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                    <title>Personal Finance &amp;gt; My Money</title>
                    <link>https://businessreport.co.za/personal-finance/my-money/</link>
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                        <title>Personal Finance &amp;gt; My Money</title>
                        <link>https://businessreport.co.za/personal-finance/my-money/</link>
                        <description>Read Personal Finance &amp;gt; My Money</description>
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                        <item>
                            <title><![CDATA[How to avoid unethical financial advice]]></title>
                            <link>https://businessreport.co.za/personal-finance/my-money/2023-12-08-how-to-avoid-unethical-financial-advice/</link>
                            
                            
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                                    <media:description><![CDATA[Advisers must fulfil the Financial Advisory and Intermediary Services (Fais) Act’s “fit and proper” requirements. Picture: Independent Newspapers.]]></media:description>
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                            <description><![CDATA[Advisers must fulfil the Financial Advisory and Intermediary Services (Fais) Act’s ‘fit and proper’ requirements. ]]></description>
                            <content type="html"><![CDATA[ <p>Advisers must fulfil the Financial Advisory and Intermediary Services (Fais) Act’s ‘fit and proper’ requirements.</p>
                                    <p><a href="https://businessreport.co.za/personal-finance/my-money/2023-12-08-how-to-avoid-unethical-financial-advice/">Read the full article</a></p>]]></content>
                            <atom:link href="https://businessreport.co.za/personal-finance/my-money/2023-12-08-how-to-avoid-unethical-financial-advice/" rel="self" type="text/html"/>
                            <pubDate>Fri, 08 Dec 2023 16:00:00 GMT</pubDate>
                            <guid isPermaLink="true">https://businessreport.co.za/personal-finance/my-money/2023-12-08-how-to-avoid-unethical-financial-advice/</guid>
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                            <title><![CDATA[The single most valuable lesson I learnt about managing my money]]></title>
                            <link>https://businessreport.co.za/personal-finance/my-money/2023-12-06-the-single-most-valuable-lesson-i-learnt-about-managing-my-money/</link>
                            
                            
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                                    <media:description><![CDATA[When it comes to personal finance, small changes can mean big changes. Picture: Independent Newspapers.]]></media:description>
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                            <description><![CDATA[When it comes to personal finance, small changes can mean big changes. ]]></description>
                            <content type="html"><![CDATA[ <p>When it comes to personal finance, small changes can mean big changes.</p>
                                    <p><a href="https://businessreport.co.za/personal-finance/my-money/2023-12-06-the-single-most-valuable-lesson-i-learnt-about-managing-my-money/">Read the full article</a></p>]]></content>
                            <atom:link href="https://businessreport.co.za/personal-finance/my-money/2023-12-06-the-single-most-valuable-lesson-i-learnt-about-managing-my-money/" rel="self" type="text/html"/>
                            <pubDate>Wed, 06 Dec 2023 13:57:00 GMT</pubDate>
                            <guid isPermaLink="true">https://businessreport.co.za/personal-finance/my-money/2023-12-06-the-single-most-valuable-lesson-i-learnt-about-managing-my-money/</guid>
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                            <title><![CDATA[How to protect your money when facing a break-up]]></title>
                            <link>https://businessreport.co.za/personal-finance/financial-planning/2023-12-05-how-to-protect-your-money-when-facing-a-break-up/</link>
                            
                            
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                                    <media:description><![CDATA[The December holidays – a time for fun, family and festivities, and, also, failed relationships. Picture: Karolina Grabowska, Pexels]]></media:description>
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                            <description><![CDATA[Ah, the December holidays – a time for fun, family and festivities, and, also, failed relationships. ]]></description>
                            <content type="html"><![CDATA[ <p>Ah, the December holidays – a time for fun, family and festivities, and, also, failed relationships.</p>
                                    <p><a href="https://businessreport.co.za/personal-finance/financial-planning/2023-12-05-how-to-protect-your-money-when-facing-a-break-up/">Read the full article</a></p>]]></content>
                            <atom:link href="https://businessreport.co.za/personal-finance/financial-planning/2023-12-05-how-to-protect-your-money-when-facing-a-break-up/" rel="self" type="text/html"/>
                            <pubDate>Tue, 05 Dec 2023 12:38:00 GMT</pubDate>
                            <guid isPermaLink="true">https://businessreport.co.za/personal-finance/financial-planning/2023-12-05-how-to-protect-your-money-when-facing-a-break-up/</guid>
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                            <title><![CDATA[Be intentional about setting boundaries this festive season]]></title>
                            <link>https://businessreport.co.za/personal-finance/partnered/2023-11-30-be-intentional-about-setting-boundaries-this-festive-season/</link>
                            
                            
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                            <description><![CDATA[This December, consider being intentional, communicating clearly, and setting boundaries, even when it’s tough to do so. ]]></description>
                            <content type="html"><![CDATA[ <p>This December, consider being intentional, communicating clearly, and setting boundaries, even when it’s tough to do so.</p>
                                    <p><a href="https://businessreport.co.za/personal-finance/partnered/2023-11-30-be-intentional-about-setting-boundaries-this-festive-season/">Read the full article</a></p>]]></content>
                            <atom:link href="https://businessreport.co.za/personal-finance/partnered/2023-11-30-be-intentional-about-setting-boundaries-this-festive-season/" rel="self" type="text/html"/>
                            <pubDate>Thu, 30 Nov 2023 11:19:00 GMT</pubDate>
                            <guid isPermaLink="true">https://businessreport.co.za/personal-finance/partnered/2023-11-30-be-intentional-about-setting-boundaries-this-festive-season/</guid>
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                            <title><![CDATA[Financial and mental health are interconnected]]></title>
                            <link>https://businessreport.co.za/personal-finance/my-money/2023-10-31-financial-and-mental-health-are-interconnected/</link>
                            
                            
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                                    <media:description><![CDATA[They say money can’t buy you happiness. But does happiness help prevent poor financial decisions? Picture: Independent Media]]></media:description>
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                            <description><![CDATA[They say money can’t buy you happiness. But does happiness (or at the least, a sound mind) help prevent poor financial decisions?]]></description>
                            <content type="html"><![CDATA[ <p>They say money can’t buy you happiness. But does happiness (or at the least, a sound mind) help prevent poor financial decisions?</p>
                                    <p><a href="https://businessreport.co.za/personal-finance/my-money/2023-10-31-financial-and-mental-health-are-interconnected/">Read the full article</a></p>]]></content>
                            <atom:link href="https://businessreport.co.za/personal-finance/my-money/2023-10-31-financial-and-mental-health-are-interconnected/" rel="self" type="text/html"/>
                            <pubDate>Tue, 31 Oct 2023 17:00:00 GMT</pubDate>
                            <guid isPermaLink="true">https://businessreport.co.za/personal-finance/my-money/2023-10-31-financial-and-mental-health-are-interconnected/</guid>
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                            <title><![CDATA[Youth Month: 3 budget methods young people can use to save and make ends meet]]></title>
                            <link>https://businessreport.co.za/personal-finance/my-money/2023-06-20-youth-month-3-budget-methods-young-people-can-use-to-save-and-make-ends-meet/</link>
                            <author>dhivana.rajgopaul@iol.co.za (Dhivana Rajgopaul)</author>
                            
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                                    <media:description><![CDATA[A budget can help you track your expenses each month, and make changes where needed so you can stick to your spending thresholds going forward. Picture: Mdjaff/Freepik]]></media:description>
                                    <media:thumbnail url="https://iol-prod.appspot.com/image/5b464091520de9a3f6e96f5779e30d24a452ef5d" />
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                            <description><![CDATA[A budget can help you track your expenses each month, and make changes where needed so you can stick to your spending thresholds going forward. ]]></description>
                            <content type="html"><![CDATA[ <p>A budget can help you track your expenses each month, and make changes where needed so you can stick to your spending thresholds going forward.</p>
                                    <p><a href="https://businessreport.co.za/personal-finance/my-money/2023-06-20-youth-month-3-budget-methods-young-people-can-use-to-save-and-make-ends-meet/">Read the full article</a></p>]]></content>
                            <atom:link href="https://businessreport.co.za/personal-finance/my-money/2023-06-20-youth-month-3-budget-methods-young-people-can-use-to-save-and-make-ends-meet/" rel="self" type="text/html"/>
                            <pubDate>Tue, 20 Jun 2023 15:42:00 GMT</pubDate>
                            <guid isPermaLink="true">https://businessreport.co.za/personal-finance/my-money/2023-06-20-youth-month-3-budget-methods-young-people-can-use-to-save-and-make-ends-meet/</guid>
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                            <title><![CDATA[Capitec Live Better rewards clients with retail partners]]></title>
                            <link>https://businessreport.co.za/personal-finance/my-money/2022-06-14-capitec-live-better-rewards-clients-with-retail-partners/</link>
                            
                            
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                                    <media:description><![CDATA[The rewards programme is accessible to all clients and enables them to spend better simply when paying with Capitec.]]></media:description>
                                    <media:thumbnail url="https://iol-prod.appspot.com/image/11a8b1a9ae7eaf6b43dbeeeeefc826f82a852807" />
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                            <description><![CDATA[Capitec is putting real cash back into your pocket with the launch of Live Better. ]]></description>
                            <content type="html"><![CDATA[ <p>Capitec is putting real cash back into your pocket with the launch of Live Better.</p>
                                    <p><a href="https://businessreport.co.za/personal-finance/my-money/2022-06-14-capitec-live-better-rewards-clients-with-retail-partners/">Read the full article</a></p>]]></content>
                            <atom:link href="https://businessreport.co.za/personal-finance/my-money/2022-06-14-capitec-live-better-rewards-clients-with-retail-partners/" rel="self" type="text/html"/>
                            <pubDate>Tue, 14 Jun 2022 11:28:00 GMT</pubDate>
                            <guid isPermaLink="true">https://businessreport.co.za/personal-finance/my-money/2022-06-14-capitec-live-better-rewards-clients-with-retail-partners/</guid>
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                            <title><![CDATA[SA e-commerce on the up despite down economy]]></title>
                            <link>https://businessreport.co.za/personal-finance/my-money/2020-08-27-sa-e-commerce-on-the-up-despite-down-economy/</link>
                            
                            
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                                    <media:description><![CDATA[File Reuters]]></media:description>
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                                </media:content>
                            
                            <description><![CDATA[Figures recently published in Salesforce’s Global Shopping Index show a 71% upswing in global digital commerce. ]]></description>
                            <content type="html"><![CDATA[ <p>Figures recently published in Salesforce’s Global Shopping Index show a 71% upswing in global digital commerce.</p>
                                    <p><a href="https://businessreport.co.za/personal-finance/my-money/2020-08-27-sa-e-commerce-on-the-up-despite-down-economy/">Read the full article</a></p>]]></content>
                            <atom:link href="https://businessreport.co.za/personal-finance/my-money/2020-08-27-sa-e-commerce-on-the-up-despite-down-economy/" rel="self" type="text/html"/>
                            <pubDate>Thu, 27 Aug 2020 11:00:00 GMT</pubDate>
                            <guid isPermaLink="true">https://businessreport.co.za/personal-finance/my-money/2020-08-27-sa-e-commerce-on-the-up-despite-down-economy/</guid>
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                            <title><![CDATA[Is the Covid-19 e-commerce boom here to stay?]]></title>
                            <link>https://businessreport.co.za/personal-finance/my-money/2020-08-25-is-the-covid-19-e-commerce-boom-here-to-stay/</link>
                            
                            
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                                    <media:description><![CDATA[File Image: IOL]]></media:description>
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                            <description><![CDATA[The Covid-19 pandemic has accelerated the adoption of e-commerce in a way no company could have imagined. ]]></description>
                            <content type="html"><![CDATA[ <p>The Covid-19 pandemic has accelerated the adoption of e-commerce in a way no company could have imagined.</p>
                                    <p><a href="https://businessreport.co.za/personal-finance/my-money/2020-08-25-is-the-covid-19-e-commerce-boom-here-to-stay/">Read the full article</a></p>]]></content>
                            <atom:link href="https://businessreport.co.za/personal-finance/my-money/2020-08-25-is-the-covid-19-e-commerce-boom-here-to-stay/" rel="self" type="text/html"/>
                            <pubDate>Tue, 25 Aug 2020 09:00:00 GMT</pubDate>
                            <guid isPermaLink="true">https://businessreport.co.za/personal-finance/my-money/2020-08-25-is-the-covid-19-e-commerce-boom-here-to-stay/</guid>
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                            <title><![CDATA[Here are some great financial lessons for your 30s]]></title>
                            <link>https://businessreport.co.za/personal-finance/my-money/2020-08-24-here-are-some-great-financial-lessons-for-your-30s/</link>
                            
                            
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                                    <media:description><![CDATA[Via Nappy.co]]></media:description>
                                    <media:thumbnail url="https://iol-prod.appspot.com/image/e17df4fb03688d6ad3ad18275ed6347faf2f5960" />
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                            <description><![CDATA[You can afford to take risks and make a few mistakes. ]]></description>
                            <content type="html"><![CDATA[ <p>You can afford to take risks and make a few mistakes.</p>
                                    <p><a href="https://businessreport.co.za/personal-finance/my-money/2020-08-24-here-are-some-great-financial-lessons-for-your-30s/">Read the full article</a></p>]]></content>
                            <atom:link href="https://businessreport.co.za/personal-finance/my-money/2020-08-24-here-are-some-great-financial-lessons-for-your-30s/" rel="self" type="text/html"/>
                            <pubDate>Mon, 24 Aug 2020 11:00:00 GMT</pubDate>
                            <guid isPermaLink="true">https://businessreport.co.za/personal-finance/my-money/2020-08-24-here-are-some-great-financial-lessons-for-your-30s/</guid>
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                            <title><![CDATA[Building a second-stream of income to take you through the 'tough times' is now vital]]></title>
                            <link>https://businessreport.co.za/personal-finance/my-money/2020-08-19-building-a-second-stream-of-income-to-take-you-through-the-tough-times-is-now-vital/</link>
                            
                            
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                                    <media:description><![CDATA[File Image: IOL]]></media:description>
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                            <description><![CDATA[The Covid-19 pandemic has demonstrated the fragility of having a single source of income, particularly if you are self-employed. ]]></description>
                            <content type="html"><![CDATA[ <p>The Covid-19 pandemic has demonstrated the fragility of having a single source of income, particularly if you are self-employed.</p>
                                    <p><a href="https://businessreport.co.za/personal-finance/my-money/2020-08-19-building-a-second-stream-of-income-to-take-you-through-the-tough-times-is-now-vital/">Read the full article</a></p>]]></content>
                            <atom:link href="https://businessreport.co.za/personal-finance/my-money/2020-08-19-building-a-second-stream-of-income-to-take-you-through-the-tough-times-is-now-vital/" rel="self" type="text/html"/>
                            <pubDate>Wed, 19 Aug 2020 15:00:00 GMT</pubDate>
                            <guid isPermaLink="true">https://businessreport.co.za/personal-finance/my-money/2020-08-19-building-a-second-stream-of-income-to-take-you-through-the-tough-times-is-now-vital/</guid>
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                            <title><![CDATA[How to plan during a pandemic - Lessons from 4 women in finance]]></title>
                            <link>https://businessreport.co.za/personal-finance/my-money/2020-08-07-how-to-plan-during-a-pandemic-lessons-from-4-women-in-finance/</link>
                            
                            
                                <media:content
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                                    <media:description><![CDATA[Via Nappy.co]]></media:description>
                                    <media:thumbnail url="https://iol-prod.appspot.com/image/0ffddfae8a6092c9c188633199dc575d996c4860" />
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                            <description><![CDATA[This Women’s Month four well-known voices in the financial services sector shares their pearls of wisdom on how to plan in different aspects of life in: health, investments, business and team and how to make a difference. ]]></description>
                            <content type="html"><![CDATA[ <p>This Women’s Month four well-known voices in the financial services sector shares their pearls of wisdom on how to plan in different aspects of life in: health, investments, business and team and how to make a difference.</p>
                                    <p><a href="https://businessreport.co.za/personal-finance/my-money/2020-08-07-how-to-plan-during-a-pandemic-lessons-from-4-women-in-finance/">Read the full article</a></p>]]></content>
                            <atom:link href="https://businessreport.co.za/personal-finance/my-money/2020-08-07-how-to-plan-during-a-pandemic-lessons-from-4-women-in-finance/" rel="self" type="text/html"/>
                            <pubDate>Fri, 07 Aug 2020 15:00:00 GMT</pubDate>
                            <guid isPermaLink="true">https://businessreport.co.za/personal-finance/my-money/2020-08-07-how-to-plan-during-a-pandemic-lessons-from-4-women-in-finance/</guid>
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                            <title><![CDATA[3 ways that the national lockdown can help us see money, and savings, differently]]></title>
                            <link>https://businessreport.co.za/personal-finance/my-money/2020-07-28-3-ways-that-the-national-lockdown-can-help-us-see-money-and-savings-differently/</link>
                            
                            
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                                    <media:description><![CDATA[ToBeConfirmed]]></media:description>
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                            <description><![CDATA[The first few months of 2020 will go down in history as some of the most financially and emotionally draining experienced by South Africans. While most of us understood and supported the rationale behind government’s lockdown response, none of us could have anticipated the massive impact that total lockdown would have on our lives, finances and mental wellbeing. ]]></description>
                            <content type="html"><![CDATA[ <p>The first few months of 2020 will go down in history as some of the most financially and emotionally draining experienced by South Africans. While most of us understood and supported the rationale behind government’s lockdown response, none of us could have anticipated the massive impact that total lockdown would have on our lives, finances and mental wellbeing. </p>
                                    <p><a href="https://businessreport.co.za/personal-finance/my-money/2020-07-28-3-ways-that-the-national-lockdown-can-help-us-see-money-and-savings-differently/">Read the full article</a></p>]]></content>
                            <atom:link href="https://businessreport.co.za/personal-finance/my-money/2020-07-28-3-ways-that-the-national-lockdown-can-help-us-see-money-and-savings-differently/" rel="self" type="text/html"/>
                            <pubDate>Tue, 28 Jul 2020 13:00:00 GMT</pubDate>
                            <guid isPermaLink="true">https://businessreport.co.za/personal-finance/my-money/2020-07-28-3-ways-that-the-national-lockdown-can-help-us-see-money-and-savings-differently/</guid>
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                            <title><![CDATA[In these tough times, this is how many South Africans are trying to save]]></title>
                            <link>https://businessreport.co.za/personal-finance/my-money/2020-07-27-in-these-tough-times-this-is-how-many-south-africans-are-trying-to-save/</link>
                            
                            
                                <media:content
                                    height="1115"
                                    type="image/jpeg"
                                    url="https://iol-prod.appspot.com/image/d5ac3f7e9bfa26bdd194393e124510c1061e6767"
                                    width="2000"
                                >
                                    
                                    <media:description><![CDATA[ToBeConfirmed]]></media:description>
                                    <media:thumbnail url="https://iol-prod.appspot.com/image/d5ac3f7e9bfa26bdd194393e124510c1061e6767" />
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                            <description><![CDATA[Here are how some South  Africans are saving and what you can do to be apart of this group. ]]></description>
                            <content type="html"><![CDATA[ <p>Here are how some South  Africans are saving and what you can do to be apart of this group.</p>
                                    <p><a href="https://businessreport.co.za/personal-finance/my-money/2020-07-27-in-these-tough-times-this-is-how-many-south-africans-are-trying-to-save/">Read the full article</a></p>]]></content>
                            <atom:link href="https://businessreport.co.za/personal-finance/my-money/2020-07-27-in-these-tough-times-this-is-how-many-south-africans-are-trying-to-save/" rel="self" type="text/html"/>
                            <pubDate>Mon, 27 Jul 2020 15:43:00 GMT</pubDate>
                            <guid isPermaLink="true">https://businessreport.co.za/personal-finance/my-money/2020-07-27-in-these-tough-times-this-is-how-many-south-africans-are-trying-to-save/</guid>
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                        <item>
                            <title><![CDATA[4 ways the repo rate drop can help you take control of your finances]]></title>
                            <link>https://businessreport.co.za/personal-finance/my-money/2020-07-27-4-ways-the-repo-rate-drop-can-help-you-take-control-of-your-finances/</link>
                            
                            
                                <media:content
                                    height="1122"
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                                    url="https://iol-prod.appspot.com/image/9ac367864cab82f4556ccbcf4981812503142c62"
                                    width="2000"
                                >
                                    
                                    <media:description><![CDATA[ToBeConfirmed]]></media:description>
                                    <media:thumbnail url="https://iol-prod.appspot.com/image/9ac367864cab82f4556ccbcf4981812503142c62" />
                                </media:content>
                            
                            <description><![CDATA[The SARB announcement to reduce the repo rate offers South Africans some much needed financial relief. ]]></description>
                            <content type="html"><![CDATA[ <p>The SARB announcement to reduce the repo rate offers South Africans some much needed financial relief.</p>
                                    <p><a href="https://businessreport.co.za/personal-finance/my-money/2020-07-27-4-ways-the-repo-rate-drop-can-help-you-take-control-of-your-finances/">Read the full article</a></p>]]></content>
                            <atom:link href="https://businessreport.co.za/personal-finance/my-money/2020-07-27-4-ways-the-repo-rate-drop-can-help-you-take-control-of-your-finances/" rel="self" type="text/html"/>
                            <pubDate>Mon, 27 Jul 2020 07:00:00 GMT</pubDate>
                            <guid isPermaLink="true">https://businessreport.co.za/personal-finance/my-money/2020-07-27-4-ways-the-repo-rate-drop-can-help-you-take-control-of-your-finances/</guid>
                        </item>
                    

                        <item>
                            <title><![CDATA[Money habits you can learn from women]]></title>
                            <link>https://businessreport.co.za/personal-finance/my-money/2020-07-24-money-habits-you-can-learn-from-women/</link>
                            
                            
                                <media:content
                                    height="1106"
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                                    url="https://iol-prod.appspot.com/image/e17df4fb03688d6ad3ad18275ed6347faf2f5960"
                                    width="2000"
                                >
                                    
                                    <media:description><![CDATA[ToBeConfirmed]]></media:description>
                                    <media:thumbnail url="https://iol-prod.appspot.com/image/e17df4fb03688d6ad3ad18275ed6347faf2f5960" />
                                </media:content>
                            
                            <description><![CDATA[A Budget Insurance survey revealed that 54% of women save for emergencies or unexpected costs compared to 46% of men. ]]></description>
                            <content type="html"><![CDATA[ <p>A Budget Insurance survey revealed that 54% of women save for emergencies or unexpected costs compared to 46% of men.</p>
                                    <p><a href="https://businessreport.co.za/personal-finance/my-money/2020-07-24-money-habits-you-can-learn-from-women/">Read the full article</a></p>]]></content>
                            <atom:link href="https://businessreport.co.za/personal-finance/my-money/2020-07-24-money-habits-you-can-learn-from-women/" rel="self" type="text/html"/>
                            <pubDate>Fri, 24 Jul 2020 15:00:00 GMT</pubDate>
                            <guid isPermaLink="true">https://businessreport.co.za/personal-finance/my-money/2020-07-24-money-habits-you-can-learn-from-women/</guid>
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