Epivest BlueStar - Authorised by Sanlam

14/06/2026

"Better Financial Futures for New Fathers"


First-time fatherhood brings with it feelings of joy and excitement 😃, but it can also cause anxiety 😰. You’re no longer living for yourself alone. Instead, you become aware that all your actions impact a new person that is wholly dependent on you 👶.

This alone can make you want to rethink a few of your choices. For new fathers, the desire to contribute to the financial freedom and a fruitful life for your family is paramount 💪🏡.

Financial freedom may not be something that happens overnight 🌙, but with the right tools 🛠️, knowledge 📚, perseverance 🏋️, and discipline 🧘, it is possible.

Here are some TIPS FOR NEW DADS to get started on your journey to financial freedom:

Educate yourself
- learn what financial freedom means to you and how to manage money.

Pay off debt
- there are different methods like the snowball or avalanche, find what works for you!

Create a budget
- with a new baby, expenses change, so make sure your budget reflects that.

Build an emergency fund
- aim for 3 months of living expenses to cover unexpected costs.

Get life insurance
- protect your family in case something happens to you.

Invest for the future
- explore stocks, ETFs, or real estate (do your research first!).

Save for retirement
- plan for your golden years so your kids can focus on theirs.

Save for education
- start saving early to ensure your child has a bright future.

Follow for more tips like these.

13/06/2026

🚻 DADS - YOU NEED TO HAVE A WILL.

HERE'S WHY:

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Having a will is not a luxury of the wealthy; in fact, one could argue that middle income earners require the protection of a will more so than their wealthy counterparts.

Should you die without a valid will in place; the winding up of your estate will follow the requirements set in the Intestate Succession Act, thus disregarding any wishes that you may have had regarding the disbursement of your wealth.

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What about your kids?

Should your heirs be minors, their inheritance will be placed in The Guardians fund to be managed by the state until they are 18 years of age. The surviving spouse may end up receiving a much-reduced share of the inheritance.

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Did you know...

After all assets are sold, there is a possibility that the surviving spouse may not have sufficient funds to provide for the basic necessities of the household.

Make sure you have the final say, draft a will!

Speak to a financial adviser at Epivest BlueStar anytime for assistance - 066 232 9969
https://www.sanlamadvice.co.za/bluestar/epivest/contact-us/

10/06/2026

No matter how qualified or well paid your children become, it may all amount to nothing if they cannot manage their money.

Fortunately, as a parent you have the power to equip your children with the tools they need to be financially savvy.

https://www.sanlamadvice.co.za/bluestar/epivest/blogs/what-parents-should-be-teaching-children-about-money/5345796842170

09/06/2026

Johann Calitz says: "Strong in body. Sharp in mind. Smart with money."

Whether it’s setting up a budget, planning for the future, or getting the right advice — looking after your money is part of looking after you. 💪

FOLLOW for more on

SEE website link in bio for an interesting article to share with men called - "Prostate cancer myths – debunked"

💙 Epivest BlueStar
📞 066 232 9969
📧 [email protected]

08/06/2026

Here’s a question on :
👉 Would you trust your financial adviser with your best friend’s future?

Because great financial advice isn’t just about numbers…
It’s about helping the people you care about live better, plan smarter, and feel secure 💼📈

If you’ve been thinking about your next money move — or have a bestie who should — now’s the perfect time to start the conversation 👇

🔗 Share my details below:
Venessa Johnson
📳 0823316676
📧 [email protected]

📩 Send me a message or tag a friend who deserves solid financial guidance



👯‍♂️💙 Best Friends Day is about trust… the kind where you’d recommend something — or someone — without hesitation.

03/06/2026

Want to give your child a head start? This article shares practical, easy to apply tips - like encouraging saving early, talking openly about debt, and leading by example to build confident money habits that last a lifetime.

There’s never been a greater need for parents to give their children a solid financial foundation. For those who are unsure where to start, here are a few tips (and fun ideas) to guide you in having this conversation.

02/06/2026

A will isn’t just paperwork - it’s a plan for the people you love. Learn why having a valid will matters (especially if you have children), how it helps avoid complications, and how it can bring clarity and peace of mind for your family.

Proper estate planning, especially drafting a valid will, is essential for safeguarding your assets and ensuring your loved ones are taken care of after you’re gone. Yet, more than 70% of South Africans don’t have a will, often due to misconceptions that it’s costly, complex, or only necessary...

31/05/2026

How to budget if you're living pay cheque to pay cheque

Tip #1: FOCUS ON DEBT 👆

When you save, you're giving yourself financial freedom. When you take out credit, you're borrowing from your future self – and potentially delaying that financial freedom in the process. Ideally, 30% of income should be spent on financial goals, inclusive of servicing existing debt.

"Pay more than the minimum" 💰💰💰

As tempting as it may be, avoid paying the bare minimum instalments to eliminate debt.

"Avoid debt re-advancement – if you can" 🚫🔒🚫🔒🚫🔒
Often, people access the cash they've already paid towards their loan via a re-advance facility, which most credit providers offer.

This means the debt just gets further extended.

That said, it could make sense to make a re-advancement on a home loan, an example of responsible credit if it can help you eliminate something like a store card or personal loan.

Discuss your options with a financial planner at Epivest BlueStar / 066 232 9969, who will be able to assist in making the decision best suited to your financial situation.
https://www.sanlamadvice.co.za/bluestar/epivest/contact-us/

❗️❗️❗️ "Understand your agreements"

Common among motor vehicle finance options, a balloon payment is a lump sum you need to pay at the end of the finance term and is much larger than all the payments you would've made before it.

Often car owners aren't prepared for this payment and thus refinance it when it becomes payable, thereby extending the credit term.

Alternatively, people opt to purchase a new vehicle via finance and include the previous balloon payment into the new credit agreement (i.e., increasing the capital debt).

This continues the debt cycle and delays your financial freedom for another finance term.

TO AVOID THIS, make sure you understand the terms of any finance agreement you enter into and budget to save towards a lump sum to avoid any nasty surprises.

🎯 "Target high-interest debt first"

If you have multiple debts, there is a smart way to eliminate them and transform your budget into one that helps grow your wealth.

List all the institutions to which you owe money, and alongside it, the capital balance owing and the rate of interest that is charged on the debt. 💳

Then look to increase contributions towards the institution that is charging the highest interest rate – thereby reducing the capital debt and loan term sooner than the initial contract.

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30/05/2026

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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 at Epivest BlueStar 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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Epivest BlueStar
066 232 9969
[email protected]
Client Service Centre, Upper Level, Sheppie Mall (Dip Spar), Aiken Street, Port Shepstone,4240

28/05/2026

🌟 EVERY CAREER HAS ITS REWARDS — WHAT'S YOURS? 🌟


💬 "For me, it's guiding people from uncertainty to confidence — it's more than numbers, it's life-changing." 💡

Becoming a trusted and successful Sanlam Financial Planner takes dedication, professional qualifications, and a genuine commitment to people. It’s a career built on expertise, ethics, and long‑term relationships — and the reward comes from seeing clients reach life milestones with confidence, knowing you played a meaningful role in their journey.

💼 Johann Calitz
066 232 9969 / 0844426233

Learn more about my career here: https://www.sanlamadvice.co.za/bluestar/epivest/adviser/johann-calitz/85263288044133