Money Talks e-Newsletter | December 2025 |
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We’ve officially reached the downhill stretch of the year – the part where the braais get hotter, the calendars get busier, and our wallets… well, they get a bit lighter. Before we all slip into full holiday mode, here are three quick money notes to help you end 2025 feeling calm and in control.
I also want to thank each of you for the trust, support, and relationships we have built in 2025. It was a year full of ups and downs (thank you, Mr Trump, 😊), but overall, we had a great year of investing (especially on the local front), and we hope that 2026 will deliver some more great returns. |
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1 The 13th-Cheque Game Plan | | If you’re fortunate enough to receive a bonus or 13th cheque this month, it’s a great chance to make a smart move before the year ends.
A simple rule that works well:
50% for spending, 30% for debt repayment, 20% for future-you.
Use a portion for festive fun – guilt-free. Consider topping up your TFSA or emergency fund. Clear a small debt or store account to start 2026 lighter. It doesn’t need to be complicated. Just giving your bonus a purpose already puts you ahead of most people. |
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2 Avoid the December Spending Traps | | The holidays are fantastic, but the “Janu-worry” hangover is not. A few small habits can keep you out of trouble:
Make a quick December budget – gifts, travel, eating out – and stick to it. Limit “buy now, pay later” deals. They look harmless, but they pile up fast. For non-essentials, try a cash-first mindset. If you can’t pay for it now, skip it. Your January self will thank you. |
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3 Get Financially Fit for 2026 | | Before switching off your laptop for the last time this year, take 20 minutes to set yourself up for a smoother new year:
Review medical aid and gap cover while options are still open. Check in on your investments – are they still aligned with your 2026 goals? Update beneficiaries and ensure your emergency fund is stocked. Is your Will up to date? Small admin now = major peace of mind later. |
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If you’d like help reviewing anything – medical aid, investments, or your 2026 plan – I’m just a WhatsApp away. Enjoy the sunshine, the family time, and a well-deserved break! |
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Some more December tips: |
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Contact:
Mauritz Oberholzer A Financial Advisor employed by Stonehouse Capital (Pty) Ltd, an authorised Financial Services Provider (FSP 50464) Mobile: +27 82 774 1996
E-mail: mauritz.oberholzer@stonehousecapital.co.za
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