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THE GREYTON POST
NOV /DECEMBER 2025
5 Smart Money Moves Before Year-End
(PBO) . Donations to these causes are tax-deductible (up to 10% of your taxable income), and all you need is a Section 18A receipt. It’s a lovely way to help others and reduce your tax bill. 2. Top up your retirement savings If you have a retirement
our goals. Take a moment to review where your money is invested. Are you comfortable with the balance between risk and growth? Is your portfolio still in line with your 2026 goals? A short chat with your Wealth Manager can help you make small tweaks that create big wins over time. 4. Clear the clutter Look over your budget and any lingering debts. Paying off or consolidating short-term loans can free up cash flow and reduce stress heading into the new year. Even small wins - like trimming a few unused subscriptions can make a difference.
hold - travel, renovations, or a new business idea. Setting clear financial goals now helps you make smarter choices when January rolls around. And if you’re not sure where to start, consider booking a meeting with a qualified financial planner - either before the end of the year or early in 2026. A professional can help you review your goals, structure your investments, and give you the peace of mind that everything’s heading in the right direction. A quick year- end check-in doesn’t have to be complicated. Spend an hour this week reviewing, planning, and setting your intentions - your future self will thank you.
Claire Moorhouse
A s we head into the more about family braais, beach trips, and a well- earned break than about our personal finances. But before the year slips away, taking a few simple steps can help you start 2026 feeling organised and confident. holidays, most of us are probably thinking Here are five easy things you can do before 31 December to set yourself up for a stronger financial year ahead: 1. Give - and get something back If you’re donating to a local charity or community project this festive season, check whether they’re a registered Public Benefit Organisation
annuity (RA), and are potentially receiving a
year-end bonus, now’s the time to add a little extra. Contributions made before tax year-end (28 Feb 2026) can lower your taxable income by up to 27.5% of your earnings - while boosting your long-term savings. It’s like giving your future self a bonus.
3. Check your investments Markets change, and so do
5. Plan for the year ahead Think about what 2026 might
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