Personal Finance: *BUMPER* How to make sure you enter 2023 with your finances in order

When it comes to New Year’s resolutions, we often focus on physical health goals and ignore our financial health. Here are four things that you can do in the new year to ensure your future financial wellness.We have had several interest rate increases over the past year. It may be a good idea to take stock of your expenses and see if you are living within your means.

Earlier in the year, I shared a copy of a life file template that lists the important documents that you should have handy should you or your spouse pass away. I’m more than happy to email you a copy if you contact me.We have been through a particularly turbulent year on the investment front. It is always a good idea to revisit your investment strategy and ensure that your portfolio is sufficiently diversified to reduce any unnecessary risks.

Many financial experts recommend that you should have between 25% and 40% of your assets physically located outside the borders of South Africa.Life happens and your personal circumstances change. We do not always check to see if the risk cover that we have is appropriate for our needs. This can result in us wasting money by paying premiums for cover that we do not need.

There are two key risks to consider. You should check that you have structures in place to ensure that, should you be unable to work because of illness or disability, you will continue to receive an income until you retire.

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Personal Finance: *BUMPER* How to make sure you enter 2023 with your finances in order​​It is important that your family knows where your will and any other important documents are.
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