As a nation, experts have given South Africans very little hope financially. Our political instability has landed us in junk status resulting in little confidence for foreign investors, our economy is consumer driven with a high emphasis on buying “stuff” and we rank amongst the lowest when saving and investing for our futures are concerned.
80% of South Africans are financially stressed, 90% of us are living from pay cheque to pay cheque and more than 11 million are behind on major payments such as cars and homes. By combining all these statistics, we find that after approximately 40 years of employment 94% of our population still cannot retire.
Well, there is hope!
One only needs to open your eyes to look for it. Ask for assistance and you shall receive it. This is not only the point but ultimately the goal of Smart Money. Our experts put their minds and experience together with the vision of a more financially educated, informed and self-empowered nation. A better-informed individual at the end of the day has the tools to make Smart Money Choices.
It all starts with you.
Becoming financially secure and eliminating that overwhelming and overbearing debt we all acquire throughout our life is a far easier process than you would think. Sometimes it may feel like we are struggling to get out of the driveway of life on our journey to financial abundance. Well, let me ask you… Do you have a destination in mind? Do you have a plan for getting there? Have you even made that choice to start the journey?
Our goal is to get you cruising the open roads towards a debt-free financial haven. With our careful, concise and well thought-out 8 step programme of financial management and budgeting, we will be that hands-on coach whispering tips of encouragement and blowing our whistle for that extra rep of debt minimising that you didn’t realise you could achieve.
Change your mindset!
Once you have changed your mindset and decided to actively do something to get you in that 6% of South Africans that can retire comfortably, well then, our journey together can begin. We take you through a process of allocating your money to where you need it to go before its gone, to assisting in designing a bullet proof financial plan, aka “GPS planned route”, towards your own personalised destination. We support you with our amazing online tools, innovative digitalised content and in person “chicken soup” solutions. The next step is preparing you for any “oopsies” along the way by putting enough away for those possible hard times ahead and showing you exactly how eliminating debt is achieved.
It is just as easy in the long run to grow your assets and own your own house and car outright, it all starts with you. With no debt and an amazing net worth to your name covered by comprehensive risk covers and investments completely personalised and chosen by you, well you’re cruising. Your petrol tank is full, the air conditioning system is set just right, the spare wheel is pumped up and prepared for emergencies and the route is so well set out that it may even feel like you’re on auto pilot.
A financial state of survival (barely) is not where you have to be, where you are is not where you have to stay. Imagine retiring on a deserted beach somewhere exotic in a mansion owned by you with your feet buried in soft white sand and your ankles surrounded by crystal clear water. Achieving your own dreams and goals are easier than you think, all you need to do is ask and we will work with you to make them a reality.