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Financial planning, Personal May 19, 2014

The advantages of a spending plan.

Most of us do not make use of a disciplined spending plan. The availability of credit allows us to purchase what we want, when we want it – regardless of whether we can afford it or not. Read more to learn about the benefits of using a spending plan.  Here are some advantages of using a spending plan: 1. Financial stress reduction. A disciplined spending plan allows you to control your spending and debt. This relieves a great deal of financially-related stress 2. Saving. A spending plan makes saving simple, encouraging you to save on a regular basis. This not only provides you with a financial cushion to cover any emergency situations that may arise, but also sets you up for a com...

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Financial planning, Savings and Investments April 9, 2014

5 Major ways to save money.

There are two main roads to improving your personal finances: increasing income, and cutting costs.   There are two main roads to improving your personal finances: increasing income, and cutting costs. Increasing income is the harder road to travel. After all, you can't always get a raise or a new job when you need one. But cutting costs, that's a different story! You're in complete control in this area. And all it takes is some imagination and discipline – both of which are free.   Below are five major ways to save money in the basic areas of food, shelter, clothing and transportation. They're major expenses in your life – and places for major savings.   ...

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Lifestyle, Must Reads, Travel January 21, 2015

Explore the Winelands

From chocolate tasting to mountain-biking and historical museums, the Western Cape wineries are expanding their offerings to keep all  visitors happy. Here are four top wine farms that have that something extra. SOLMS-DELTA Franschhoek On the R45 into Franschhoek, Solms-Delta is a bit of something special. Here, the people who work on the farm and make the wine are just as important as the fruits of their labour. The Museum van de Caab is the first building you see when you arrive – it tells the 320-year social history of the estate, and has a special stone-plaque wall dedicated to t...

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Must Reads, Wellness January 16, 2015

Gym for beginners

Keep putting off joining the gym…? Here are our top tips to make it happen. You know it’s January when… the gym is humming with frantic exercise bunnies, there’s a queue for the spinning class, and glum faces are glaring angrily at the locker-room scale. If you’re an existing member, this is par for the, er, treadmill. But if you’ve just signed up, it can be intimidating. A milling lycra-clad army, machines resembling a medieval torture chamber, confusion about pool etiquette (do I really have to share my lane?!)… Don’t let that put you off, though. Seize the New Year...

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