Pick n Pay specials - NO LONGER VALID

PROMOTION HOW TO SEE YOUR a dream holiday, this time to create one SLASH YOUR MONTHLY based on your specific financial goals). Electricity is the most FINANCES THROUGH early retirement, or starting your own THE WINTER: business. Cut out images from magazines or make a Pinterest board and print it out. Place this obvious one, so allow for that, perhaps seeing where you can reduce TIP 1 Focus on your goals What are you saving for? What is your costs in other areas such as entertainment "This can be a positive opportunity for the family to come together and brainstorm ways to keep costs low," says Elize Botha, Managing Director of Old Mutual Unit Trusts. vision board and going out, to financial vision? somewhere you'll see it every day, such as in your kitchen or compensate. "If you don't know, speak to a financial adviser who can TIP 3 HERE ARE SOME IDEAS: help you get clear on financial goals that align with your desires for your life," says Botha. If you are already clear on what you want, keeping these goals top of mind can help curb bedroom, or you Reduce electricity • Turn off lights whenever you leave a room. • Wear an extra layer of warm clothing. • Use energy-saving cooking devices or just make sure to use the correct pots and pans could take Commit and a photo of it and make that the follow through "In the same way that wallpaper for your computer or smartphone." regular exercise - even on cold and rainy days - is key to getting your summer body ready, so too is regularly (a large pan takes more energy to heat). • Cook extra to heat-and-eat the next day. • Use a hot-water bottle to warm your bed unnecessary spending. That way, it's a much easier decision to put TIP 2 instead of an electric blanket. exercising your restraint muscles when it comes • Take short showers instead of baths (this Do a seasonal that designer item (which you don't really need) back on the shelf to online purchases or also reduces your water bill). budget makeover Review your budget in light of possible seasonal changes to your lifestyle all those big SALE signs," cautions Botha. Even the best Plan before you shop This applies to everything you buy. • Draw up a meal plan for the week, because you know what you're investing towards. It's easy to forget your goals when you're in the grips of a "lust purchase" or you're forgetting to turn off lights and heaters. intentions will not which will result in less waste. prevent your budget from getting flabby if you don't back them up with action. So, next time you find yourself indulging in a little retail therapy, take a look at your • Make a list of only what you need before shopping and stick to it. • Assess what additional items of clothing are absolutely necessary so you won't be tempted to buy anything you don't need. and finances. "To accommodate some of the expenses associated with winter, you may need to cut down in other areas," Shop smarter for groceries • Buy unpackaged, seasonal fruit and veg "One way to keep your vision in focus is to indulge your creative streak by making a vision board," says Botha. "Include pictures of everything you hope to accomplish with your money, whether it's paying off your bond, says Botha. "Don't let this upset you. This kind of financial discipline is key to achieving success in building your long-term wealth." Make some time vision board and remind yourself that foregoing as well as no-name or "house brand" little luxuries now will bring you that much closer to achieving your long-term goals. "Once you have reviewed your plans and decided on the way products from your supermarket. These are usually cheaper without compromising on quality. • Stock up on essentials if they are on sale. • Instead of buying ready-made meals, cook from scratch to cut costs. to go through your existing budget, adjusting for any likely cost increases during winter (and if you don't have a budget, use forward, make every Visit oldmutualinvest.com/individual effort to commit and to start investing today. stick to the plan." PROUDLY BROUGHT TO YOU BY THE OLD MUTUAL TEAM 88 | Fresh Living - Winter 2021 pnpfreshliving.com WRITTEN BY SILKE COLQUHOUN