Ferdi Coetzee - Sanlam Financial Adviser, Klerksdorp

28/04/2024

🫂OVERCOME FINANCIAL ANXIETY🫂


Financial anxiety can lead to people feeling nervous or on edge when interacting or thinking about money, which can impact their relationship with finance.

Instead of letting financial anxiety get the better of you, take these steps to stop it:

💰REVIEW YOUR BUDGET

It is important to write down all your income and expenses so you can start planning how to spend your money.

💰Be proactive about managing your DEBT

Manage your debts by paying a little extra towards your debt each month, and paying off debts with higher interest rates sooner.

💰Start SAVING for an EMERGENCY FUND

An emergency fund can be useful for a rainy day or loss of income. You can start small and then slowly increase the amount you put away. To make the process of saving easier, you can try to automate savings so your money moves to a savings account on pay day.

💰Get a SAVING BUDDY

A savings buddy is a great way of saving money and can help you develop the discipline needed to continue the practice of saving.

💰INVEST for the long term

You may need to consider different investment products such as a tax-free savings or shares, fixed deposits, property or retirement annuities etc. Speak to me on how you can make long-term investments work for you and build wealth.

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Speak to a financial planner Ferdi Coetzee, leave a message below to be contacted for a free consultation and financial plan.
https://www.sanlamadvice.co.za/adviser/ferdi-coetzee/contact-us/

27/04/2024

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How to budget if you're living PAY CHEQUE to PAY CHEQUE

Cover non-discretionary expenses first! This means that your "NEEDS" should be factored in first 👨‍👨‍👧‍👦 🎓 🍴 before you start looking at discretionary expenses, or 'WANTS'.

Try to curb discretionary spending, start by listing those expenses from most important to least important.

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You can then remove or further reduce the expenses that appear last on the list.

Use the expertise and guidance of a financial planner Ferdi Coetzee to help you work out HOW MUCH you need TO SAVE each month and how to create a budget that helps you reach your financial goals.

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https://www.sanlamadvice.co.za/adviser/ferdi-coetzee/contact-us/

25/04/2024

Financial Literacy Tips

Prioritise 💰 SAVINGS 💰 even when living from pay-cheque to pay-cheque.

A strict approach to how you split your income between financial goals and short-term discretionary expenses is key to prioritising saving when you are living pay-cheque to pay-cheque.

The initial discomfort of putting more money 💸 towards financial freedom will be balanced out when debt is no longer a line item in your budget. 🏦

PLUS, once you've eliminated debt 👍, the fraction of your income that would've gone towards repayments can now start growing into a sizeable amount of savings so you can realise your financial goals.

See other things you can prioritise when living on pay-cheque to pay-cheque in this article. 👏 👉 Like, SHARE, follow and INVITE others to benefit from these

https://www.sanlamreality.co.za/wealth-sense/how-to-budget-if-youre-living-pay-cheque-to-pay-cheque/

23/04/2024

UNDERSTANDING YOUR PAYSLIP is one of the first steps required on the journey to financial freedom. Knowing how much you earn, how much you are spending on items like MEDICAL AID, TAX, RETIREMENT CONTRIBUTIONS impacts your budget for other monthly expenses.

Take the time today to go through your payslip with a financial adviser Ferdi Coetzee and truly understand every line on it.

📞065 112 9051
📧[email protected]
🏠1 Violet, Adamayview, Klerksdorp, 2571
Leave a message on our website to be called back - https://www.sanlamadvice.co.za/adviser/ferdi-coetzee/contact-us/







Source: https://www.news24.com/drum/Newsletter/how-to-understand-your-payslip-20210217

22/04/2024

How do you budget your salary? Share your best tips, tools & tricks in the comments! You may learn something new from our community.
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https://www.sanlamreality.co.za/wealth-sense/how-do-i-budget-my-r25-000-salary/

21/04/2024

The Power of Tax-Free Savings.
Did you know there's a way to grow your wealth tax-free?
Tax-Free Savings Accounts (TFSAs) offer a unique combination of tax-free growth, flexibility, and accessibility, making them ideal for various financial goals. Whether you're saving for a child's education, a dream vacation, or retirement, a TFSA could be the perfect tool. Learn how TFSAs work here in the article below.

Setting aside money in a long-term savings account should be a bit like dental hygiene – something of a non-negotiable to help with your financial well-being. There are many good reasons to deposit a percentage of your income into a savings plan that yields good returns.

20/04/2024

Sanlam’s flagship products now come with built-in Wealth Bonus®. 💼🌟The same quality solutions that help you prepare financially, now create extra wealth for you. So the more you invest in you, the more we invest in you.

Want to get started or still need more information? Reach out to us here: https://www.sanlamadvice.co.za/adviser/ferdi-coetzee/contact-us/

15/04/2024

'n Boodskap van Ferdi Coetzee

✍✍Om die lewe te hê waarvan jy droom, is moontlik as jy weloorwoë finansiële besluite neem✍✍

Vandeesmaand vier 🇿🇦 Suid-Afrika 30 jaar van demokrasie 🇿🇦 – 'n reis wat gekenmerk is deur vooruitgang en 'n voortgesette strewe na 'n meer regverdige, inklusiewe en vooruitstrewende gemeenskap. Maar wat beteken vryheid werklik? Dit gaan daaroor om keuses te hê – die vermoë om besluite te neem wat jou lewensreis rig.

💰💡 Wanneer ons aan vryheid d**k, veral finansiële vryheid, besef ons dat dieselfde benadering nie vir almal pas nie en dat dit oor meer gaan as om net 'n bepaalde hoeveelheid geld te hê. Dit gaan daaroor om die mag te hê om te kies wat vir jou die belangrikste is.

Die goeie nuus?

Dis nie 'n toekomsdroom nie; jy kan reeds vandag met die regte kennis en leiding jou finansiële vryheid probeer bereik. 📚 Klik hier - https://www.sanlamadvice.co.za/adviser/ferdi-coetzee/blogs - vir 'n versameling finansiële kennis op ons webwerf-blog.

Groete
Ferdi Coetzee
📞 065 112 9051
📧 [email protected]

📚📚📚TOP 3 BLOG ARTIKELS📚📚📚

1️⃣ Ongetroud en op die punt om af te tree? Hier is wat jy moet weet

Ongeag of jy ongetroud, geskei of 'n weduwee of wewenaar is, kan beplanning vir die toekoms wanneer jy aan die einde van jou werkloopbaan gekom het selfs belangriker wees as wanneer jy in 'n huishouding met dubbele inkomste of twee persone is, en is daar unieke oorwegings voor en ná jou aftrede.

📚 Lees meer - https://www.sanlamadvice.co.za/adviser/ferdi-coetzee/blogs/single-and-about-to-retire


2️⃣ Wat jy omtrent die tweepotstelsel moet weet wanneer jy uit jou aftreefonds by die werk bedank

Die tweepot-aftreestelsel wat na verwagting op 1 September 2024 in werking sal tree, gaan groot veranderinge meebring in die aftreelandskap en die reëls wat aftreefondse beheer. Hier is wat jy moet weet indien jy in die privaat sektor werksaam is.

📚 Lees meer - https://www.sanlamadvice.co.za/adviser/ferdi-coetzee/blogs/the-two-pot-system-and-resignations


3️⃣ Waarom loud budgeting besig is om TikTok oor te neem

Leer wat "loud budgeting" is en hoe jy dit kan bereik.

📚 Lees meer - https://www.sanlamadvice.co.za/adviser/ferdi-coetzee/blogs/why-loud-budgeting-is-taking-over-tiktok


📩 📧 📲 SLUIT AAN BY ONS POSLYS

Wil jy maandelikse opdaterings ontvang? 👇

Stuur ons jou E-posadres om by ons poslys gevoeg te word en 'n maandelikse opdatering van jou finansiële adviseurs by Ferdi Coetzee te ontvang.

https://www.sanlamadvice.co.za/adviser/ferdi-coetzee

14/04/2024

wants you to take a look at these 10 considerations before putting together your retirement plan.

Retirement is not a once-off event, and planning for it shouldn’t be, either. Consider these 10 factors as you get started.

🌟 #1: Build Your Nest Egg

Start saving early to ensure a financially secure retirement. Planning ahead helps you manage your money effectively and develop strong saving habits. We recommend getting started once you start earning.

🌟 #2: Know Your Needs

Every individual has unique retirement needs. Consider your daily expenses, monthly overheads, and other essentials when planning and saving for retirement.

🌟 #3: Identify Your Wants

Dreaming of travelling or pursuing new hobbies in retirement? Think about how you want your retirement to look and feel. Identifying your lifestyle goals helps you plan your retirement income effectively.

🌟 #4: Support Your Dependents

If you have dependents, consider their welfare and education costs. Factor these expenses into your retirement planning to ensure you're adequately prepared.

🌟 #5: Prepare for Emergencies

Set up an emergency fund to cover unforeseen expenses during retirement. is able to recommend solutions like the Glacier Investment Plan for additional liquidity when needed.

🌟 #6: Plan Your Legacy

Consider leaving a portion of your savings to your loved ones. Explore retirement income solutions that allow you to pass on your wealth to beneficiaries or your estate.

🌟 #7: Be Tax-Smart

Optimize your retirement savings for tax efficiency. Explore options like tax-free savings accounts (TFSA) to supplement your retirement income.

🌟 #8: Keep Planning Flexible

Your retirement plan may evolve over time. Regularly review and adjust your plan with the help of your financial adviser to stay on track.

🌟 #9: Manage Risks

Mitigate risks associated with retirement, such as longevity risk and sequence risk. Discuss strategies with your financial adviser to ensure your savings last.

🌟 #10: Choose the Right Solution

There's no one-size-fits-all retirement income solution. Work with a financial adviser like () to create a personalised plan that meets your needs and goals.

Ready to make the most of your retirement? 🚀 Speak to me Ferdi Coetzee

13/04/2024

Kontak Ferdi Coetzee - https://www.sanlamadvice.co.za/adviser/ferdi-coetzee

Een van die slimste beleggings wat jy kan maak is om te leer hoe geld werk; die spaar, die groei en gebruik daarvan om jou beste lewe te skep. Ferdi Coetzee wil jou vennoot wees om jou finansiele kennis te bou.

📞 0651129051
📧 [email protected]

08/04/2024

Leer wat "loud budgeting" is en hoe jy dit kan bereik.

“Loud budgeting has the same feeling as sneaking candy into a movie theatre… You feel like you got away with something, you feel like you’re on an adventure.” Sounds like a new year’s resolution to be more spontaneous, right? Not quite – it’s the financial advice TikTok that’s kicked...

07/04/2024

Ongeag of jy ongetroud, geskei of ‘n weduwee of wewenaar is, kan beplanning vir die toekoms wanneer jy aan die einde van jou werkloopbaan gekom het selfs belangriker wees as wanneer jy in ‘n huishouding met dubbele inkomste of twee persone is, en is daar unieke oorwegings voor en ná jou aftrede.

Whether you’re single, divorced, or widowed, planning for a future when you’ve closed the chapter on employment, may be even more important than when you’re in a dual-income or two-person household, with unique considerations before and after you retire.