{"id":48381,"date":"2024-02-27T10:51:28","date_gmt":"2024-02-27T08:51:28","guid":{"rendered":"https:\/\/novanews.co.za\/noordkaapbulletin\/financial-wellness-get-rid-of-five-bad-habits-making-you-poor-20240227\/"},"modified":"2025-03-21T16:14:15","modified_gmt":"2025-03-21T14:14:15","slug":"financial-wellness-get-rid-of-five-bad-habits-making-you-poor-20240227","status":"publish","type":"post","link":"https:\/\/novanews.co.za\/noordkaapbulletin\/financial-wellness-get-rid-of-five-bad-habits-making-you-poor-20240227\/","title":{"rendered":"Financial wellness: Get rid of five bad habits making you poor"},"content":{"rendered":"\n

Everyone wants financial wellness, but many of us might be guilty of certain money behaviours that are stopping us from reaching wealth in the future. <\/p>\n\n\n\n

While avoiding these behaviours might not get you on the cover of Forbes Magazine,<\/em> says Nidia Lourens, senior actuary at Metropolitan, but it will stop you from becoming poorer over time, curtailing your chances of achieving wealth. <\/p>\n\n\n\n

\u201cThink of these as \u2018bad habits\u2019 that you need to get a handle on as soon as possible,\u201d Lourens advised.<\/p>\n\n\n\n

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<\/p>\n

Financial wellness is a balancing act that can be mastered. <\/div>\n
<\/span>Photo: pixabay.com\/stevebp<\/span> <\/div>\n<\/div>\n<\/div>\n\n\n\n

Not budgeting<\/strong><\/p>\n\n\n\n

There is a reason that drawing up a budget is the first step towards financial security. <\/p>\n\n\n\n

\u201cWithout a clear, written budget it is easy to spend more than you earn. The secret of financial wellness is to live within your means, and working to a budget creates discipline,\u201d says Lourens.<\/p>\n\n\n\n

Spending too much time online<\/strong><\/h3>\n\n\n\n

\u201cAlmost everything we are exposed to online is designed to make us spend money. From that ad of a cute dress following you around social media, to a retailer\u2019s newsletter bombarding you with a product \u2018special\u2019, to an influencer promoting a miraculous skin cream \u2013 we don\u2019t even realise that we\u2019re being inadvertently targeted every time we go online,\u201d she says.<\/p>\n\n\n\n

While one cannot avoid the internet \u201cwe can be mindful of the amount of time we spend online \u2013 especially on social media \u2013 and become aware of how advertisers are constantly looking for avenues to monetise our browsing habits and promote their products.\u201d<\/p>\n\n\n\n

Before you purchase something, give yourself 24 hours to think it through, she suggests. <\/p>\n\n\n\n

\u201cThat will dampen the immediate dopamine rush that comes with buying something unnecessary, and you will be in a much better state of mind to make a rational decision.\u201d<\/p>\n\n\n\n

Getting too comfortable with credit<\/strong><\/h3>\n\n\n\n

Too many people see credit as a way of life. We buy on credit, slip into our overdraft, or swipe our credit card needlessly while exposing ourselves to hefty interest rates and debt servicing fees that eat into our money. <\/p>\n\n\n\n

\u201cBad debt should be avoided at all costs,\u201d says Lourens. \u201cIt\u2019s not a way of life \u2013 rather, a last resort.\u201d And if you do happen to use your credit card, aim to settle the outstanding balance as soon as possible, to avoid these fees.<\/p>\n\n\n\n

Thinking that only saving will get you rich<\/strong> <\/h3>\n\n\n\n

Saving is important, but there is a cap on how much you can save. <\/p>\n\n\n\n

\u201cSaving alone is unlikely to make you wealthy \u2013 the other piece of the puzzle is to make more money.\u201d <\/p>\n\n\n\n

If you look carefully, there could be a plethora of opportunities available to you, which are right under your nose. A side hustle \u2013 where you monetise a skill set or hobby or provide a service, is one way to bulk up your earnings. Investing is another. <\/p>\n\n\n\n

\u201cTo achieve true financial freedom, you need to save more but you also need to make more,\u201d advises Lourens. \u201cSaving alone is unlikely to get you wealthy.\u201d<\/p>\n\n\n\n

Treating money talk as taboo<\/strong> <\/h3>\n\n\n\n

Talking about money is in many cases off-limits \u2013 we do not discuss what we earn, spend, or our debt. But we should, says Lourens. <\/p>\n\n\n\n

\u201cThere is still a great deal of stigma attached to talking about money, but by keeping our financial affairs hidden from those people who may need to know about our financial status \u2013 like our loved ones \u2013 we are setting ourselves up for failure.\u201d<\/p>\n\n\n\n

For example, having an honest conversation with your partner about your debt and financial goals is important, as is educating your kids about reckless spending, she advises. <\/p>\n\n\n\n

Another way of breaking this habit is to consult a financial adviser. <\/p>\n\n\n\n

\u201cYou will need to give them a full picture of your finances, warts and all \u2013 but once they have a clear understanding, they will be able to advise you on what you can do to put yourself in a better financial position,\u201d says Lourens.<\/p>\n","protected":false},"excerpt":{"rendered":"

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