Rejoice Mbasa - Sanlam Financial Adviser in Mthatha

01/06/2026

Let go of money shame—it's only holding you back. Financial struggles happen to everyone, but shame won’t fix them. Instead, focus on learning, growing, and taking control of your finances.

31/05/2026

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/

29/05/2026

🌟 Financial Tips for the Young Professionals of South Africa 🌟

Young people often give in to instant gratification with their salaries, which can derail long-term financial goals.

Young professionals are urged to set solid financial goals, be it for the short and long term.

💡 Tip: Plan for both simple and complex financial decisions carefully. Make smart money moves now to benefit your future financial freedom and wealth creation.

Here are 5️⃣ tips selected by Rejoice Mbasa sourced from the Sowetan Online Publication to consider when building a foundation of financial discipline:

🔸Start early, start small

🔸Consider investing tax-free

🔸Flexibility around risk

🔸Avoid trying to “keep up with the Joneses”

🔸Financial knowledge is powerful

If you have questions, reach out to Rejoice on the digital business card link below
https://www.sanlamadvice.co.za/adviser/rejoice-mbasa

27/05/2026

There's no one-size-fits-all answer to determining your life insurance needs. Your life cover should be based on your income, debts, and the financial needs of your loved ones, especially if they rely on you.

The goal?

To protect their future, no matter what life throws your way.

Rejoice Mbasa unpacks the types of cover you may need and how to review your cover 👉 - read more here: https://www.sanlamadvice.co.za/adviser/rejoice-mbasa/blogs/how-to-determine-your-life-cover-needs/

24/05/2026

Income protection insurance helps protect your income if illness or injury prevents you from working. It can cover up to 85% of your salary, helping you manage bills, debt and daily expenses. It is especially valuable for breadwinners, self-employed people and those without large savings.

Do I need income protection insurance? Get clear on risks, income gaps, and how to keep your finances stable if illness or injury affects your earnings—secure peace of mind.

21/05/2026

Did you know that the average South African working in the formal sector earns roughly R25-28 000 at the *moment?

Chris, Nozipho and Anele share how they budget their 25k salary. 👇👇👇
https://www.sanlamreality.co.za/wealth-sense/how-do-i-budget-my-r25-000-salary/

QUESTION: How do you budget your salary?

Share your best tips, tools & tricks in the comments! You may learn something new from our community.

* - https://businesstech.co.za/news/wealth/804137/this-is-the-average-salary-in-south-africa-right-now-13/

20/05/2026

Many women are solely responsible for their children 👩‍👧‍👦

SHARE this privately with a colleague or friend on WhatsApp who needs to see this -
https://wa.me/?text=https://www.sanlamadvice.co.za/adviser/rejoice-mbasa/blogs/single-mothers-even-more-at-risk-when-losing-their-income/

The importance of making careful provision should something unforeseen happen to a single mom cannot be overstated, as there is not a second stream of income generated by another person in their household.

When a single mother loses her ability to earn, the financial consequences can be devastating. 😳

Here is how you can plan and protect your income as a single mother, or when you have dependents.

Read more - https://www.sanlamadvice.co.za/adviser/rejoice-mbasa/blogs/single-mothers-even-more-at-risk-when-losing-their-income/

19/05/2026

Learn from these 4 Pay Day Tips shared by Rejoice Mbasa

Most South Africans tend to first spend money on ‘wants’ and leave savings for last.

This is because spending is instant, visible and tangible.

The only way to make savings work for you, is to pay yourself first, otherwise you'll never have any money left over for future goals.



Rejoice Mbasa
📞 0728339414 / 0728339414
📧 [email protected]
Metropitan Place, 1st floor, Corner Leeds and Craister street, Mthatha, 5099

16/05/2026

A mother’s love protects her family every day – now it’s your turn to protect her 💐

Life is unpredictable, but planning ahead gives your family the security and peace of mind they deserve.

With Sanlam Funeral Cover, you can get cover from just R56 a month, with no waiting period for accidental death and the option to include up to 22 family members on one policy.

Speak to Rejoice Mbasa, 0728339414 today to put the right protection in place.

15/05/2026

💰 Financial Independence Tips for Young Professionals Working in South Africa 🇿🇦

Young South Africans often struggle with financial literacy, making the road to financial independence tough. highlighted 4 common mistakes made by working professionals in their youth and how to avoid them:

1. 💳 Using credit to overspend: Rachel, a 50-year old consultant advises paying with cash, starting to save early, and valuing compound interest.

-Book a chat with Rejoice Mbasa for some guidance.
https://www.sanlamadvice.co.za/adviser/rejoice-mbasa

2. 💸 Neglecting savings: While a 40-something Sanele suggests saving small amounts regularly, redirecting extra income into investments, and setting strict budgets.

3. 🏦 Not preparing for retirement: Pregs, also in her 50s emphasizes the importance of starting a retirement fund early to maximize tax benefits and ensure a secure future.

4. 📚 Fear and financial illiteracy: Dhivya, on the other hand recommends overcoming the fear of the financial system by educating yourself and being cautious about financial advice from any and every sources.

What are some financial mistakes you can warn your younger self about?

https://businesstech.co.za/news/finance/722868/4-financial-mistakes-young-south-africans-make-and-how-to-avoid-them/