{"id":1288,"date":"2022-05-25T09:25:22","date_gmt":"2022-05-25T09:25:22","guid":{"rendered":"https:\/\/www.indwe.co.za\/indwe-blog\/?p=1288"},"modified":"2022-05-25T11:24:03","modified_gmt":"2022-05-25T11:24:03","slug":"experts-advocate-emergency-fund-savings-to-endure-challenging-times","status":"publish","type":"post","link":"https:\/\/www.indwe.co.za\/indwe-blog\/experts-advocate-emergency-fund-savings-to-endure-challenging-times\/","title":{"rendered":"Experts advocate emergency fund savings to endure challenging times"},"content":{"rendered":"\n

Johannesburg, April 2022 <\/strong>\u2013 It\u2019s sage advice that declares, \u201cSave for a rainy day\u201d. As advocates of wise spending and prudent financial planning, Indwe BlueStar believes that it\u2019s vitally important to be prepared for times of uncertainty and the possibility of unforeseen challenges.<\/p>\n\n\n\n

Without painting too bleak a picture, one only has to look around to see the many risks and threats to our financial wellbeing, both individually and as a nation. With the Covid-19 pandemic being the most glaringly obvious financial stressor of current and recent times, we\u2019ve experienced even further strain due to civil unrest and looting, the KZN floods that crippled the harbour and the alarming hike in petrol prices, cost of living, as well as increased costs associated with power outages.<\/p>\n\n\n\n

Speaking of saving as a simple, feasible solution, Indwe BlueStar\u2019s Danie van Niekerk says, \u201cAs with most challenges, resilience and recovery starts with taking small, intentional steps toward a goal or solution. We believe that the best way to withstand times of financial uncertainty is to have an emergency fund in place.\u201d<\/p>\n\n\n\n

What is an emergency fund?<\/strong><\/p>\n\n\n\n

Historically, having enough cash saved up to cover three to six months of income is considered an ideal emergency fund. This safety net is an easily accessible account that can be drawn from in times of difficulty, whether for health emergencies, costly car repairs, periods of unemployment or loss of income, or the many other challenges that life may throw your way.<\/p>\n\n\n\n

However, for many South Africans, a six-month financial cushion seems unattainable, and an intimidating figure that can dishearten even the most prudent saver.<\/p>\n\n\n\n

Indwe BlueStar\u2019s practical steps to saving for a more secure future<\/strong><\/p>\n\n\n\n

According to van Niekerk, no amount is too small to start your emergency fund. \u201cThere\u2019s a common misconception that you need a lot of money to make an emergency fund feasible,\u201d he says. \u201cThat\u2019s simply not true! The key message is that it\u2019s fine to start small. Contribute R10 or R100 when you can, but getting started is what\u2019s important.\u201d<\/p>\n\n\n\n

Van Niekerk shares how to cultivate a sense of control and confidence by being financially prepared through saving.<\/p>\n\n\n\n

  1. Set a goal.<\/strong><\/li><\/ol>\n\n\n\n

    Consider current income, living expenses and lifestyle. Think about where unforeseen financial burdens may arise, what those situations may look like, and what you\u2019d need to face those challenges. Once you\u2019ve reached your savings goal, reassess it and aim even higher.<\/p>\n\n\n\n

    1. Start today.<\/strong><\/li><\/ol>\n\n\n\n

      Don\u2019t wait until you have a lump sum to save. Start by tucking away small amounts of money, while not forgetting to continue servicing your debts. You can save as little as R50 – R100 per month, and deposit a little extra when funds allow it. Just start somewhere.<\/p>\n\n\n\n

      1. Minimise your debt.<\/strong><\/li><\/ol>\n\n\n\n

        Minimising debt plays an important role in saving. Contribute as much as you can toward your interest-bearing loans and credit cards, so that you can reduce those monthly obligations. You\u2019ll gradually free up more funds to direct toward your emergency fund.<\/p>\n\n\n\n

        1. Automate your deposits.<\/strong><\/li><\/ol>\n\n\n\n

          By setting up automated monthly deposits into your emergency fund, you\u2019ll take the admin and worry out of saving, and you\u2019ll be less likely to lose discipline along the way. Set up an affordable automated deposit and if you have a little extra cash from time to time, you can transfer that manually.<\/p>\n\n\n\n

          1. Mitigate unnecessary expenses.<\/strong><\/li><\/ol>\n\n\n\n

            While you\u2019re trying to funnel your extra cash into your emergency savings, look for ways to cut back on lavish spending. This could be as simple as eating out less, shopping smarter, or reviewing and cancelling unused contracts or memberships.<\/p>\n\n\n\n

            1. Choose a smart savings facility.<\/strong><\/li><\/ol>\n\n\n\n

              Emergency funds need to be accessible without penalties, ideally invested into an account that earns compound interest, and it should be placed in the care of a reputable financial institution or bank.<\/p>\n\n\n\n

              1. Change your mindset.<\/strong><\/li><\/ol>\n\n\n\n

                Van Niekerk states that saving money is mostly psychological. Some may think they simply can\u2019t do it, or that they don\u2019t need to save. It\u2019s important to remember that savings provide security from unnecessary financial stress and debilitating debts incurred when the unexpected happens.<\/p>\n\n\n\n

                \u201cOnce you\u2019ve shifted your perceptions and taken your first step, you\u2019ve taken a giant leap toward establishing positive financial behaviours,\u201d says Van Niekerk. \u201cThese kinds of habits will stand you in good stead for a lifetime of confidence and stability.\u201d<\/p>\n\n\n\n

                Start saving today. If you\u2019d like to get a better understanding of your financial situation and the solutions available, contact Indwe BlueStar directly on 011 831 8011 or email danievn@indwe.co.za<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

                Johannesburg, April 2022 \u2013 It\u2019s sage advice that declares, \u201cSave for a rainy day\u201d. As advocates of wise spending and prudent financial planning, Indwe BlueStar believes that it\u2019s vitally important to be prepared for times of uncertainty and the possibility of unforeseen challenges. Without painting too bleak a picture, one only has to look around […]<\/p>\n","protected":false},"author":1,"featured_media":1289,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1288","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-general"],"yoast_head":"\nExperts advocate emergency fund savings to endure challenging times -<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.indwe.co.za\/indwe-blog\/experts-advocate-emergency-fund-savings-to-endure-challenging-times\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Experts advocate emergency fund savings to endure challenging times -\" \/>\n<meta property=\"og:description\" content=\"Johannesburg, April 2022 \u2013 It\u2019s sage advice that declares, \u201cSave for a rainy day\u201d. 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