Take Stock of your Own

Liewe Leser

Van jongs af begeer die meeste mense om eendag in ‘n kasteel of paleis te bly. Soos ’n mens ouer raak, besef jy egter dat om net eenvoudig ‘n dak oor jou kop te hê alreeds ‘n groot voorreg is.

Daar sal egter altyd verskillende opinies ten opsigte van huur of koop wees: die een sê komplekse is nou die voorloper; ‘n ander glo woonstelle vaar beter … die volgende een glo vas in losstaande woonhuise. Die groeiende vraag bly: moet ek huur of moet ek koop? Miskien is dit dan die beste om maar die raad van finansiële guru Suze Orman te volg: "Soms maak dit sin om ‘n huis te koop. Soms, afhangende van waar jy woon, maak dit eenvoudig sin om te huur." Neem jou eie en jou naasbestaandes se finansies in ag en doen dit wat die beste vir JOU is in JOU omstandighede.

En, ten spyte van waar jy huur of eiendom besit, is dit belangrik om elke sent twee keer om te draai en te kyk waar jy kan bespaar: *Werk met ‘n begroting en maak seker jy hou tred van jou uitgawes.
*Moenie onnodige skuld maak nie; of probeer jou bes om skuld so gou moontlik te delg.
*Spaar vir die dae wat jy dit rêrig nodig gaan kry… daardie maer jare wat ons almal tref.

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Dear Reader

When we are youngsters, some of us dream of one day living in a castle or a palace. As the years roll on, reality kicks in and we come to realise that to simply have a sturdy roof over the head is a great privilege.

To rent or to buy? There will always be a myriad of opinions on this. Some reckon complexes are the in thing, others prefer flats, the next firmly believes detached dwellings are the answer. But the growing question remains: ShouId I buy or rent?
Perhaps we should follow the advice of financial guru Suze Orman: "Sometimes it makes sense to own a home and sometimes, depending on where you live, it makes sense to simply rent." Take stock of your own and your loved ones’ finances and then do what is best for YOU in YOUR circumstances.

And no matter whether you rent or own property, it remains important to spend money on things that bring value to your life and save the rest of your money to secure your financial future:
*Create a budget and keep a strict watch on your expenses.
*Avoid unnecessary debt; clear away debts as soon as possible.
*Save for those rainy days when you will really need the money.

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KEEP IN MIND:

"Better the little that the righteous have than the wealth of many wicked." (Psalm 37:16).

Gerty Basson