Beplanning onderwerpe
Following the recent nationwide crackdown by the National Credit Regulator (NCR) and the South African Police Service (SAPS) on illegal microlenders, or “mashonisas”1, South Africans are being urged to think twice before borrowing money, particularly from those that are unregistered. It's…
Remote job opportunities are once again on the rise in South Africa, following a 13% drop in remote vacancies during 2023 and 2024. Pnet’s Job Market Trends Report for October 2025 shows that the share of remote vacancies climbed by a small but significant 0.5 percentage points between…
In recent weeks, a number of taxpayers have reported receiving “final demand” letters that appear to come from the South African Revenue Service (Sars). While some of these are legitimate notices requiring urgent attention, others are fraudulent attempts to elicit payment or to access …
With just two salaries left before the festive season, many South Africans are heading into crunch time and a period that decides whether January feels calm or chaotic. This is the perfect moment to take small, intentional steps that can make a big difference in the months ahead.It’s tempting to…
A lack of money doesn't just adversely affect your ability to spoil yourself, such as a dinner out, or pay bills, it also eats into your mental well-being and can be the cause of depression so great that people sometimes kill themselves.1Life recently ran a poll that revealed just how serious this…
South Africa’s removal from the greylist should make banking cheaper for ordinary South Africans because there is no longer the taint of being found to have deficiencies in anti-money laundering controls.In a statement, Business for South Africa (B4SA) welcomed the news that South Africa has been…
Consumers might be cutting back but they are finding clever ways to make their money work harder through loyalty and rewards programmesThere’s a rewards card for almost every shop, but you need to be clever as to how you use them to get the maximum benefit.I’m careful to plan my shopping trips so…
South Africa has one of the highest divorce rates on the continent, with Stats SA reporting that about 40% of marriages end before their 10th anniversary. After a divorce, people typically enter into new partnerships, often bringing with them children from a previous marriage. It’s in these “…
How do I protect my investments during currency fluctuations? Jac De Wet, Wealth Manager, PSG Wealth, Somerset WestThe simple answer is to diversify your portfolio across multiple economies (and currencies). Currency fluctuations are an unavoidable part of investing, especially in a country like…
In the world of personal finance in South Africa, we are concerned about making ends meet. We need bread on the table, we need to save as much as we can, and one of our highest priorities is to ensure that our children will be better off than us. Saving is extremely difficult, but it helps to make…
Let’s talk straight: life in South Africa is financially brutal right now. Food prices are climbing, electricity is unpredictable, and jobs are scarce. For many, the pressure is relentless. So when gambling flashes its neon promises, quick wins, instant cash, a way out, it’s tempting. But here’s…
South African investors are increasingly recognising that traditional investment approaches alone may no longer deliver the returns and stability needed in today's complex markets. This shift has driven significant growth in structured products and alternative investments, with wealthy individuals…
For years, I’ve maintained that tax disputes do not sit comfortably within the accounting profession. The latest wave of Sars (South African Revenue Services) enforcement proves exactly why.Tax has become more legal than numerical. The days when an accountant could file an objection by simply…
Young South Africans are feeling the financial squeeze more sharply than generations before them. With youth unemployment at 62.4% among those aged 18 to 24, saving often feels like a distant goal rather than an achievable habit for the current generation. In fact, the latest …
“In terms of the Tax Administration Act, the accused is obliged to submit tax returns for assessment by a specific return date. The accused failed to submit 4 Personal Income Tax returns. Now, therefore, the accused is guilty on 4 counts of failure to submit a Personal Income…
Artificial intelligence (AI) is rapidly transforming the financial services industry, bringing both extraordinary opportunity and pressing ethical questions to the forefront. From fraud detection to personalised financial planning, this technology promises sharper insights, faster decision-making,…
Meta, as part of its ongoing global anti-scam awareness campaign, has shared the latest trends in scams targeting older adults, new safety tools, and tips for how to spot and avoid scammers online.Since the start of the year, Meta has detected and disrupted close to 8 million accounts on Facebook…
In an environment of cooling food price increases, South Africa’s headline inflation still ticked up in September – coming in exactly in line with economists’ expectations.Food prices, which have been a key driver of inflation in recent months, showed signs of easing, helping to temper overall…
The courts recently caused significant uncertainty and anxiety regarding trustee decision-making. Since 2023, they have fluctuated between requiring all trustees to approve and sign trustee resolutions for transactions with third parties and recognising that a trust deed can specify the number of…
Many South Africans living abroad do not realise that outdated contact information, such as old mobile numbers or inactive email addresses on the South African Revenue Service (Sars) system, can block access to their eFiling profile, often with serious consequences.Without access, you risk missing…