Christel Troskie - Sanlam Financial Adviser, Pretoria East

https://www.sanlamadvice.co.za/bluestar/indwe/campaigns/introducing-the-sanlam-legacy-plan/13038921523880?utm_campaign=depemailcomms-slp

Introducing the Sanlam Legacy Plan | Indwe MO Business | Sanlam Financial Planners Johannesburg Your legacy is as important to us as it is to you, and a key aspect of that is having your last will and testament in place. Sanlam Legacy will help draft your will, allow you to make unlimited amendments, before collecting your will for safekeeping, all at no cost to you.

Let's talk about wills and the sanlam legacy protector plan

Do you understand the 2pot system? See this quick read to get informed!

What Is the Two Pot Retirement System | Indwe MO Business | Sanlam Financial Planners Johannesburg The government is introducing the new Two-pot system because many South Africans are struggling financially and occasionally need access to money during emergencies.

Your trusted partner Partner with Glacier

Do your homework and don't believe everything you read.

Will You Really Be Saving Money on Black Friday | Authorised Principal | Indwe MO Business | Johannesburg Interest rates, laybys, and navigating the distractions – here’s everything you need for the biggest shopping day of the year, with a little help from Farzana Botha, Manager: Segment Solutions, Retail Affluent: Recurring Savings.

Make your smart move

Live a life of confidence We can help

Now is NOW! Secure your family’s financial future with Sanlam Essential Care. Get an affordable funeral plan from R56 per month, or life cover of up to R2 million today.

How true

Save for tomorrow Live with confidence

Use this Wills month to plan ahead.

www.sanlamadvice.co.za

We celebrate women!

Lets celebrate being women!

🎉

Wishing all the strong and inspiring women out there a fantastic August!

Let's break barriers and build a brighter, financially sound future together! 🚀💃

💙
Indwe BlueStar
📞+27 11 831 8000
📧[email protected]
🏠Constantia Park, 1st Floor Eduloan Building, c/o 14th Ave and Hendrik Potgieter Rd, Constantia Kloof, Gauteng, South Africa, 2191

Where there's a will there's a way

Change your plan, but not your goal. Speak to me..

LET THE FOCUS BE ON THE GOAL.

Contact Indwe BlueStar to get a quote for valuable financial planning advice:
Tel: 011 831 8011
Email: [email protected]
Web: www.indwebluestar.co.za

🥇🏆📈

Let's be smart about this

Let's keep it going.

Generational wealth means making smart choices with our money in a way that gives the next generation a stronger financial footing. While this may not seem simple to achieve, it is not impossible.

Here is how some of the small, but powerful, actions may help get you ahead. https://www.sanlamadvice.co.za/bluestar/Indwe/blogs/building-generational-wealth



💙 Indwe BlueStar
📞+27 11 831 8000
📧[email protected]
🏠Constantia Park, 1st Floor Eduloan Building, c/o 14th Ave and Hendrik Potgieter Rd, Constantia Kloof, Gauteng, South Africa, 2191

We’re excited to announce our co-sponsorship of the Shaka iLembe series. An extraordinary showcase of South Africa’s rich heritage and culture.

Dis versekerings bewustheid dag! 'n Ietsie in Afrikaans! Versekering is a noodlyn 'lifeline' vir jou finansies, 'n manier om weer op die been te kom sou die noodlot jou tref.

Happy youth month!

🌟 Happy International Children's Day! 🌟
We believe in empowering our children with knowledge and skills to make wise financial decisions in future.

Here are some tips:
1️⃣ Teach saving habits;
2️⃣ Foster budgeting skills;
3️⃣ Introduce them to investing;
4️⃣ Lead by example.

Together, we can shape a brighter financial future for our children!

We’ve also shared more tips on our blog about what you can teach your little ones about money -

https://www.sanlamadvice.co.za/bluestar/Indwe/blogs/what-parents-should-be-teaching-children-about-money

How to budget if you're living pay cheque to pay cheque

Tip #1: FOCUS ON DEBT 👆

When you save, you're giving yourself financial freedom. When you take out credit, you're borrowing from your future self – and potentially delaying that financial freedom in the process. Ideally, 30% of income should be spent on financial goals, inclusive of servicing existing debt.

"Pay more than the minimum" 💰💰💰

As tempting as it may be, avoid paying the bare minimum instalments to eliminate debt.

"Avoid debt re-advancement – if you can" 🚫🔒🚫🔒🚫🔒
Often, people access the cash they've already paid towards their loan via a re-advance facility, which most credit providers offer.

This means the debt just gets further extended.

That said, it could make sense to make a re-advancement on a home loan, an example of responsible credit if it can help you eliminate something like a store card or personal loan.

Discuss your options with a financial planner at Indwe BlueStar / +27 11 831 8000, who will be able to assist in making the decision best suited to your financial situation.
https://www.sanlamadvice.co.za/bluestar/Indwe/contact-us/

❗️❗️❗️ "Understand your agreements"

Common among motor vehicle finance options, a balloon payment is a lump sum you need to pay at the end of the finance term and is much larger than all the payments you would've made before it.

Often car owners aren't prepared for this payment and thus refinance it when it becomes payable, thereby extending the credit term.

Alternatively, people opt to purchase a new vehicle via finance and include the previous balloon payment into the new credit agreement (i.e., increasing the capital debt).

This continues the debt cycle and delays your financial freedom for another finance term.

TO AVOID THIS, make sure you understand the terms of any finance agreement you enter into and budget to save towards a lump sum to avoid any nasty surprises.

🎯 "Target high-interest debt first"

If you have multiple debts, there is a smart way to eliminate them and transform your budget into one that helps grow your wealth.

List all the institutions to which you owe money, and alongside it, the capital balance owing and the rate of interest that is charged on the debt. 💳

Then look to increase contributions towards the institution that is charging the highest interest rate – thereby reducing the capital debt and loan term sooner than the initial contract.

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