We are fast-approaching the end of 2018 – it has been a tough year for most of us and we are all looking forward to a well-deserved break.
With holidays come extra expenses such as gifts, higher fuel bills, festive food and entertainment; and for those of us who have children – school uniforms and stationery. The new sugar tax means that those favourite chocolates, candy canes, cold drinks, mince pies and cookies will cost you more this year.
If you happen to receive a bonus, be careful and wise. Make the extra money work in your favour and reward yourself by ensuring that you allocate it wisely.
Instead of splurging on luxury items and blowing it all in one go, first consider these options:
Please contact FPM Risk and Wealth Management (Pty) Ltd to assist you with financial planning and setting your financial goals for 2019.
Gemma de Luca
This article is a general information sheet and should not be used or relied on as professional advice. No liability can be accepted for any errors or omissions nor for any loss or damage arising from reliance upon any information herein. Always contact your financial adviser for specific and detailed advice. Errors and omissions excepted. (E&OE)