Debt Counselling Is Not the End of the Road (or the World)

South African consumers are facing significant financial pressure amid a perfect storm of rising interest rates and inflation, driven by higher fuel, municipal tariffs, electricity, and insurance costs. In late May 2026, the Monetary Policy Committee (MPC) increased the repo rate by 25 basis points to 7% after three years of rate cuts. Consequently, commercial […]

Practical Habits for Building Long-Term Wealth

Many people associate wealth with high earnings, successful investments, or owning valuable assets. While these deliver a significant advantage, wealth is usually built much earlier in simpler ways by carefully managing income before it is spent. A person can earn well and remain financially vulnerable if expenses rise too quickly, debt is poorly managed, or […]

“Can’t Buy Me Love” (Money and Relationships)

Money may not be able to buy you love, but it sure can make or break it! Money can be a source of joy, opportunity, and growth, but in relationships, it can also be a source of stress and conflict. Financial disagreements are one of the leading causes of tension in relationships, often stemming from […]

The Gap Year: Adolescent Indulgence or a Valuable Life Experience?

Taking a year off after school may not put your child in the ‘pound seats’, but it could provide valuable life lessons. It seems like just yesterday your little darlings were in diapers. Now they’re finishing high school and talking about spending the next year overseas in order to “discover” themselves. Being the sensible parent […]

A Couple’s Guide to Managing Your Finances

Seven simple tips for positively managing your finances together with your partner. The subject of ‘finances’ may seem as though it’s the antithesis of romance, since we all know that financial problems can act to the detriment of relationships However, working to manage your finances effectively together is often vital to building and maintaining a […]

When to Re-Evaluate Your Investment

Market turmoil is not the signal to adjust your investment strategy. When markets are volatile, investors would be forgiven for wanting to make portfolio changes as a way of trying to stay in control. However, we would caution against altering your investment strategy or its execution—unless it was incorrect at the outset, or your personal […]

The Dangers of Single-Spouse Financial Planning

The ability of families and retired couples to plan effectively to protect their financial future can be hampered when just one person is entirely responsible for all financial matters. Our team routinely consults with clients who are surprised—or even bewildered—when they find themselves to be the surviving spouse following a partner’s death. Particularly with the […]

Build Your Emergency Safety Net Fund Today

Ask any trapeze artist, and they’ll tell you that a safety net is a non-negotiable part of flying high. While few of us are circus performers, an emergency savings fund is still one of the most important requirements for our peace of mind and financial stability. Life has a way of throwing curveballs.  Whether it’s […]

Struggling to Make Ends Meet at Varsity?

South African universities recently opened for the first term of the year—but for many students, money worries have overshadowed the excitement of returning to campus. Education costs typically increase at a higher rate than general inflation, and affordability is a major issue for most students. The average cost of a South African university education could […]

Why Honesty Is the Best Policy When Dealing with Your Financial Advisor

The foundation of any relationship with a financial advisor is built on trust and transparency. Clients are expected to share intimate details about their financial lives, similar to how one would discuss health issues with a doctor. This level of openness ensures that advisors can provide tailored advice that accurately reflects the client’s financial health […]