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From category archives: Olemera Blog

Personal Financial planning

How to Become Financially Independent

Growing up we’re told that we need to save money so that one day we will be financially independent. However, there is quite a bit more to it than just saving money for a rainy day. In this article, our financial advisors in Johannesburg have put together some of their expert tips for becoming financially independent.

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Financial Independence – What Does it Mean to You?

Financial independence can be defined and measured in many different ways. Defining it is important, but what’s more important is figuring out why you want it, how hard you must work for it, and how much you want to achieve it.

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Becoming Financially Conscious Is the New Trend

Spending money on basically anything because you ‘simply can’, is one of the reasons why I believe most young adults are constantly in debt. Being controlled by social media and trying to stay on trends often leads most of us to living beyond our means.

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What Happens to Your Debt After Your Death?

Unfortunately, debt does not simply dissolve after you die. In fact, everything you have left to your name after you pass could be used to settle outstanding debt. What’s worse, in addition to mourning your passing, your loved ones may be faced with paying your outstanding debt if you have not taken the necessary steps to protect them.

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Finding a Debt Solution That is Right for You

There are 4 main solutions to consider if you are beyond the point of keeping up with your monthly repayments. This might mean that you are over-indebted, and you may be faced with legal action if you continue falling behind on your payments.

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How to Get Out of Debt – Four Simple Steps

Getting out of debt is not an easy task but, with hard work and commitment, it can be done. Our financial advisors in Johannesburg know that debt can be a slippery slope and, therefore, we offer debt management as one of our financial services.

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How to Use Your Credit Card Wisely – Tips from Our Financial Planners

When people talk about credit cards, there is often a lot of uncertainty that surrounds the topic and understandably so. They are a tricky thing to understand and, if not used wisely, can result in overwhelming debt. However, there are some benefits of a credit card which our financial advisors came together to discuss, and we will share them in this article.

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Understanding Debt in South Africa – What is Debt?

Although not all debt is bad, it’s important to know that even good debt can become bad if it’s not managed smartly and you cannot afford to pay it. The unfortunate reality is that South Africa is one of the countries with the most debt in the entire world. What’s worse is that South Africans tend not to save much either.

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Important Questions to Ask Your Financial Advisor

So, you have decided to speak to a financial advisor about your personal financial planning but you’re not sure what kind of questions you need to ask to make sure the person or company you have chosen is the right fit for you.

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Make Sure Your Financial Advisor Meets These Requirements

One of the most important aspects to consider when choosing your financial advisor is their qualifications and whether or not they meet the necessary requirements. Not sure what to look for? In this article we discuss the minimum requirements that all financial advisors in South Africa must meet.

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