eBizRadio and FnB have teamed up to produce a series of podcasts examining and explaining the financial services industry in South Africa – the goal of these podcasts is to educate and share insights on the various personal savings and investment issues and options that we all face.
Cale Hollis, Head of Strategic Analytics – Savings and Investments at FNB South Africa, shares his insights on the concept of ”Paying yourself first”.
In essence this involves splitting your income and having one section ”cornered” off for expenses, the rest of your income can then be spent as needed for day-to-day expenses.
On a daily basis, its the little expenses that add up; a chocolate here, cigarettes/a drink there. All these expenses add up; by sticking to a budget plan and split accounts; one can save for the UNEXPECTED.
We unpack the following:
- SAVINGS CULTURE in the country; what is being saved, compared to what should be saved?
- How does the current economic climate affect savings and is there a direct correlation?
- What are the implications of not saving for the average person?
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