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General Finances

General finances – Resource allocation, that is, the process, markets, institutions, and instruments that facilitate the transfer of money and wealth

General Finances

Dread disease cover in South Africa

Do I need dread disease policy? Some people like having dead disease cover in place for in case something terrible happens to them. Imagine you find you, a 45 year old male,  have a severe case of marlaria of the ovaries. As an extra bonus this evolved into a case Read more…

By Frugal Local, 6 months8 months ago
Fees and costs

Do I need a financial adviser?

Who needs a financial adviser? According to a recent survey by the Financial Planning Institute (FPI) of Southern Africa, the reasons why consumers are wary to pursue financial planning are 70% because of lack of trust, 62% of affordability and 55% because they do not know where to start. – Read more…

By Frugal Local, 7 months9 months ago
Budget

How to manage money in a relationship

Money and Relationships Relationships are important. So is money. Have you ever seen a couple fight about money? Well, me neither. It’s something we hear about but never see. People are scared when it comes to fighting in public and arguing about money, yet behind closed doors, we know very Read more…

By Frugal Local, 8 months9 months ago
Budget

Money boundaries for relationships and financial advisers

How we work So, your mom invites you over and asks you to help her with her PC – she needs someone to update Windows for her. She’s willing to cook you your favourite food and make the time special in return for your help. Now imagine your mom offered Read more…

By Frugal Local, 9 months8 months ago
Fees and costs

Choosing a bank account in South Africa

Cheque or savings? A bank account is like your wallet – if you don’t have one, it’s the end of the world and you will die. We all know that some transactional accounts are better than others.  Most of the time moving to another bank is not an option – Read more…

By Frugal Local, 9 months9 months ago
General Finances

Bear market – should I buy, sell or hold?

Bear market – sell off or stock up? We all know that the financial industry likes to throw big terms around (such as naming the market a bear or bull market). Yet, it’s vital in understanding what these terms mean. When the market is falling and it seems that everyone Read more…

By Frugal Local, 9 months9 months ago
Debt

What is compound and simple interest?

Interest: simple and compoundingly complicated “Compound interest is the eighth wonder of the world. He who understands it earns it … he who doesn’t … pays it– Albert Einstein In recent years we’ve had many financial institutions promising returns of up to 13.5% p.a. interest in their advertisements. Sadly, we Read more…

By Frugal Local, 9 months1 month ago
General Finances

The Tax free savings account (TFSA)

Tax free?! The glorious tax free savings account (TFSA) has been in effect since 31 March 2015 in South Africa and has made the hearts of savers and individual investors all warm and fuzzy.  Yes. The government decided in one glorious move to give away free money in the form Read more…

By Frugal Local, 9 months1 week ago
General Finances

Active and passive income streams

People want money I recently spoke to someone on Twitter who confronted his financial advisor about the exceptionally high commission on their entire fund value. The FA eventually just shrugged and said: “Well, we all need to live!”. This is true – we all need to live. And we need Read more…

By Frugal Local, 11 months12 months ago
General Finances

Day trading forex and crypto – a warning and an introduction

Don’t you love a good success story? I have this awesome friend who wanted to get me involved in a group that day-traded forex. The good thing was that I didn’t have to put down any money and I could just learn from them and observe what they were doing Read more…

By Frugal Local, 1 year1 year ago

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