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    Financial Planning Institute
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What were your biggest expenses this year? Will next year be different?

#FinancialLiteracy #YourLifeEvents #LetsPlan #Save #CertifiedFinancialPlanner #FPI
When you’re just starting out in your career, it can be tempting to hop from job to job in a quest to earn more money.

But if you want to be wealthy one day, your early working years should be about learning every imaginable skill to further your career. You don’t become wealthy by earning a high salary. See new skills as an investment in your future wealth.

#FinancialLiteracy #YourLifeEvents #LetsPlan #Save #CertifiedFinancialPlanner #FPI
When you’re just starting out in your career, it can be tempting to hop from job to job in a quest to earn more money. But if you want to be wealthy one day, your early working years should be about learning every imaginable skill to further your career. You don’t become wealthy by earning a high salary. See new skills as an investment in your future wealth. #FinancialLiteracy  #YourLifeEvents  #LetsPlan  #Save  #CertifiedFinancialPlanner  #FPI 
To obtain the CFP® professional designation, successful completion of a Professional Competency Exam is required. 
The next PCE is on the 14th of February 2019. Registration closes 1 February 2019. Register and pay before 30 November 2018 to qualify for the early bird fee of R 2573. 
Register here: https://goo.gl/anpBQx 
#FinancialLiteracy #YourLifeEvents #LetsPlan #Save #CertifiedFinancialPlanner #FPI
To obtain the CFP® professional designation, successful completion of a Professional Competency Exam is required. The next PCE is on the 14th of February 2019. Registration closes 1 February 2019. Register and pay before 30 November 2018 to qualify for the early bird fee of R 2573. Register here: https://goo.gl/anpBQx #FinancialLiteracy  #YourLifeEvents  #LetsPlan  #Save  #CertifiedFinancialPlanner  #FPI 
Financial Planners Wanted.

Distinguish yourself from the crowd, write the Professional Competency Exam (PCE) now and get once step closer to your CFP® Professional designation.

Early bird fee of R 2573 available till 30 November. Register here: https://goo.gl/anpBQx

#FinancialLiteracy #YourLifeEvents#LetsPlan #Save #CertifiedFinancialPlanner hashtag#FPI
Look at paying off big debt as a marathon. Not a sprint.

To keep you motivated, draw up a payment plan and celebrate debt pay-off milestones: • Paying off 50% of your balance.
• Getting your debt balance down from five- to four-figures.
• Settling your car balance in full. 
#FinancialLiteracy #YourLifeEvents #LetsPlan #Save
Look at paying off big debt as a marathon. Not a sprint. To keep you motivated, draw up a payment plan and celebrate debt pay-off milestones: • Paying off 50% of your balance. • Getting your debt balance down from five- to four-figures. • Settling your car balance in full. #FinancialLiteracy  #YourLifeEvents  #LetsPlan  #Save 
Have you tried thinking of money as a “Get Out of Jail Free” card instead of just a currency you use to buy more things?

The more you have saved up, the less stressed you’ll feel when faced with an emergency. 
#FinancialLiteracy #YourLifeEvents #LetsPlan #Save
Have you tried thinking of money as a “Get Out of Jail Free” card instead of just a currency you use to buy more things? The more you have saved up, the less stressed you’ll feel when faced with an emergency. #FinancialLiteracy  #YourLifeEvents  #LetsPlan  #Save 
Not sure whether you’re spending too much on your car every month?

A good guideline for a healthy budget would be to allocate 15% of your NET monthly salary. 
Including your car payment, insurance, license, maintenance, petrol and parking. #FinancialLiteracy #YourLifeEvents #LetsPlan #Save
Not sure whether you’re spending too much on your car every month? A good guideline for a healthy budget would be to allocate 15% of your NET monthly salary. Including your car payment, insurance, license, maintenance, petrol and parking. #FinancialLiteracy  #YourLifeEvents  #LetsPlan  #Save 
Take a look at 3 ways to tell whether your finances are in good stead:

1. If, for some reason, you don’t get paid at the end of the month, you’ll still be able to pay your bills on time.
2. You have fewer debts than you did last year.
3. Besides saving for retirement, you also contribute to a savings account. (See link to access and download our free financial planning calculators to assist you in achieving your life goals: https://goo.gl/5LcPbn )

#FinancialLiteracy #YourLifeEvents #LetsPlan #Save
Take a look at 3 ways to tell whether your finances are in good stead: 1. If, for some reason, you don’t get paid at the end of the month, you’ll still be able to pay your bills on time. 2. You have fewer debts than you did last year. 3. Besides saving for retirement, you also contribute to a savings account. (See link to access and download our free financial planning calculators to assist you in achieving your life goals: https://goo.gl/5LcPbn ) #FinancialLiteracy  #YourLifeEvents  #LetsPlan  #Save 
Do you keep making sacrifices for extra money? Think again.

By selling unwanted, too-big, too-small, unused, or duplicate items, you could easily boost your savings.
(See link to access and download our free financial planning calculators to assist you in achieving your life goals: https://goo.gl/5LcPbn )

#FinancialLiteracy #YourLifeEvents #LetsPlan #Save
Do you keep making sacrifices for extra money? Think again. By selling unwanted, too-big, too-small, unused, or duplicate items, you could easily boost your savings. (See link to access and download our free financial planning calculators to assist you in achieving your life goals: https://goo.gl/5LcPbn ) #FinancialLiteracy  #YourLifeEvents  #LetsPlan  #Save 
A good rule of thumb to help you with your budget is to spend no more than 35% of your net income on housing.

Including your bond/rent, utilities, insurance, taxes and home maintenance. 
#FinancialLiteracy #YourLifeEvents #LetsPlan
A good rule of thumb to help you with your budget is to spend no more than 35% of your net income on housing. Including your bond/rent, utilities, insurance, taxes and home maintenance. #FinancialLiteracy  #YourLifeEvents  #LetsPlan 
Many people often debate the value of shopping online. While it’s convenient, some feel that it’s more expensive. But is it really?

Online, you can shop the deals section first, you are less tempted to buy more than just what’s on your list, and most grocery shops will have free delivery if you are buying more than a few items. If you had to go to a mall to purchase the item, you’d have to pay for petrol, parking and your time (as well as anything else that might catch your eye). Do you feel more in control online, or in store?

#FPI #YourLifeEvents #LetsPlan
Many people often debate the value of shopping online. While it’s convenient, some feel that it’s more expensive. But is it really? Online, you can shop the deals section first, you are less tempted to buy more than just what’s on your list, and most grocery shops will have free delivery if you are buying more than a few items. If you had to go to a mall to purchase the item, you’d have to pay for petrol, parking and your time (as well as anything else that might catch your eye). Do you feel more in control online, or in store? #FPI  #YourLifeEvents  #LetsPlan 
Additional and often unexpected expenses can arise after a progressive disease diagnosis. This includes things like regular visits to healthcare professionals, extra medication to counteract the side effects of treatment, and costs of travelling to and from appointments. 
There are also indirect costs like babysitting or higher utility bills due to extra time spent recuperating at home. (See link to access and download our free financial planning calculators to assist you in achieving your life goals: https://goo.gl/5LcPbn )

#LetsPlan #YourLifeEvents #Invest #SouthAfrica
Additional and often unexpected expenses can arise after a progressive disease diagnosis. This includes things like regular visits to healthcare professionals, extra medication to counteract the side effects of treatment, and costs of travelling to and from appointments. There are also indirect costs like babysitting or higher utility bills due to extra time spent recuperating at home. (See link to access and download our free financial planning calculators to assist you in achieving your life goals: https://goo.gl/5LcPbn ) #LetsPlan  #YourLifeEvents  #Invest  #SouthAfrica 
Maternity leave is a special opportunity for mothers to bond with their newborns and allow their bodies to heal after childbirth. These 3 simple tips will help give you peace of mind before, during and after maternity leave:

1. Before: Pay off any debt you might have while you are still earning a full salary.

2. During: Cut back on your luxury expenses like dining out and put away the extra money for when the baby arrives.

3. After: Don’t be afraid of pre-loved deals and asking friends and family if you can borrow items that they’re no longer using. (See link to access and download our free financial planning calculators to assist you in achieving your life goals: https://goo.gl/5LcPbn )

#LetsPlan #YourLifeEvents #Invest #SouthAfrica
Maternity leave is a special opportunity for mothers to bond with their newborns and allow their bodies to heal after childbirth. These 3 simple tips will help give you peace of mind before, during and after maternity leave: 1. Before: Pay off any debt you might have while you are still earning a full salary. 2. During: Cut back on your luxury expenses like dining out and put away the extra money for when the baby arrives. 3. After: Don’t be afraid of pre-loved deals and asking friends and family if you can borrow items that they’re no longer using. (See link to access and download our free financial planning calculators to assist you in achieving your life goals: https://goo.gl/5LcPbn ) #LetsPlan  #YourLifeEvents  #Invest  #SouthAfrica 
You’ve worked hard for that year-end bonus, but how can you make the most of it? 
Our financial advisers suggest you start by paying off short-term debt as this immediately improves your cash flow and leaves you with a little extra each month to use for investment purposes or additional lifestyle expenses.

If you have little or no debt, put some money aside in an emergency fund or a tax-free savings account. Don’t forget to save a little to spoil yourself over the festive season coming! (See link to access and download our free financial planning calculators to assist you in achieving your life goals: https://goo.gl/5LcPbn )

#LetsPlan #YourLifeEvents #Invest #SouthAfrica
You’ve worked hard for that year-end bonus, but how can you make the most of it? Our financial advisers suggest you start by paying off short-term debt as this immediately improves your cash flow and leaves you with a little extra each month to use for investment purposes or additional lifestyle expenses. If you have little or no debt, put some money aside in an emergency fund or a tax-free savings account. Don’t forget to save a little to spoil yourself over the festive season coming! (See link to access and download our free financial planning calculators to assist you in achieving your life goals: https://goo.gl/5LcPbn ) #LetsPlan  #YourLifeEvents  #Invest  #SouthAfrica 
How do you leave the world a better place for others to inherit? You plan for tomorrow, today. 
This mindset goes beyond just meal prepping and no-more-plastic-straw-thinking. Simple saving, like R200 per month, adds up over the long term (just ask your friend compound interest). (See link to access and download our free financial planning calculators to assist you in achieving your life goals: https://goo.gl/5LcPbn )

#LetsPlan #YourLifeEvents #Invest #SouthAfrica
How do you leave the world a better place for others to inherit? You plan for tomorrow, today. This mindset goes beyond just meal prepping and no-more-plastic-straw-thinking. Simple saving, like R200 per month, adds up over the long term (just ask your friend compound interest). (See link to access and download our free financial planning calculators to assist you in achieving your life goals: https://goo.gl/5LcPbn ) #LetsPlan  #YourLifeEvents  #Invest  #SouthAfrica 
When it comes to your tax return, do you prefer to treat yourself and spend your return, or would you rather put the money away "for a rainy day"? Let us know what you like to spend your tax return on in the comments below 👇 (See link to access and download our free financial planning calculators to assist you in achieving your life goals: https://goo.gl/5LcPbn )

#TaxSeason2018 #YourLifeEvents #Debts #Invest #SouthAfrica
When it comes to your tax return, do you prefer to treat yourself and spend your return, or would you rather put the money away "for a rainy day"? Let us know what you like to spend your tax return on in the comments below 👇 (See link to access and download our free financial planning calculators to assist you in achieving your life goals: https://goo.gl/5LcPbn ) #TaxSeason2018  #YourLifeEvents  #Debts  #Invest  #SouthAfrica 
What do you think is the best way to use your savings?
Vote and let us know why in the comments, too. 
A1: Settle debts
A2: Invest

#FPI #YourLifeEvents #Debts #Invest #SouthAfrica
This Financial Planning Week 2018: 8 – 12 October, BDO 
Wealth are proud to launch their third edition of their Wealth Guide : 'Talking About Money As A Family' . (See link to download guide: https://goo.gl/ZtGQC3 )  #BDOWealth #FPI #FinancialPlanning #YourLifeEvents #FinancialPlanningWeek