Money Talks e-Newsletter | November 2025 |
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| | | Plan Your December Wallet – Before It Plans You |
We all know how it goes – one braai, one “quick” lunch out, and suddenly the bonus is gone.
This year, give yourself a spending plan, not a budget. Decide upfront how much you’re happy to spend on gifts, travel, food, and festive fun. | Quick fix:
Move your December spending money into a separate account. When it’s done, it’s done. You’ll enjoy your holidays guilt-free – and January won’t feel like a financial hangover. |
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| | | Check Your Interest Rate – It Could Be Costing You |
If you’ve had your home loan or car finance for a few years, your rate might not reflect your improved credit score or lower risk. A quick phone call can save you thousands. | Quick fix:
Ask your bank or bond originator:
“Can you review my rate based on my current credit profile?”
Even a 0.25% drop can make a big difference – that’s more money for your goals (or your holiday). |
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Pay Future You First – Automate It |
Saving feels hard in December, but it’s also the best time to start fresh. Set up an automatic transfer into a savings or investment account right after payday – before spending kicks in. | Quick fix:
Start with R500 or R1 000 a month in a tax-free savings account. You won’t miss it now, but you’ll thank yourself by next festive season. |
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Final Thoughts |
December is about rest and connection – not debt and stress. A few smart moves now can help you relax knowing your finances are under control. |
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| 3 Medical Aid Review Season is open!! |
Most medical aids have released their new annual increases and changes to their plans. Please make sure you review your plan in advance and give yourself enough time to make changes before the end of the year. Upgrades are only available at the end of the year so make your changes before the 15th of December. |
| Discovery Health Medical Scheme 2026 Contributions |
| Listen to my latest podcast on how to protect yourself against scams |
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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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