÿ“ž 011 675 3671

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