Life events
Being a student
Student life can be more expensive than you think. These resources can show you how to live and spend within your means, and still have a great time.
Key points
- Stretch your dollar by separating your wants from your needs.
- Make a budget to control your spending.
- Get help through study loans and scholarships.
- Do your sums before taking a private degree.
Buying a home
Your property is probably the biggest purchase you will make. Do you know how to determine if you can afford the property you’re eyeing?
Key points
- Buying a home is a long-term commitment that requires careful planning.
- How much you can borrow depends on your age and existing liabilities, among other things.
- Review your loan regularly to see if re-financing can help you save on interest.
Getting married
Thinking of settling down? Start your life together on the right foot. These resources can help you prepare for your big day and beyond.
Key points
- Be prepared by attending a marriage preparation course.
- Budget for your wedding, honeymoon and other expenses.
- Plan your joint finances and discuss your financial goals.
- Sort out the important things first — like health and life insurance.
Starting work
Getting your first pay-check? These resources can help you lay the foundation for good saving and spending habits as you start out in the workplace.
Key points
- Lay the foundation for good saving habits.
- Control your spending and credit card usage.
- Manage your disposable income by creating a budget.
- Aim to set aside three to six months of salary for a rainy day.
- Set your financial goals early and work to achieve them.
Unexpected events
When sudden and unexpected events happen, there may be significant financial changes you have to deal with. These resources highlight what to look out for.
Key points
- Review all joint-accounts when going through a divorce.
- Assess where you can cut back your spending if you lose your job.
- Plan to keep your finances afloat after the loss of a breadwinner.
National Service
Save or splurge your NS allowance? These resources can help you to save and stretch your dollar until the next payday.
Key points
- Saving up is possible while you're serving the nation.
- Plan how you spend every time you book out, so you have enough until the next payday.
- Work on a budget to keep your finances as fit as you are.
Having children
Expecting a child? Congratulations! These resources can help you prepare for the arrival of your baby and help you manage your finances as your family grows.
Key points
- Be prudent with your expenses, before and after baby arrives.
- Have adequate insurance coverage for yourself and your child.
- Teach your child good money habits through everyday activities.
- Plan ahead and start saving for your child's education.
Buying a car
Should I buy a car or consider other ways of commuting? These resources can help you decide on what works best for you.
Key points
- Compare the cost of owning a car and using public transport.
- A car is generally a depreciating asset. Check ahead to estimate how much you can resell your car for.
- Take out a car loan only if you can afford the monthly repayments, motor insurance, maintenance cost and are willing to accept the depreciation of the car's value.
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