{"id":55543,"date":"2022-12-19T13:41:07","date_gmt":"2022-12-19T11:41:07","guid":{"rendered":"https:\/\/novanews.co.za\/noordkaapbulletin\/consumers-encouraged-to-be-wise-with-their-spending-20221219-3\/"},"modified":"2025-03-21T14:28:14","modified_gmt":"2025-03-21T12:28:14","slug":"consumers-encouraged-to-be-wise-with-their-spending-20221219-3","status":"publish","type":"post","link":"https:\/\/novanews.co.za\/noordkaapbulletin\/consumers-encouraged-to-be-wise-with-their-spending-20221219-3\/","title":{"rendered":"Consumers encouraged to be wise with their spending"},"content":{"rendered":"\n

South African consumers are strongly encouraged to be wise with their money and avoid over-spending their budget during the festive season that could bring about unwanted debts. This advice is informed by a report that claims South Africans spend more than 80% of their income paying off debt, leaving only 20% to cover the rest of their household expenses.<\/p>\n\n\n\n

Stian de Witt, executive head of financial planning at the employee benefits firm NMG, recommends some useful tips to consider when planning and budgeting for the December holidays to avoid the January debt hangover. <\/p>\n\n\n\n

First, set aside some money in a savings account or safe deposit box. Second, make sure your credit card limit is sufficient to cover any unexpected expenses. And thirdly, ensure that debt payments are made on time.<\/p>\n\n\n\n

\u201cKnow what you need, compare prices and quality, and if you are going to buy something, make sure it is something that you really need. Don\u2019t buy stuff just because it looks like a good deal,\u201d De Witt advises.<\/p>\n\n\n\n

Have a festive season budget<\/p>\n\n\n\n

List all your income and expenses, see how much you have left \u2013 and then plan how to spend that money carefully. \u201cJust remember to add all your expenses \u2013 even the hidden ones like bank charges. That way you will minimise those unexpected surprises,\u201d said De Witt.<\/p>\n\n\n\n

Shop with your head, not your heart<\/p>\n\n\n\n

\n
Know what you need, compare prices and quality, and if you are going to buy something, make sure it is something that you really need. Don\u2019t buy stuff just because it looks like a good deal<\/div>\n<\/div>\n\n\n\n

The festive season is an expensive time of the year. It is not just Christmas gifts: it is also school uniforms, stationery and books. \u201cDon\u2019t get swept away by the holiday spirit. Make realistic, rational financial decisions, and differentiate between your \u2018wants\u2019 and your \u2018needs\u2019,\u201d said De Witt.<\/p>\n\n\n\n

Avoid the debt trap<\/p>\n\n\n\n

\u201cOnce you are over-indebted, it is extremely difficult to get your head above water again. This happens so easily if you do not monitor and track your income and expenses \u2013 especially during the festive season,\u201d said De Witt.<\/p>\n\n\n\n

Be practical<\/p>\n\n\n\n

Two practical ways of staying within your budget are to take the money that you want to spend on gifts and out-of-the-ordinary spending and put it in a separate envelope when shopping. Another one is to download a budget spreadsheet from the web to do your budget with. Once that is done, grab a book that you carry with you and write down the expenses incurred daily. <\/p>\n","protected":false},"excerpt":{"rendered":"

South African consumers are strongly encouraged to be wise with their money and avoid over-spending their budget during the festive season that could bring about unwanted debts. This advice is informed by a report that claims South Africans spend 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encouraged to be wise with their spending | Noordkaap Bulletin<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/novanews.co.za\/noordkaapbulletin\/consumers-encouraged-to-be-wise-with-their-spending-20221219-3\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Consumers encouraged to be wise with their spending\" \/>\n<meta property=\"og:description\" content=\"South African consumers are strongly encouraged to be wise with their money and avoid over-spending their budget during the festive season that could bring about unwanted debts. 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