HowToMoneySA @HowToMoneySA

Smarter money guidance for South Africans: save, invest, insure, tax, estates and retirement. Education only, not advice. DM for personal planning. South Africa Joined August 2013

Tweets

63
Followers

968
Following

349
Likes

223

HowToMoneySA @HowToMoneySA

a day ago

calculator.howtomoney.co.za/grocery-basket

0 0 0 84 0

View Details

Insurance is a debit order,until it becomes an income. SA life insurers paid R626 billion in claims and benefits in 2025 - about R1.7 billion a day. Review the risks your family needs covered,not just the policies you own. Source:ASISA #HowToMoneySA #Insurance #FinancialPlanning

0 0 0 115 0

View Details

HowToMoneySA @HowToMoneySA

a week ago

The house gets paid. You get a chance. Repeated gambling is not a savings plan - it is money spent on odds designed against you. #HowToMoney #Gambling #PersonalFinance

0 0 0 103 0

View Details

HowToMoneySA @HowToMoneySA

a week ago

SARB did not increase rates. But your budget may still feel the squeeze. Inflation rose to 5.0%, while the repo rate stayed at 7.0%. No new rate hike. No repayment relief either. #HowToMoney #InterestRates #Inflation #PersonalFinance

0 0 0 124 0

View Details

HowToMoneySA @HowToMoneySA

a week ago

You may save for retirement for decades… …but only start planning it 3.4 years before you stop working. Saving and retirement planning are not the same thing. 💡 Money habit: Start your retirement-income plan at least 5 years before retirement. #HowToMoneySA #RetirementPlanning

0 0 0 81 0

View Details

HowToMoneySA @HowToMoneySA

a week ago

A qualifying microbusiness can now earn up to R600,000 in annual turnover before turnover tax starts. And the turnover-tax ceiling is now R2.3 million. Remember: turnover is not profit. 💡 Habit: Track your side hustle income in a separate account. Source SARS. #SideHustle #Tax

0 0 0 80 0

View Details

HowToMoneySA @HowToMoneySA

a week ago

Your phone may be building your financial profile. What you click, buy and share could increasingly influence the credit, insurance and pricing offered to you. Your digital behaviour may matter more than you think. #HowToMoney #PersonalFinance #Credit #Insurance #DigitalPrivacy

0 0 0 69 0

View Details

HowToMoneySA @HowToMoneySA

a week ago

Inflation has two stories. ⛽ Fuel: +34.3% 🛒 Excluding fuel: +3.8% Headline CPI: 5.0% One category can completely change how inflation feels. Money habit: Budget by category - not by headlines. Source: Stats SA, June 2026. #HowToMoneySA #Inflation

0 0 0 112 0

View Details

HowToMoneySA @HowToMoneySA

a week ago

Saving isn’t only a money problem. It’s a brain problem. Your brain prefers today. Your future needs a system. Automate. Stay consistent. Let discipline beat temptation. #HowToMoney #Saving #BehaviouralFinance

0 0 0 98 0

View Details

HowToMoneySA @HowToMoneySA

2 weeks ago

49% surveyed have used Two-Pot. The real success is not only what came out — it is what stayed invested. #TwoPot #Retirement #HowToMoney

0 0 0 108 0

View Details

HowToMoneySA @HowToMoneySA

2 weeks ago

Headline inflation was 4.5% in May 2026. But insurance and financial-services costs rose 5.7%. Inflation is not only happening at the supermarket. It is also arriving quietly through your debit orders. Check your own recurring costs annually. Source: Stats SA. #HowToMoneySA

0 0 0 128 0

View Details

HowToMoneySA @HowToMoneySA

2 weeks ago

The JSE Top 40 fell 10.8% in just 3 months. What did you do? Successful investing is often less about predicting markets and more about controlling your behaviour. Stay invested. Stay disciplined. #JSE #Investing #BehaviouralFinance #HowToMoney #PersonalFinance

0 0 0 130 0

View Details

HowToMoneySA @HowToMoneySA

2 weeks ago

If you're paying 18%-29% on debt but earning only 6%-8% on your savings, your money is working against you. Before filling the bucket, close the leak. High-interest debt offers the best guaranteed return you'll ever "earn" by paying it off. #HowToMoney #Debt #PersonalFinance

0 0 1 160 0

View Details

HowToMoneySA @HowToMoneySA

2 weeks ago

Same investment. Same 10% return. Different ending. In this 10-year case, tax reduced the realised return by 1.24 percentage points p.a. ... about R49,031 less wealth. A TFSA has a place in long-term investing. Annual limit: R46,000. #HowToMoney #TFSA

0 0 0 113 0

View Details

HowToMoneySA @HowToMoneySA

2 weeks ago

Everything you own runs on one power source. Your income. Your home, car, retirement, investments and lifestyle all depend on it. Protecting your ability to earn an income may be one of the smartest financial decisions you'll ever make. #IncomeProtection #FinancialPlanning

0 0 0 69 0

View Details

HowToMoneySA @HowToMoneySA

2 weeks ago

Starting from zero? The later you begin, the steeper the climb. Age 25: save ~20% of pre-tax income. Age 40: more than 40%. Start early. Preserve every rand. Let time do the heavy lifting. #RetirementPlanning #HowToMoneySA

0 0 0 114 0

View Details

HowToMoneySA @HowToMoneySA

2 weeks ago

A loss and a gain are not opposites. 📉 -50% requires 📈 +100% just to get back where you started. Protecting your capital is often more powerful than chasing big returns. #HowToMoney #Investing #Risk #CompoundReturns

0 0 0 127 0

View Details

HowToMoneySA @HowToMoneySA

3 weeks ago

8.7 million. That's how many South African risk policies lapsed during 2025. The biggest financial risk isn't always not having insurance... it may be the cover you cancelled. Source: ASISA Life Insurance Statistics 2025. #HowToMoney #LifeInsurance #FinancialPlanning #SouthAfrica

0 0 0 137 0

View Details

HowToMoneySA @HowToMoneySA

3 weeks ago

One country. Two financial futures. The biggest divide isn't where you live. It's the money habits you build. The same salary can lead to debt… or wealth. Small choices, repeated over time, create very different futures. #HowToMoney #PersonalFinance #Investing #MoneyHabits

0 0 0 104 0

View Details

HowToMoneySA @HowToMoneySA

3 weeks ago

Most people compare: 🏠 Buy vs Rent But that's the wrong comparison. The real question is: 🏠 Buy vs 🏢 Rent + invest the difference. That's the comparison that determines which option builds more wealth over time. #HowToMoney #Property #Investing #PersonalFinance