How to maximise your money in 2022

2022-01-12 05:30:00 PM

Eight tips to help you get it right.

Moneyweb, Financialplanning

Here are tips for getting the most value in eight areas where we commonly spend much of our income: Moneyweb FinancialPlanning

Eight tips to help you get it right.

This year has been a financial nightmare for many South Africans, with skyrocketing prices for fuel, food and electricity..January is considered the longest month on the calendar in terms of stretching your salary..

This trend is expected to continue into 2022, as retailers and others in the value chain pass on their business costs to consumers. Even if people retain their jobs and receive salary increases, these are unlikely to keep pace with the cost of living.     If most were faced with a choice between a conventional five-door or a slightly pumped-up, elevated compact with extroverted styling characteristics, the latter undoubtedly seems far more enticing. A snapshot of 2021 price hikes reveals: Now more than ever, it’s important to plan ahead and draw up a budget if you want to keep your head above water. There are different reasons that this might happen, we might be too optimistic regarding certain investments, we might not do thorough due diligence on the investments, or it may well be one of the thousands of new years resolutions that are already forgotten after the first paycheque has landed. Here are tips for getting the most value in eight areas where we commonly spend much of our income: Examining your finances now and putting some realistic goals in place for 2022 will help you prepare for the inevitable challenges that the new year will bring.     We found ourselves custodians of the Kia Sonet 1. If you have a financial advisor, this is a good time to set up an online meeting to review the year and make any necessary modifications. “So it's one more year where I'm all in on racing, where we'll do whatever it takes to compete at the highest level.

Shafeeka Anthony is marketing manager of JustMoney. It was a relationship that started on a good foot, since we had already tested the model earlier in 2021, coming away with sentiments that were largely positive. 1.co.za.5 EX automatic guise took the top spot in our September 2021 comparison test, beating the Volkswagen T-Cross and Suzuki Vitara Brezza. jQuery(document). You must also ask whether the institution’s attention is sufficiently focused on managing your portfolio vs their primary business, for instance, short-term and life insurance.on('click', 'a[href*="#to-comments"]', function (event) { event. Despite being of basic LX specification, it was quite impressive to note how much the model offers for the required outlay — a reasonable R285,995.com 500 at Talladega, and the 2021 Foxwoods Resort Casino 301 at Loudon.

preventDefault(); jQuery('html, body').animate({ scrollTop: jQuery(jQuery.   Rear styling takes cues from the Sportage. 2.attr(this, 'href')).offset(). That means no alloy wheels or shiny embellishments that glisten in sunlight.top }, 500); }); jQuery(document). Look at our homegrown Bitcoin Ponzi scheme Mirror Trading International that duped some 260 000 investors out of 23 000 Bitcoin.

ready(function () { jQuery('img[class*="wp-image-"]').     The interior experience of any vehicle is arguably more significant than outer aesthetics, since this is where time is mostly spent.bind('click', function () { jQuery(this.parentElement).     The first thing buyers will notice is the presence of an eight-inch digital interface with a decent screen resolution, complemented by features such as wireless charging  and wireless smartphone connectivity. A legitimate financial advisor should be able to do so easily by showing you the funds and the assets that they hold.lightBox({ imageLoading:"https://www.moneyweb. Add to that a reverse camera.

co. It makes sense to have short-term capital in these safer assets if you are saving for a short-term goal or have an investment horizon of less than 18 months.za/wp-content/themes/moneyweb-domination/images/spinner_moneyweb. The air-conditioning system is manual, with rotary controls for temperature and flow direction, while fan speed is adjusted by buttons.gif", imageBtnPrev:"https://www.moneyweb. It looks tidy overall. 4.co.

za/wp-content/themes/moneyweb-domination/images/bg_direction_nav. They also benefit from a centre foldable arm-rest.png", imageBtnNext:"https://www. The aim of TFSA’s is to encourage South Africans to save by offering a vehicle that can deliver long-term capital growth without sacrificing any gains to Sars.moneyweb. At the price point — and compared to certain rivals in the segment which err on the cheap, not cheerful side of things — the model appears to punch above its weight in terms of tactility and solidity.co.za/wp-content/themes/moneyweb-domination/images/bg_direction_nav. To drive, the Sonet relays a planted sense in real-world conditions, including on waterlogged roads. These funds have shown much higher returns in the region of 10% and more.

png", }) }); function getSelectedText() { if (window.getSelection) { var range=window.   An interior that puts rivals at this price in the shade.getSelection(); return range. One of the big selling points is that they offer ‘tax-efficient investing’ because of the monthly rebate, but they also come with limitations that you need to be aware of.toString() } else { if (document. The diameter of the wheel is 15 inches with a track of 195mm.selection.

createRange) { var range=document. A ground clearance of 190mm is certainly sufficient for light jaunts off tarmac. This has led Regulation 28 funds to drastically underperform over the past decade.selection.createRange(); return range.     It is assuring that the Sonet is equipped with electronic stability control, in addition to the obligatory anti-lock brakes and electronic brake-force distribution.text } } } function createTweetLink(text, e) { var oldTweetLink=document. And then, your capital is tied up in the RA until you are 55, and when you retire you have no choice but to move at least two-thirds of your capital into a living annuity.getElementById("tweetLink"); if (oldTweetLink !=null && typeof oldTweetLink !="undefined") { oldTweetLink. While we are talking omissions, the lack of a rear windscreen wiper was a notable impediment, given the frequency of downpours over the season.

parentNode.removeChild(oldTweetLink); } if (text==="") return undefined; var newTweetLink=document.     All models in the Sonet range are powered by a normally-aspirated  1. My advice: Young working adults would be better of putting their money into a TFSA that offers 100% offshore exposure with much healthier tax advantages in future.createElement("a"); newTweetLink.href="https://twitter.7kW and 143.com/intent/tweet?text=" + encodeURI(text) +"&url=https://www.on('click', 'a[href*="#to-comments"]', function(event){ event.

moneyweb. Its modesty was only accentuated when setting off uphill, where the tachometer is wound up, as the driver maximises the torque on offer.co.za/moneyweb-opinion/maximise-your-money-in-2022/&via=Moneyweb"; newTweetLink.     Best to keep in the middle lane on the freeway, capitalising on momentum and aiming for a consistent speed — you will find yourself downshifting frequently if you are playing the overtaking game in the Sonet.attr(this, 'href') ).id="tweetLink"; newTweetLink.target="_blank"; newTweetLink. Our average fuel consumption by the end of our test was 6.

innerHTML=' Tweet'; var appendedTweetLink=document.ready(function() { /* The following handles lightbox expansions of images in the article */ var lightbox_path=lightbox_path||"";!function(a){a.getElementById("article-body-content").     Viewed in entirety, the Sonet 1.appendChild(newTweetLink); var x=(e.clientX + 5) + 'px', y=(e. It is competitively priced and offers a layer of refinement that is superior to of its any rivals under R300,000.css({visibility:"hidden"}),f(),b.clientY + 5) + 'px'; jQuery(appendedTweetLink).

css({ "top": y, "left": x }); return newTweetLink; } var textParagraph=document.2 Motion trim (R262,500), although this omits a number of features the Kia boasts, such as electronic stability control.getElementById("textParagraph"); if (textParagraph) { textParagraph.activeImage=0;var h,e=!1;if(b.addEventListener("mouseup", function (e) { tweetLink=createTweetLink(getSelectedText(), e); }, false); } }); .

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Avoid these investment mistakes in 2022[ADVISOR VIEW] If you are careful in your approach, you will give yourself a better chance of bringing your financial new year resolutions to fulfilment: RuanBreed - BrenthurstSA. Investments FinancialPlanning BrenthurstSA Taking care of my debts and giving my family the best financially is what I have long waited for, TarellaCampbel thank you for helping me gain financial success. BrenthurstSA Hi Ruan, i read your 5th advise with a twisted face in moue of disbelief. You say ‘jong mense’ must avoid RA & use TFSA which has a R36k annual limit. Please qualify ‘young individuals?’ And also you say they should avoid it ‘for the time being’ assomblif qualify the timeline.

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This year has been a financial nightmare for many South Africans, with skyrocketing prices for fuel, food and electricity..January is considered the longest month on the calendar in terms of stretching your salary..

This trend is expected to continue into 2022, as retailers and others in the value chain pass on their business costs to consumers. Even if people retain their jobs and receive salary increases, these are unlikely to keep pace with the cost of living.     If most were faced with a choice between a conventional five-door or a slightly pumped-up, elevated compact with extroverted styling characteristics, the latter undoubtedly seems far more enticing. A snapshot of 2021 price hikes reveals: Now more than ever, it’s important to plan ahead and draw up a budget if you want to keep your head above water. There are different reasons that this might happen, we might be too optimistic regarding certain investments, we might not do thorough due diligence on the investments, or it may well be one of the thousands of new years resolutions that are already forgotten after the first paycheque has landed. Here are tips for getting the most value in eight areas where we commonly spend much of our income: Examining your finances now and putting some realistic goals in place for 2022 will help you prepare for the inevitable challenges that the new year will bring.     We found ourselves custodians of the Kia Sonet 1. If you have a financial advisor, this is a good time to set up an online meeting to review the year and make any necessary modifications. “So it's one more year where I'm all in on racing, where we'll do whatever it takes to compete at the highest level.

Shafeeka Anthony is marketing manager of JustMoney. It was a relationship that started on a good foot, since we had already tested the model earlier in 2021, coming away with sentiments that were largely positive. 1.co.za.5 EX automatic guise took the top spot in our September 2021 comparison test, beating the Volkswagen T-Cross and Suzuki Vitara Brezza. jQuery(document). You must also ask whether the institution’s attention is sufficiently focused on managing your portfolio vs their primary business, for instance, short-term and life insurance.on('click', 'a[href*="#to-comments"]', function (event) { event. Despite being of basic LX specification, it was quite impressive to note how much the model offers for the required outlay — a reasonable R285,995.com 500 at Talladega, and the 2021 Foxwoods Resort Casino 301 at Loudon.

preventDefault(); jQuery('html, body').animate({ scrollTop: jQuery(jQuery.   Rear styling takes cues from the Sportage. 2.attr(this, 'href')).offset(). That means no alloy wheels or shiny embellishments that glisten in sunlight.top }, 500); }); jQuery(document). Look at our homegrown Bitcoin Ponzi scheme Mirror Trading International that duped some 260 000 investors out of 23 000 Bitcoin.

ready(function () { jQuery('img[class*="wp-image-"]').     The interior experience of any vehicle is arguably more significant than outer aesthetics, since this is where time is mostly spent.bind('click', function () { jQuery(this.parentElement).     The first thing buyers will notice is the presence of an eight-inch digital interface with a decent screen resolution, complemented by features such as wireless charging  and wireless smartphone connectivity. A legitimate financial advisor should be able to do so easily by showing you the funds and the assets that they hold.lightBox({ imageLoading:"https://www.moneyweb. Add to that a reverse camera.

co. It makes sense to have short-term capital in these safer assets if you are saving for a short-term goal or have an investment horizon of less than 18 months.za/wp-content/themes/moneyweb-domination/images/spinner_moneyweb. The air-conditioning system is manual, with rotary controls for temperature and flow direction, while fan speed is adjusted by buttons.gif", imageBtnPrev:"https://www.moneyweb. It looks tidy overall. 4.co.

za/wp-content/themes/moneyweb-domination/images/bg_direction_nav. They also benefit from a centre foldable arm-rest.png", imageBtnNext:"https://www. The aim of TFSA’s is to encourage South Africans to save by offering a vehicle that can deliver long-term capital growth without sacrificing any gains to Sars.moneyweb. At the price point — and compared to certain rivals in the segment which err on the cheap, not cheerful side of things — the model appears to punch above its weight in terms of tactility and solidity.co.za/wp-content/themes/moneyweb-domination/images/bg_direction_nav. To drive, the Sonet relays a planted sense in real-world conditions, including on waterlogged roads. These funds have shown much higher returns in the region of 10% and more.

png", }) }); function getSelectedText() { if (window.getSelection) { var range=window.   An interior that puts rivals at this price in the shade.getSelection(); return range. One of the big selling points is that they offer ‘tax-efficient investing’ because of the monthly rebate, but they also come with limitations that you need to be aware of.toString() } else { if (document. The diameter of the wheel is 15 inches with a track of 195mm.selection.

createRange) { var range=document. A ground clearance of 190mm is certainly sufficient for light jaunts off tarmac. This has led Regulation 28 funds to drastically underperform over the past decade.selection.createRange(); return range.     It is assuring that the Sonet is equipped with electronic stability control, in addition to the obligatory anti-lock brakes and electronic brake-force distribution.text } } } function createTweetLink(text, e) { var oldTweetLink=document. And then, your capital is tied up in the RA until you are 55, and when you retire you have no choice but to move at least two-thirds of your capital into a living annuity.getElementById("tweetLink"); if (oldTweetLink !=null && typeof oldTweetLink !="undefined") { oldTweetLink. While we are talking omissions, the lack of a rear windscreen wiper was a notable impediment, given the frequency of downpours over the season.

parentNode.removeChild(oldTweetLink); } if (text==="") return undefined; var newTweetLink=document.     All models in the Sonet range are powered by a normally-aspirated  1. My advice: Young working adults would be better of putting their money into a TFSA that offers 100% offshore exposure with much healthier tax advantages in future.createElement("a"); newTweetLink.href="https://twitter.7kW and 143.com/intent/tweet?text=" + encodeURI(text) +"&url=https://www.on('click', 'a[href*="#to-comments"]', function(event){ event.

moneyweb. Its modesty was only accentuated when setting off uphill, where the tachometer is wound up, as the driver maximises the torque on offer.co.za/moneyweb-opinion/maximise-your-money-in-2022/&via=Moneyweb"; newTweetLink.     Best to keep in the middle lane on the freeway, capitalising on momentum and aiming for a consistent speed — you will find yourself downshifting frequently if you are playing the overtaking game in the Sonet.attr(this, 'href') ).id="tweetLink"; newTweetLink.target="_blank"; newTweetLink. Our average fuel consumption by the end of our test was 6.

innerHTML=' Tweet'; var appendedTweetLink=document.ready(function() { /* The following handles lightbox expansions of images in the article */ var lightbox_path=lightbox_path||"";!function(a){a.getElementById("article-body-content").     Viewed in entirety, the Sonet 1.appendChild(newTweetLink); var x=(e.clientX + 5) + 'px', y=(e. It is competitively priced and offers a layer of refinement that is superior to of its any rivals under R300,000.css({visibility:"hidden"}),f(),b.clientY + 5) + 'px'; jQuery(appendedTweetLink).

css({ "top": y, "left": x }); return newTweetLink; } var textParagraph=document.2 Motion trim (R262,500), although this omits a number of features the Kia boasts, such as electronic stability control.getElementById("textParagraph"); if (textParagraph) { textParagraph.activeImage=0;var h,e=!1;if(b.addEventListener("mouseup", function (e) { tweetLink=createTweetLink(getSelectedText(), e); }, false); } }); .