Independent Thinking Insight

Articles 2018-05-12T07:03:44+00:00

Stay abreast of your healthcare cover

Whilst October is Breast Cancer awareness month, cancer has become a disease that was touted in 2018 as the second leading cause of death. It’s a tragedy that has most likely affected your family, and the families of your friends, colleagues and neighbours.

The World Health […]

Markets don’t make you money

Markets don’t make you money; your habits… make you money.

As creatures of habit, we ultimately become our own best friend, or our own worst enemy. This is why it’s important to be mindful of how our emotions affect our choices and influence our behaviour.

We can remind ourselves […]

Why hobbies help

Time is our greatest investment opportunity – we should invest the time that we have in a diverse portfolio of activities that will provide us with positive returns.

Having a solid routine helps us to squeeze utility out of our time. However, if we get stuck in the same routine for too long it […]

The impact of the economy on small businesses

In a 2018 article, Tim Davis (President of The UPS Store) said this of small businesses:

“Small business is the backbone of the economy. … It’s these businesses that are driving local economies, providing jobs for local residents and impacting key community organizations, through charity and service.”

Whilst small […]

What did you do with your first paycheck?

One thing we can always know for certain is the past; but with far less certainty, the future, and even ‘later today’… eludes us. Despite knowing this, we often fall into the trap of thinking that we should have done certain things better, because we can see (looking back…) what a […]

Crack the ice ahead of you

Spring is around the corner – bringing newness, freshness and invigoration. After a long winter, it’s easy to find your attitude has iced-over! Here’s how to crack the ice going forward…

Remind yourself of the plan and direction you have

Without a plan, we are completely lost. Having a […]

Start marketing yourself

Before we can think of saving, spending and investing – we first need to make money. Almost everybody would accept more money if it were offered to them. But, as is often the case in life, we need to put something in to get something out. One of the most effective […]

Lessons from the lighthouse

Here’s the thing about the lighthouse – it’s focus is always offshore. At the time of writing this article, the world is still flailing under the storm of the Coronavirus and the conditions have caused us all to rethink many of the foundations in our lives that we once thought secure.

Don’t spend based on other people’s income

The practice of storytelling is ubiquitous among cultures all across the globe. Sometimes we seem to forget the power that a story can hold over people. We use stories to make sense of our world and to share that understanding with others. When it comes to something as important as finance […]

What the low interest rate means for you

In light of the difficult times recently, Southern Africa has been awash in low interest rates. When South Africa significantly cut its base interest rate from an already-low 6.25% down to 4.25%, it officially became the lowest interest rate the country has ever had. In late 2019, […]

Ways to save when times are tough

Most of us are chronic under-savers even in the best of times. Yet with the current economic environment, lots of previously hypothetical concepts like ‘what if I’m retrenched or have my salary cut?’ are far more concrete – and, unfortunately, more likely to happen.

There’s never been a time when […]

Cold hard cash

Debt statistics are growing – this is very likely in part to the fact that a vast majority of us today prefer credit cards over cash. The benefits of credit cards are obvious. They are more convenient and offer more security.

Cold, hard cash, however, can be the best way […]

Three ways to thrash your debt

Effectively managing your debt is one of the best and most proactive ways of ensuring a sustainable financial future. It is deeply gratifying knowing that you’re doing something right when you see your debt shrinking!

The journey of exploring the best ways to manage your debt […]

Are you a savings statistic?

Most Sub-Saharan African countries are chronic ‘dis-savers’. But, you don’t have to be. Before we look at the options, let’s take a snapshot of recent events.

Last July, the South African Savings Institute gave the country a wakeup call when it said that the average household […]

The long haul

Saving is not just about a plan – it’s a behaviour.

Part of this behaviour is rooted in our mental ability to overcome our own fears. We reduce these fears by mentally preparing for life goals and recognising that we have what it takes to achieve them.

Mentally preparing […]

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