Should You Pay Off Your Home Loan?

Good reasons to pay off your home loan The most compelling reason to accelerate the payment of your home loan is the savings you’ll make on the interest component of the repayments. South African mortgage rates are currently high, with the average rate at approximately 10%. Depending on the value of your home, the interest […]

A Good Budget Doesn’t Limit Spending, it Prioritises it

“Many folks think they aren’t good at earning money, when what they don’t know is how to use it.” (Frank A. Clark) If you have done any reading on budgeting, you have almost certainly come across the problem of the morning cappuccino. It’s that old piece of advice that points out that if you simply […]

The Ins and Outs of Buying Offshore Property

Many South Africans are tempted by the prospect of investing in property overseas. Earning a rental income in foreign currency is seriously appealing. It may also be reassuring to know you’ve got somewhere else to live if it ever comes to that. But it’s essential to understand that you don’t immediately have residential rights in […]

The Difference Between Being Rich and Being Wealthy

“Wealth consists not in having great possessions, but in having few wants.” (Epictetus) For many people, being “rich” and being “wealthy” sound like the same thing. But more and more these are being seen as different concepts. To be rich implies having a high income. Usually, however, it also means having a high level of […]

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