Personal Finance and Travel

My personal finance and travel publications

Buying a House – A Breakdown of the Costs

Note: This article was originally published on Zonotho, a financial education start-up, in August 2020 Author’s Note: This article is written considering taxes and regulations in South Africa. For many people, buying a property is an emotional decision. They look at the living room and imagine laughing with their friends and they look outside and …

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What are “negative” interest rates?

The other day my mum asked me to explain negative interest rates. I realized I had no easy way to do this. It’s such a wacky concept: why would interests ever be negative? Under normal conditions, they wouldn’t. Which is why it’s easier to start with understanding positive interest rates.

Investing in the Stock Market – The Basics

There are many reasons why people invest in the stock market. Some want to make millions overnight (unlikely!). Whilst others may want to invest in businesses that will grow over time. If you have any kind of retirement savings or pension you probably own stocks already. In this article, we’ll go through the absolute basics of what you need to know to get started.

How to prepare for financial emergencies

We’ve all had that bad month. When you’re counting the hours to payday and living off the meal plan of a large squirrel and then BANG! Your car breaks down. Or a family member gets sick. Or your microwave explodes. Or all three. It’s at times like these that South Africans sigh and say: “put it on my credit card”.

The Problem With Millennials

Note: This article was originally published in FA News, a financial industry magazine, in February 2019. I was asked to write about millennials and their savings habits, the premise being that “millennial are too short-sighted to save”. As a millennial myself, I attacked this narrative. Not quite what the editors were expecting. The irony is …

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