Cape Town - Planning for one’s future involves first looking at the state of one’s finances and budgeting, according to financial planner Marc Joubert.
“If you’re not already sticking to a budget, now more than ever is the time. While it might be painful to see your spending habits, you will learn why it’s necessary to take stock of where you’re spending unwisely and where you could be saving," he explains.
“And who knows, you might also see that you’re spending unnecessarily on some things and can use that cash elsewhere. In the current climate, try not to take on new debt such as loans or clothing accounts."