As more lockdown restrictions are eased \u2013 at least in part \u2013 there will be more calls for people to return to the office. This could take the form of an eight-hour day at the workplace, staggered staff hours, or a hybrid model involving both the office and home. <\/p>\n\n\n\n
\n In preparation for a return to the office, whether full- or part-time, it\u2019s worth considering JustMoney\u2019s financial planning checklist. <\/b>\n<\/p>\n\n\n\n
\n .<\/span> Budget review:<\/b> Make a list of your current household essentials, such as bond payments, electricity and food, along with additional expenses such as car payments and school fees. The basics may stay the same, but you must be more aware of where your money goes. <\/p>\n\n\n\n \n .<\/span> Emergency savings:<\/b> Retrenchments are a reality. Aim to build up sufficient savings to cover your expenses for three to six months. Channel any additional funds into investments.<\/p>\n\n\n\n \n .<\/span> Investment allocation:<\/b> If you have not yet spoken to a financial advisor and considered their professional perspective, this is a good time to book a meeting or call. You may have taken for granted that your monthly company deductions are taking care of your retirement. Re-examine your asset allocation in terms of your age and life stage.<\/p>\n\n\n\n \n .<\/span> Commuter costs:<\/b> Fuel costs have gone up dramatically, so your petrol bill could be a headache when you commute to the office. Vehicle maintenance and careful driving will pay off in the long run. Adhere to your car\u2019s recommended service intervals and go through a checklist to ensure items such as tyres, brake pads and windscreen wipers function optimally. <\/p>\n\n\n\n \n .<\/span> Office gear:<\/b> Before heading to the mall with your credit card, make a clothing inventory. You may rediscover items you haven\u2019t worn for years. Revamp before you discard, donate items you no longer need, have a swap party with friends, and invest in quality basics that will last for years.<\/p>\n\n\n\n \n \n .<\/span> Child care:<\/b> If you have family nearby, enlisting their help with compensation is the easiest way to reduce child care costs. You can also trade babysitting services with friends.<\/p>\n\n\n\n \n .<\/span> Online shopping:<\/b> The pandemic has encouraged many people to try online shopping. Continue comparing prices and tracking down deals. Online shopping will not only help you maximise your leisure time, but will also cut your fuel expenditure. <\/p>\n\n\n\n \n .<\/span> Employee benefits:<\/b> Your company probably made compensation changes during the pandemic, and will be reviewing these as staff return to work. Ensure that you are informed about, and take advantage of, company benefits, such as your employer matching your medical aid and retirement saving contributions.<\/p>\n\n\n\n \n .<\/span> Debt help:<\/b> The pandemic has made us more aware of the importance of mental health. Being unable to keep up with debt is extremely stressful. The good news is that there is professional help available to support you in tackling debt.<\/p>\n","protected":false},"excerpt":{"rendered":" As more lockdown restrictions are eased \u2013 at least in part \u2013 there will be more calls for people to return to the office. This could take the form of an eight-hour day at the workplace, staggered staff hours, or a hybrid model involving both the 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\n .<\/span> Lunch money:<\/b> Packing your own coffee capsules and lunch for work will save money, which could be allocated to building your emergency fund. <\/p>\n\n\n\n