Royal Square Financial would like to wish the women in our lives a very happy Women’s Month this August. Thank you for your strength, determination and tenacity.
In this Newsletter:
- Financial security for women
- Saving tips that won’t alter your standard of living
- Steps to protect your property during loadshedding
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Financial Security for Women
Here are five suggestions on how you can secure your financial wellbeing:
1. Increase your Income
Benefit from an extra income by working overtime or doing freelance work. The extra income can be put towards paying off debt and later placed in a savings account to ensure your wealth increases.
2. Get Risk Life Insurance
Consult a qualified financial advisor to help you analyse your financial goals and help you to set up risk and life insurance in the event of disability or premature death. You can ask your company’s retirement fund whether or not they have group risk cover. Insurance against death and disability should be a priority.
3. Save for Emergencies
Set up an emergency fund to cover emergency expenses such as vet bills, insurance excess claims. Foreseeable expenses should be covered by medium-to long-term savings. For longer term savings, tax-free savings accounts are ideal. These accounts allow for investments of up to R30 000 a year and up to R500 000 in a lifetime with no tax on interest.
4. Get involved with the financial planning in your marriage
If your spouse were to die or become disabled, would you still have medical aid cover? Become an active participant in the financial planning of your marriage and contribute towards your own disability- and life cover options.
Saving Tips That Won’t Alter Your Standard of Living
National Savings month was implemented in July in order to motivate South Africans to save more, however a lot of people argue that saving decreases their standard of living. This doesn’t have to be the case. Here are a few tips on saving that won’t alter your standard of living:
- Monitor bank fees and change over to an account with lower banking costs.
- Rethink your insurance options and get quotes on several different types of insurance before committing – a financial advisor will be able to afford you excellent advice in this field.
- Cook your food at home instead of buying takeaways and pre-packaged food, not only is it healthier cutting out preservatives but food can also be frozen and heated up when there’s not enough time to cook.
- Have a water filter installed into your kitchen tap instead of buying bottled water.
- Cancel all memberships and subscriptions that you haven’t made use of in the last three months.
- Pack lunch for work instead of buying premade lunches from your canteen or shops nearby.
- Use call applications such as WhatsApp call and Skype instead of using normal mobile rates when calling.
- Switch off appliances that you don’t use.
- Only consume fruits and vegetables that are in season – avoid imported fruits and vegetables.
- Plan the amount of times you will use your ATM card each month and only withdraw the exact amount you need.
5 Steps to Protect Your Property During Loadshedding
- Take special precautions when leaving and returning home as to avoid opportunists hiding in darkness during loadshedding.
- Alternative exits to your home in the case where electric security gates and garage doors don’t function due to loadshedding.
- Alternative light sources such as LED lights, solar lighting and camping lights don’t hold the dangers that paraffin lamps and candles do.
- Have generators installed professionally, test your generator regularly, don’t keep more than 20 litres of fuel in your house and remember to keep a 4.5 kg fire extinguisher nearby.
- Surge protectors for your mains board and surge protector plug adaptors can protect your electrical appliances. These are available at your local hardware store and should be installed by an electrician.
