I recently found an article that categorizes you based on your income. According to this, I form part of the middle-class. I decided to investigate what the middle class South Africans are spending their money on. Then to compare my budget over the last 3 months to each item, to identify areas where I am …
When you don’t need to submit your tax return With the deadline for tax submissions approaching fast, everyone is scrambling to submit their tax returns. Not everyone is required to file their tax return, but today I want to convince you to do it anyway. According to the South African Revenue Service (SARS) you do …
My savings rate We all make money from different sources. Most of us are simply earning a salary. A few of us have our own companies from which we also draw a salary. The lucky few, even have their own companies that earn money without their presence. That’s the dream. Irrespective of where your money …
The cellphone cost cycle Every second year, like clockwork, we renew our phone contracts. We go in with a preconceived idea of which phone we want and just renew the contract. Two minutes later, you have your brand-new cell phone. You rush home to charge it, so you can transfer all your contacts and install …
The future cost impact I want to retire early to travel the world. Yes, I know, you can’t go anywhere without someone telling you they plan to retire early. I’m not giving myself an age that I want to retire. I’m still enjoying my job and will continue working as long as I do. Eventually …