Steps to Financial Freedom is the new South African financial handbook, written for anyone who has ever felt that there is just “too much month left at the end of the money”.
This handbook includes a practical guide to drawing up a budget that actually works. It gives you step-by-step help to getting yourself out of the debt trap.
And it’s just R95 for 58 pages of practical, easy-to-understand information plus personal worksheets to get your finances on track!
Steps to Financial Freedom examines why we overspend and creates awareness of when and where we are tempted to “blow the budget”. Is it that snazzy little outfit that will make you feel better about yourself for a day or two? Or is it the delectable chocolate at the store’s checkout counter that will provide comfort on a cold, lonely night?
This practical guide starts with recognising your own money challenges and goals, saving on bank charges and how to draw up and stick to a budget! It then moves on to step-by-step help to getting yourself out of the debt trap.
Once you’ve mastered these challenges, the book provides an overview of different investment options such as fixed deposit accounts, money market, income funds, endowment policies, retirement annuities, unit trusts, shares and saving on a homeloan.
In the last chapter, Steps to Financial Freedom deals with the very sensitive but important topic of what happens to your money and estate after your death. It’s so important to get that will in place!
Finally, the book provides a handy list of places that can help you with your finances.
What’s in this handbook?
Section 1: Take charge of your finances
Know yourself
Know your goals
Know about money matters
Save on bank charges
Organise your financial matters
Section 2: How to budget
Assess your financial situation
Cut your expenses
Draw up an accurate budget
Section 3: How to get out of debt
Debt reduction plan
Getting off the blacklist
In duplum rule
Debt counselling
Section 4: Invest for a brighter future
Save on your home loan
Invest in a fixed deposit account
Endowment policy
Money Market / Income Fund
Retirement Annuities (RAs)
Unit Trusts and Shares
Section 5: Wills – take care of your loved ones
Draft your own will
Administer a small estate
The costs involved in your estate
Claim death benefits in the proper way
Places to help you
For employers
What make this book unique is that it is aligned to a unit standard (SAQA ID 7469, NQF 2, 2 credits). It has a handy pullout section in the middle that contains formative and summative tasks that can be used as a Portfolio of Evidence should an accredited training provider decide to purchase the accompanying assessment pack and have it accredited.
Employers can benefit from purchasing this book, with or without the accompanying awareness and/or training sessions, for their employees. It is a well-known fact that productivity suffers when employees spend their time dodging creditors’ phone calls, or take time off to attend to their financial matters, or even stay away from work because they have run out of transport money.
For more information on Steps to Financial Freedom or Custom Publishing at Jacana, please contact:
Leigh-Ann Harris
Custom Publishing Manager
Tel: 011 628 3237
Fax: 086 517 1063
leigh-ann@jacana.co.za
For more information on accredited training, contact:
Helene Strauss
Tel: 011 472 7079
Cell: 082 920 2809
helene@write-4-u.co.za
Book details
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