{"id":1157,"date":"2016-01-11T14:17:57","date_gmt":"2016-01-11T12:17:57","guid":{"rendered":"http:\/\/richideas.co.za\/?p=1157"},"modified":"2017-09-21T12:35:05","modified_gmt":"2017-09-21T10:35:05","slug":"5-financial-reflections-for-2016","status":"publish","type":"post","link":"https:\/\/contattolive.co.za\/north\/5-financial-reflections-for-2016\/","title":{"rendered":"5 Financial Reflections for 2016"},"content":{"rendered":"

It\u2019s that familiar time of year when you envision a \u201cnew you\u201d and foster a compelling motivation for self-improvement. However, the year always seems to form into an uphill race and once you return to the daily grind it becomes easier to allow yourself to slip-up in your devotions.<\/p>\n

Reflecting on areas where you have encountered difficulties in the past helps to forge a firmer future. Here are five of my 10 financial reflections for 2016:<\/p>\n

There\u2019s little point in paying off your debts if you keep making new ones<\/strong>
Just because you have a job and qualify for a massive overdraft or credit card limit doesn\u2019t mean you must use it. Also be sure to open all of your statements. Query charges and debit orders if you don\u2019t understand what they are, you need to know what\u2019s going on in your accounts.<\/p>\n

Accept that you aren\u2019t entitled to a certain standard of living<\/strong>
People like to make assumptions about what they deserve in life. It may be due to their qualifications, how they grew up or purely because of what they have become accustomed to. There is a general opinion that South Africa is in for a difficult year, don\u2019t make harsh sacrifices to maintain your comfort zone. Adjust your lifestyle to match your income and encourage yourself to be grateful every day.<\/p>\n

An allowance will help your kids appreciate their finances<\/strong>
If kids come and ask you every time they want something, your life becomes a permanent financial tug-of-war. Give them a reasonable fixed allowance that will cover their expenses. That way you can budget more carefully; and so can they.<\/p>\n

They get to learn what\u2019s important to them and how they want to spend their money. Stand firm with this and if they can\u2019t afford it, they will learn to save and wait.<\/p>\n

Stick to a budget that is realistic<\/strong>
You will most likely have to adjust your budget as the year progresses; prices increase and new expenses will be added to the list. Keep a record of what you spend and review it at the end of each month, looking for areas where you could be spending less.<\/p>\n

An emergency saving fund will spare you a lot of anxiety<\/strong>
It can be difficult to get together, but even one month\u2019s salary can make a huge difference in an emergency. If your cell phone gets stolen or you need to visit a sick relative this squirrel fund will ease your stresses and allow you to focus on the problem at hand.<\/p>\n

Be sure to check back next week for Another 5 Financial Reflections for 2016.<\/p>\n

In need of financial advice? I can help you out. Let\u2019s get in touch!<\/p>\n

Source: fin24<\/a><\/p>\n<\/div><\/div><\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":"

It\u2019s that familiar time of year when you envision a \u201cnew you\u201d and foster a compelling motivation for self-improvement. However, the year always seems to form into an uphill race and once you return to the daily grind it becomes easier to allow yourself to slip-up in your devotions.Reflecting on areas where you have encountered difficulties in the past helps to forge a firmer future. Here are five of my 10 financial reflections for 2016:There\u2019s little […]<\/p>\n","protected":false},"author":1,"featured_media":1158,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12,13,14],"tags":[],"class_list":["post-1157","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-financial-planning","category-tips"],"yoast_head":"\n5 Financial Reflections for 2016 - Contatto North<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/contattolive.co.za\/north\/5-financial-reflections-for-2016\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"5 Financial Reflections for 2016 - Contatto North\" \/>\n<meta property=\"og:description\" content=\"It\u2019s that familiar time of year when you envision a \u201cnew you\u201d and foster a compelling motivation for self-improvement. 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