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From category archives: Olemera Blog

Personal Financial planning

Using Goals to Achieve Financial Success

When financial plans focus on a client’s personal goals instead of arbitrary benchmarks, it creates motivation and satisfaction. For these reasons, and because many investors appreciate the level of personalisation of goals-based financial planning, this approach is gaining popularity.

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The Importance of Setting Goals to Achieve Financial Independence

Goal setting is something we learn about in school and most people find the concept quite boring. However, when it comes to your personal finances, goal setting is one of the most important and useful activities you can do.

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The Role of Financial Advisors in Achieving Financial Independence

In this article, we take a look at the role a financial advisor plays in working towards and achieving financial independence in today’s difficult economic climate.

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Financial Independence – What Does it Mean to You?

Financial independence can be defined and measured in many different ways. Defining it is important, but what’s more important is figuring out why you want it, how hard you must work for it, and how much you want to achieve it.

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Becoming Financially Conscious Is the New Trend

Spending money on basically anything because you ‘simply can’, is one of the reasons why I believe most young adults are constantly in debt. Being controlled by social media and trying to stay on trends often leads most of us to living beyond our means.

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What Happens to Your Debt After Your Death?

Unfortunately, debt does not simply dissolve after you die. In fact, everything you have left to your name after you pass could be used to settle outstanding debt. What’s worse, in addition to mourning your passing, your loved ones may be faced with paying your outstanding debt if you have not taken the necessary steps to protect them.

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Finding a Debt Solution That is Right for You

There are 4 main solutions to consider if you are beyond the point of keeping up with your monthly repayments. This might mean that you are over-indebted, and you may be faced with legal action if you continue falling behind on your payments.

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How to Get Out of Debt – Four Simple Steps

Getting out of debt is not an easy task but, with hard work and commitment, it can be done. Our financial advisors in Johannesburg know that debt can be a slippery slope and, therefore, we offer debt management as one of our financial services.

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How to Use Your Credit Card Wisely – Tips from Our Financial Planners

When people talk about credit cards, there is often a lot of uncertainty that surrounds the topic and understandably so. They are a tricky thing to understand and, if not used wisely, can result in overwhelming debt. However, there are some benefits of a credit card which our financial advisors came together to discuss, and we will share them in this article.

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Understanding Debt in South Africa – What is Debt?

Although not all debt is bad, it’s important to know that even good debt can become bad if it’s not managed smartly and you cannot afford to pay it. The unfortunate reality is that South Africa is one of the countries with the most debt in the entire world. What’s worse is that South Africans tend not to save much either.

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