Navegar nas Águas Financeiras Após os 45: Um Guia para Gerir o Dinheiro com Inteligência e Garantir um Futuro Seguro

À medida que entramos na segunda metade da vida, o planeamento financeiro torna-se essencial. Com a reforma a aproximar-se e os custos de saúde a aumentar, é fundamental adotar hábitos financeiros sólidos para proteger o seu futuro. Neste artigo, exploramos aspetos-chave do planeamento financeiro após os 45 anos para garantir uma reforma segura e confortável.

O Dia dos Namorados é uma data de romance, chocolates, flores… e, por vezes, uma fatura pesada no cartão de crédito. Expressar o seu amor é importante, mas isso não significa que tenha de esvaziar a carteira. Este ano, demonstre o seu carinho com gestos pensados e significativos que não comprometam as suas finanças.

Sente vergonha do seu dinheiro? Encontrei este artigo sobre mentalidade de riqueza muito interessante e quis partilhá-lo.

Identificar os bloqueios mentais que o impedem de pedir ajuda é o primeiro passo para superá-los.

O que é o loud budgeting?

O loud budgeting, um conceito relativamente novo em finanças pessoais, é um método que envolve partilhar abertamente informações financeiras com outras pessoas. Isto pode incluir o seu rendimento, as suas despesas, objetivos de poupança e até o seu património líquido. Embora possa parecer contraintuitivo divulgar publicamente detalhes tão privados, os defensores desta prática argumentam que ela pode trazer benefícios significativos.

Iniciar e gerir uma pequena empresa pode ser uma jornada desafiadora. Com inúmeras decisões a tomar, obstáculos a superar e a necessidade constante de se adaptar às mudanças do mercado, ter a orientação certa pode fazer toda a diferença. É aqui que entra o coach empreendedor.

A Primavera Chegou: Hora de Renovar e Revitalizar as Suas Finanças!

Com as cores vibrantes da primavera a florescer por Moçambique, este é o momento ideal para avaliar a sua saúde financeira. Tal como faria uma limpeza profunda na sua casa, porque não aplicar a mesma abordagem às suas finanças? Um pequeno ajuste pode fazer uma grande diferença, ajudando-o a alcançar o bem-estar financeiro, reduzir o stress e preparar-se para o sucesso futuro.

Empoderar as Mulheres para Assumirem o Controlo das Suas Finanças neste Mês da Mulher

O Mês da Mulher é um momento para celebrar as conquistas, a resiliência e a força das mulheres em todo o mundo. Também é uma oportunidade para refletir sobre os desafios únicos que as mulheres enfrentam, especialmente na gestão financeira. Apesar dos avanços na igualdade de género, muitas ainda enfrentam obstáculos que dificultam a sua independência e segurança financeira. Na Money Savvy, acreditamos que a educação financeira é essencial para superar esses desafios e garantir o bem-estar financeiro a longo prazo.

0 Benefícios do Coaching Financeiro Individual no Atual Clima Económico Desafiante

Num cenário marcado pelo aumento do custo de vida e salários estagnados, alcançar estabilidade e prosperidade financeira tornou-se um desafio para muitas pessoas. Neste contexto, o coaching financeiro personalizado surge como uma solução essencial, oferecendo orientação e apoio adaptados à realidade financeira de cada indivíduo. Vamos explorar os dez principais benefícios do coaching financeiro individual e porque é indispensável no mundo de hoje.

Saving and investing are two crucial financial skills that can have a major impact on one's financial well-being. While both concepts are often used interchangeably, they are distinct in nature. Saving refers to the act of setting aside money for future use, while investing is the act of putting your money to work in order to generate more money. In this blog post, we will discuss the importance of saving and investing, and why both skills should be a part of everyone's financial toolkit.

Do you feel like you're stuck in a cycle of overspending and not having enough money to cover your bills? Are you ready to take control of your finances and achieve your long-term goals? If so, our 12 Budgeting Tips E-Book is exactly what you need!

12 Top Tips to Help You Understand Tax

How the Work-from-Home Culture Impacts Your Tax Return

The shift to a work-from-home culture due to the pandemic has brought up new questions about taxes, expenses, and deductions. In this article, we'll explore how the new work environment affects your tax return and what you need to know to stay on top of your taxes.

We have been through a tough 2 years emotionally and financially after the global epidemic that had us all scared and behind closed doors. In the months that followed South Africa was hit with flooding, riots and an ever increasing electricity crisis, throw in the war that started in 2021 and you will find a large number of working class people struggling to make it through each month.

Creating Money Savvy Kids for the future.

Ask any child what they want to be when they grow up and you will hear things like; “I want to be a doctor”, “I want to be a pilot”, “I want to travel the world” or “I want to save the whales”, but dreams cost money and if dreams cost money why are we teaching our children to live the life of their means and not live the life of their dreams?

Are you looking to start your own business, but finding that the process can be overwhelming? From sales, marketing, and operational teams to budgets and cash flow, there is quite a bit that goes into starting one’s own business.

The term “emergency fund” refers to money put away that people can use in times of financial distress. The purpose of the emergency fund is to improve financial security by creating a safety net to help cover unforeseeable, high-cost expenses which, in its absence, could have catastrophic effects on your financial situation.

If you are a working person in South Africa right now you are feeling the pinch of the 3 interest rate increases, the 7 petrol price increases, the Eskom increase of 9.61%, all your annual subscriptions have gone up the average 10%. Suddenly you have less disposable income. This tells me 1 thing. Your expenses have gone up and your income has remained the same.

If you don’t re look and re do your budget to cater for these additional expenses, you will very quickly start spending more than you earn. When you spend more than you earn you will get into debt very quickly.

You have started your first job. It’s the end of month one and you just received your first salary. I can see the look of glee on your face as you ponder on how best to spend your hard-earned cash. I see the thought bubbles “Apple watch”, “A new phone”, “New work wardrobe”. Stop!

You worked hard to earn that money, right? Why throw it away on purchases you don’t really need? You are probably thinking, “You sounds like my parents”.

The world has been thrown off its centre due to Covid-19 and the implications thereof. Our country is in a state of emergency and lockdown has resulted in jobs being lost, salaries being cut, personal finances being destroyed and an economy that is damaged. However, despite these circumstances we still have to find a way to manage our finances, take care of our families and ourselves and move forward.

Looking back to January this year, what do you wish you had done differently? For many people it comes down to finances. They wish they had saved more, built an emergency fund or possibly invested in a mask or hand sanitizer manufacturing company. I guess that is how we will always feel as human beings. We will always look back and wish we had known better and done better. Or could we do things differently?

Did you know that 70% of income earning South African’s are in debt? And with the arrival of the Coronavirus and downfall of our economy, what then about the financial freedom of our children?

Poor financial decisions can have a long-lasting impact on individuals, their families and society. The causes of the recent financial crisis are complex, but the lack of financial literacy is certainly one of the aggravating factors leading to ill-informed decisions on home loans and credit purchases. Low levels of financial literacy have also been associated with a lower standard of living, decreased psychological and physical well-being and greater reliance on government support.

We all know that life during COVID 19 is filled with countless unavoidable worries of the financial kind. Some may feel it more than others, but we all feel it non-the-less. We are losing our jobs, taking salary cuts and closing our once thriving business. Basically, we go into level 1 of survival mode when it comes to our finances due to the crunch we feel. Here are 5 Tips to get you to the next level of survival mode.