maya fisher-french
@mayaonmoney
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Money Maven, financial consumer journalist with 25 years of industry knowledge to help people take control of their money. Educator not influencer. #mayaonmoney
South Africa
Joined June 2009
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Speaking to 30 yr old who’s feeling down about her finances- or lack thereof. In my early 30’s I found myself unemployed, with an overdraft, no retirement savings, 2 small kids & a hefty mortgage. 15 years later my finances are on track. So don’t stress, just start
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I am getting very annoyed by the complete misunderstanding of currency manipulation. NO it is not the reason we have a weak currency. It happened 6 years ago and had to do with short-term price manipulation. I need to write an article to explain in layperson terms...
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Dear
@tito_mboweni
and
@EdKieswetter
I have just paid my provisional tax. I would like it spent on improving education, better railway systems, decent healthcare, reducing crime & if any left, supporting the arts. I really do not want it spent on Minister's cars & suits
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I get a call from a woman claiming to be from the "South African government data center" who can assist me with my credit issues if I just give her my ID number. I ask her who she is really working for as this SA data center does not exist. She says Belpeak Investments, and
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If
@CyrilRamaphosa
is to slowly allow business to start operating, to avoid lobbying it should not be based on selecting sectors but rather set health&safety standards. Those that can comply can operate. Every business is “essential” to those who rely on it for income
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Just received an email from a teacher aged 58 retiring from the
@GEPF_SA
. He receives R1.6 million gratuity plus R37 000 income for life increasing with inflation. This is the value of leaving your retirement funds to grow.
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The National Consumer Commission has hit Vodacom with a R1 million fine for charging a 75% cancellation penalty on sim-only contracts. Vodacom refused to cancel the contract unless the 75% penalty was paid. This is in contravention of the Consumer Protection Act. Frankly,
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Fantastic news from
@sarstax
today "who carried out a massive inter-governmental search and seizure operation across five provinces to break the back of a sophisticated criminal syndicate of alleged coal-smugglers, who played a major role in exacerbating the energy crisis and
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I am absolutely terrified of the discussions around a state of disaster for electricity. After our covid experience of not being able to buy open-toed shoes, hot food and the irrational smoking ban. What would they come up with now!!
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Having stand-off with bank. They call me and want me to verify my identity but won't say why they are calling until they verify me. But how do I know it's them? There are so many phising scams. We need a better system...
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You need to check with your bank if you have credit insurance but I can tell you that
@CapitecBankSA
&
@AfricanBank
cover pays the premium, up to 12 months, for clients on short time or compulsory unpaid leave where the reduction in basic income is 20% or more.
This is very important information. Reaaaaaally important.
Thank you Maya.
RT and share.
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Announcement by
@Discovery_SA
Life that it will give higher PayBack rewards to clients who are vaccinated. Also have warned that those who do not vaccinate may be subject to higher risk rating on premiums due to increased risk. This is going to cause a rumpus with anti-vaxxers
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One thing Lockdown has shown is a need for innovative financial products that meet the needs of people who do not earn regular salaries. That is my next hobby-horse...
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To
@Our_DA
- if your strategy for the elections is fear-mongering you are not getting my vote. Create a forward thinking policies!
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Shoprite "assured customers that bulk of its supermarkets Shoprite, Checkers, Usave around the country are stocked & operational. No need for stockpiling.“We appeal to all South Africans to remain calm as our supply chain is now able to supply into most stores again.”
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4 hours of loadshedding- my solar panels are keeping me sane. House and office fully powered by the sun today and even charging battery. It has been worth the investment.
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So honoured to have won the
@sanlam
Excellence in Financial Journalism Award for Consumer Financial Education. This year, more than ever, we understand the importance of financial education.
#SanlamAwards
#MayaonMoney
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Have you noticed that no one has the usual winter colds and sniffles? Masks, sanitizer and social distancing every winter?
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NSFAS issued a press release today to say 5000 students will have funding revoked. Info from SARS shows their household income is above R350k. The affected students will have 14 days to petition this decision by submitting proof of change of income to NSFAS for review
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Are you feeling January's financial stress and how are you coping with it? I’m on a spending diet for two months, so NO non-essentials! Share your strategy with me.
The
#LiveBetter
financial education series is brought to you by
@CapitecBankSA
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We have a new pandemic and it is driven by financial stress ....suicide figures released by
@Discovery_SA
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Looks like
@FNBSA
has brought a challenger to
@EasyEquities
"FNB has announced that consumers can now own shares in Apple, Amazon, Facebook, Tesla & Netflix for as little as R10" - through fractional shares. Will look into it
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Are you doing Black Friday this year? Share your Black Friday shopping and saving tips. 👇
The
#LiveBetter
financial education series is brought to you by
@CapitecBankSA
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It’s Women's Month and this August we’ll unpack the important money decisions women need to make at each life stage to become and remain empowered for long-term financial success. The
#LiveBetter
financial education series is powered by
@CapitecBankSA
.
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What financial legacy do you want to leave behind? Is it money, an education or fixed assets like property?
The
#LiveBetter
financial education series is powered by
@CapitecBankSA
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NO! A 75 basis point interest rate hike is crazy in the current environment. I can't believe such a step hike was necessary. They should be looking at the lack of economic growth in the total equation
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Crypto scams are on the rise and it's vital that you equip yourself with the facts on how to spot a scam and avoid becoming a victim. This snippet of a recent Q&A with
@LunoGlobal
explains how to prevent being scammed.
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The Two Pot Retirement System: What happens if you resign after 1 September 2024?
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Who remembers this? Was my first bank account... still remember at 13 how empowering it was to have my own money
#bobT
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You can buy online food vouchers for Checkers, Shoprite through - it is sent to a recipient of your choice via SMS. Excellent way to assist someone.
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Are you anxious and stressed about managing your money? Share with me what you do to remove the anxiety from handling your finances. 👇
The
#LiveBetter
financial education series is powered by
@CapitecBankSA
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My investment portfolio statement has just been emailed to me. I have decided not to open it...
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Consumers applying for debt review are spending on average 62% of their take-home pay to service debt. However, for consumers earning R35 000 or more per month, this average figure increases to 71%. The middle-class is collapsing under debt. I hope
@CyrilRamaphosa
remembers this
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Saying "Happy New Year" is just not sounding right this time round. I have finally figured out what to say to people "Good luck for 2021". That is about the best I can do 😂
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I am so over the Black Friday hype... I have just this to say. If you were not planning buying the item, if you haven't budgeted or saved for it, if you are buying on credit - YOU ARE NOT SAVING MONEY!!!!
#BlackFriday
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The ZAR was the best performing emerging market currency last month. This is why I always warn about investment decisions made on doomsday scenarios and emotional reactions. That said, if you are planning to invest offshore, buy into rand strength
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Just got SMS from my bank “Congrats! You may qualify for a loan” - why am I being congratulated because I may qualify for a loan??? I should be congratulated for saving/investing/ securing my future and my kids’ ... we need to change this credit culture
#creditMustFall
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Why I recommend tax-free savings accounts. This investment I made 18 years ago for R50k. Wasn't the best preforming but time compounded. On redeeming I paid R100k in tax! = a third of the profit/ double the original investment. If you are investing long-term, be tax efficient!
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Have you noticed how when we talk about saving and investing no one has money to save - but when it comes to
#BlackFriday
everyone has money to spend...
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A tax-free investment account, in your child's name, is a great way to kick-start their future. Watch the full video for more tips on leaving a legacy here>
The
#LiveBetter
financial education series is powered by
@CapitecBankSA
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Mom of a boy starting high school in SA after primary school in rural Zim told me he's way ahead in class. Despite no funding, Zim educates
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Delaying gratification is a really smart way to save money! Watch the full video for car and home finance savings tips here:
The
#LiveBetter
financial education series is powered by
@CapitecBankSA
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Please do not be conned by adverts claiming they can get you out of debt review. NO ONE can get you out of debt review until the debts are fully paid. These are just con artists preying on desperate people. Rather use the fee they are charging to accelerate your debt repayment.
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Remarkable figure from
@sarstax
that says it has identified more than 26 000 individuals who had economic activity in excess of R1m but were not registered for tax! Also issued letters to 275 wealthy individuals who have financial assets abroad. SARS is on the hunt ..
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I am SO sick of
#BlackFriday
already. Can't wait for next week....I may scream if I get another press release on it. I wish people cared as much about actually saving and investing than buying more stuff we don't need.... rant over
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Repeat crypto buys can be set up to invest in a more structured way, rather than once-off purchases. Learn more in this snippet from a recent Q&A with
@LunoGlobal
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So I did a quick calculation on the 0.25% (points) cut. On R1 million mortgage you save R165. If you keep the monthly installment the same - you pay off a year earlier and save over R76 000 in interest
#ratecut
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Some perspective: level 4 is the lockdown most countries have had. SA lockdown has been very harsh
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I am SO confused - the
@HomeAffairsSA
e-site is closed due to lockdown??? Isn't that the whole point of e-services, they are online...? And haven't most departments gone back???
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The head of a large organization told me their sexual harassment cases at work have dropped significantly due to people working from home! That is an interesting statistical analysis to do...are women are safer working at home?
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Bloody hell, to fill up a tank with 50 liters will cost over R1000 from midnight!!! On a reasonably fuel efficient car of 6l/100km that is R1.30 a kilometre. Think before you drive...
#FuelPrice
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Exec govt employees car allowance capped at R700k. What is wrong with a R500k car - or quite frankly why don’t they buy their own damn cars like ordinary taxpayers do!! -
#taxpayers
#MTBPS2019
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I have a question, as your career progressed and you earned a bigger salary, did your financial stress improve or worsen?
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This was a big one.... SARB emigration no longer required. You can live overseas and still keep SA bank accounts etc. Want to encourage South Africans to keep their ties to the country
#Budget2020
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This is why
@tito_mboweni
was reluctant to hike personal tax rates. Personal tax in SA is well above our peers with similar income. We tax as if we are a high income country!
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banks will communicate with clients about payment holidays but please, don't take it if you can still afford the repayment. This is NOT a freebie - any interest will be capitalized...
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The amount of unemployed adult children being supported by their parent's retirement income is scary. Unemployment is a national crisis - we have protests about all sorts of things but not the fact that more and more people are moving into poverty as our economy cannot grow
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July is National Savings Month, and we know it is not easy to save! Need some motivation? Watch the full video here to get started >
The
#LiveBetter
financial education series is powered by
@CapitecBankSA
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This is without a doubt the most surprising budget I have covered in the last 15 years. Despite all those predictions not only are there no tax increases, but actual tax relief!
#budget2020
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Warning for
@GEPF_SA
members: The Government Pensions Administration Agency (GPAA) experienced a data breach and data has been released by the ransomware group LockBit. The full implications are still being investigated - be extra cautious of any communication claiming to come
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Thinking of buying a home and want to save for a deposit? Watch the full video for home finance savings tips here:
The
#LiveBetter
financial education series is powered by
@CapitecBankSA
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Will be doing a podcast on tax returns this week. Anything you want to know?
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Please share your clever savings tips & tricks 👇
July is Savings Month and we all know saving isn't easy! As much as we want to, it's difficult to save and stick to it. Let's share our tips and get motivated!
#LiveBetter
financial education series is powered by
@CapitecBankSA
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Reviewing what you buy day-to-day and keeping track of your ACTUAL spend will help you cut back on non-essentials. Watch this video to guide you 🔽
The
#LiveBetter
financial education series is powered by
@CapitecBankSA
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The Budget and your pocket. My 2022/2023 Budget Speech summary, from the parliamentary precinct.
#LiveBetter
#BudgetHacksWithCapitec
@CapitecBankSA
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Facing the facts when experiencing financial difficulty takes guts. Creating healthy money habits requires discipline & perseverance. Watch these tips to remove anxiety from managing money!🔽
The
#LiveBetter
financial education series by
@CapitecBankSA
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The best thing you can do right now is to plan for all your December AND January expenses. Watch this clip for tips to manage your festive season spend and new years' budget.
The
#LiveBetter
financial education series is brought to you by
@CapitecBankSA
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Currently
@StandardBankZA
Bank is offering home loan customers an option to fix their mortgage repayments to pre-June 2023 rate hike. The installment can be fixed for 9 months, but keep in mind that this extends the loan period as the installment is fixed, not the interest rate.
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Interest rates cut by another 50bps. That brings prime rate down to 7.25%. Remember (if you are not financially stretched) rather keep your bond and car installments the same - use the rate cut to reduce the period of your loan rather than the monthly installment.
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Meet Reitumetse and Mbali, two "nearly" 15 year old girls who have already started their own share portfolios. Their parents giving them tickets to last year's She Invests event, planted the seeds. If they can, everyone can
#JSESheInvests
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Don't be driven by FOMO this Black Friday. Watch this video for tips on how to ensure the deals work for you, as real savings.
The
#LiveBetter
financial education series is brought to you by
@CapitecBankSA
.
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Self employed are the worst affected - no UIF, no credit insurance, no SME relief funds.... yet they make up a significant part of our economy.
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Going through
@FNBSA
's annual price and product review - they are definitely aiming at banking the whole family. 50% fee discount for spouse, free kids' banking including free cash deposits to R500, eBucks for the whole family, subscription discounts etc. Clever strategy
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Feeling so sad. The amount of people contacting me who are just desperate. Especially small businesses already hit with load shedding are now facing closure. All their employees will be unemployed, unlikely they can get back on their feet. They cannot even commit to soft loans.
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If you’re getting a bonus or tax refund, use it wisely! Watch this clip for tips to set yourself up to be in a better financial position for next year. The
#LiveBetter
financial education series is brought to you by
@CapitecBankSA
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People are applauding the amendment to customary marriages act as women married under Customary Marriages Act are now entitled to a share of the joint estate on death of spouse or divorce. But no one is mentioning that they are now liable for their husband's debt as well
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Reset your money habits by actually saving the money you are not spending this month. Watch this clip for tips to help you save those savings!
The
#LiveBetter
financial education series is brought to you by
@CapitecBankSA
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Be pro-active when it comes to your finances and don't ignore your money challenges. Watch this video for some practical guidelines to take action and avoid panic. The
#LiveBetter
financial education series is brought to you by
@CapitecBankSA
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Now is the time to start building a foundation for wealth! Watch the full video for more tips on how to start here >
The
#LiveBetter
financial education series is powered by
@CapitecBankSA
1
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After an hour of discussion with
@StandardBankZA
about the Option 1 and Option 2 on its home loan products I think I now understand what is confusing customers. It doesn't work like some of the other banks. Writing an article to explain...
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African Bank's retrenchments will be followed by many more across many industries. We are going to pay the price for COVID and lockdown for years to come... what will we have left at the end of all this? It's devastating.
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Interested to know if any small business out there has received any funding yet from any of the various programs?
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Over the last few months people have been sending me their investment statements from large life insurance firms. I knew costs were high but honestly I never realized how high. It's appalling. I've just seen one with 4% costs. It's time to deal with this...
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My son's school has introduced an "education guarantee programme" that guarantees the child's education at the school if the parent responsible for school fees dies unexpectedly. No extra cost. That is pretty amazing - has anyone come across this at other schools?
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People managing money well often tell me their parents taught them how to budget, save and about the dangers of credit. Do you talk to your kids about money or is it a taboo subject? What money choices do you want your kids to make?
#KnowYourMoney
powered by
@CapitecBankSA
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Midlife offers you an ideal opportunity to re-evaluate your finances! Watch the full video for more midlife money tips here >
The
#LiveBetter
financial education series is powered
@CapitecBankSA
1
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I have been reading comments from legal experts and health experts regarding the
#NHIbill
- they all share the same opinion - this Bill is deeply flawed. More of a political stunt than resolving the issue of affordable healthcare.
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This is the reality of lockdown on small business: 3/4 will not survive lockdown beyond July; 68% of relief applicants have been unsuccessful; 66% had to reduce staff salaries and 71% will have to retrench if lockdown continues - read the report at
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Track what you spend and you’ll soon become aware of your ‘unconscious’ spending habits. Watch this clip for more tips to help you take back control of your finances!
The
#LiveBetter
financial education series is brought to you by
@CapitecBankSA
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I’m unpacking the details of the 2022 Budget Speech and what it means for your savings and investments. Watch this clip and please share your views and questions with me.
#LiveBetter
#BudgetHacksWithCapitec
brought to you by
@CapitecBankSA
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I am shocked and concerned about some of the misinformation around the two-pot system for retirement funds.
In this video I explain what happens to your retirement fund on 1 March 2024.
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Reader who has 261 months left on her R813k mortgage wanted to know what happens if she increased R8140 repayment by R3000. Using the
@Nedbank
online bond calculator she cuts 141 months off and saves R795k. Great calculator to play with and get motivated...
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The best legacy to leave your children is knowing they are taken care of, should something happen to you. Watch the full video for guidance on how to do it right >
The
#LiveBetter
financial education series is powered by
@CapitecBankSA
0
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Settling down and becoming a mom is the most important life stage when it comes to a women's financial plans. Watch the full video for more tips here >
The
#LiveBetter
financial education series is powered by
@CapitecBankSA
0
11
115
My submission to National Treasury is to allow access to R22,500 of RA or preservation fund. That's the amount one can take tax-free when making a withdrawal. It's small enough not to wipe out retirement provision, but puts food on the table.
What about insurance companies making acess to retirement annuity available for 3 months?
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The power of investing for dividend income: just looked at my investment balances and it is pretty ugly. But my estimated income from them (due to dividends) remains the same. Really important concept to understand when building a retirement portfolio
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great move by
@CapitecBankSA
- offering 100% interest relief on payment holidays. Caveat is that you must maintain your full repayments post relief period. It works as a refund, 50% after 6 month and next 50%1 after 12 months. Let's see if other banks follow...
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