{"id":24,"date":"2016-01-18T15:25:19","date_gmt":"2016-01-18T13:25:19","guid":{"rendered":"http:\/\/zcp.co.za\/main\/?p=24"},"modified":"2016-08-17T15:38:56","modified_gmt":"2016-08-17T13:38:56","slug":"another-5-financial-reflections-for-2016","status":"publish","type":"post","link":"https:\/\/zcp.co.za\/main\/another-5-financial-reflections-for-2016\/","title":{"rendered":"Another 5 Financial Reflections for 2016"},"content":{"rendered":"<div id=\"pl-24\"  class=\"panel-layout\" ><div id=\"pg-24-0\"  class=\"panel-grid panel-no-style\" ><div id=\"pgc-24-0-0\"  class=\"panel-grid-cell\" ><div id=\"panel-24-0-0-0\" class=\"so-panel widget widget_black-studio-tinymce widget_black_studio_tinymce panel-first-child panel-last-child\" data-index=\"0\" ><div class=\"textwidget\"><p style=\"text-align: justify;\">Looking forward to another year of financial success means embracing monetary mistakes of the past. More importantly, you need to be honest with yourself about where you currently are and where you want to be.<\/p>\n<p style=\"text-align: justify;\">Here are another 5 Financial Reflections from 2015, for 2016:<\/p>\n<p style=\"text-align: justify;\"><strong>Don\u2019t let yourself be pressured into buying designer goods<\/strong><br \/>\nBranding is such a huge part of the modern consumer society, yet there are generic products that deliver exactly the same level of quality. Buying high-ticket items might make you feel good about yourself in the short term, but in the long run your frugality makes more sense.<\/p>\n<p style=\"text-align: justify;\"><strong>Learn to say you\u2019re broke when you are<\/strong><br \/>\nThere is no shame in admitting this, especially when you consider how many people are living above their financial comfort level on credit. If your friends want to go to an expensive restaurant, don\u2019t be afraid to suggest a bring-and-braai at your place rather; or delay the excursion until you have sufficient cash flow available.<\/p>\n<p style=\"text-align: justify;\"><strong>Make the most of what you\u2019ve got<\/strong><br \/>\nScavenge your wardrobe, some of the clothes that you haven\u2019t been wearing are probably still in good nick. Check to see what you have before rushing off and buying new stuff. Fix things that are broken, reupholster, add a fresh coat of paint, and if all else fails look for second-hand bargains.<\/p>\n<p style=\"text-align: justify;\">We live in a throw-away culture, avoid ostentatious display and appreciate the small things in life.<\/p>\n<p style=\"text-align: justify;\"><strong>Be honest with yourself about wasting money<\/strong><br \/>\nYou can easily lose hundreds of rands on buying coffee every morning, going to convenience stores regularly and not eating the food in your fridge before it goes off. These are avoidable expenses that don\u2019t need to be completely eradicated but can definitely be reduced.<\/p>\n<p style=\"text-align: justify;\">By lowering your costs on daily commutes, meals, conveniences and personal luxuries you could quickly accrue a sizeable emergency fund.<\/p>\n<p style=\"text-align: justify;\"><strong>Only use credit for emergencies<\/strong><br \/>\nFirst, you need to consider what you define as an emergency. A malfunctioning gearbox, a burst water heater, a sudden visit to the doctor\u2019s office. Once you start buying everyday items, such as groceries, on credit there should be warning lights going off in your head. Don\u2019t think of credit card limits and overdraft limits as your money, it\u2019s the bank's money that you\u2019re using and it\u2019s best not to forget it.<\/p>\n<p style=\"text-align: justify;\">Turn your reflections into resolutions and forge a firm financial future for 2016.<\/p>\n<p style=\"text-align: justify;\">In need of financial advice? I can help you out. Let\u2019s get in touch!<\/p>\n<p style=\"text-align: justify;\">Source: <a href=\"http:\/\/www.fin24.com\/Opinion\/10-financial-resolutions-for-2016-20151231\" target=\"_blank\">fin24<\/a><\/p>\n<\/div><\/div><\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Looking forward to another year of financial success means embracing monetary mistakes of the past. More importantly, you need to be honest with yourself about where you currently are and where you want to be. Here are another 5 Financial Reflections from 2015, for 2016: Don\u2019t let yourself be pressured into buying designer goods Branding [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":25,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3,4,2],"tags":[],"class_list":{"0":"post-24","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","6":"hentry","7":"category-blog","8":"category-financial-planning","9":"category-tips","11":"post-with-thumbnail","12":"post-with-thumbnail-large"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Another 5 Financial Reflections for 2016 - ZC PRETORIUS<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/zcp.co.za\/main\/another-5-financial-reflections-for-2016\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Another 5 Financial Reflections for 2016 - ZC PRETORIUS\" \/>\n<meta property=\"og:description\" content=\"Looking forward to another year of financial success means embracing monetary mistakes of the past. More importantly, you need to be honest with yourself about where you currently are and where you want to be. 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