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Date
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Topic
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Radio
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22 September
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1 Budgeting
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This will include needs and wants, budgeting and prioritising needs over wants particularly in line with adjusting budgets in the light of the financial impact of COVID-19.
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29 September
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2. Communicating About money
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How can this best be practiced in different scenarios e.g. within the family – black tax considerations, when applying for loans, when we falling behind with debt repayments and needing to request for payments restructuring.
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06 October
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Saving and Goal Setting
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What products are suitable for short, medium and long-term savings
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13 October
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Credit Do’s and Don’ts
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· Including Good vs Bad credit
· Why it is important to consider the TOTAL cost of credit before taking a loan and whether I can afford monthly repayments
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20 October
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Building a Credit Profile
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· What is a credit profile? And what is meant by negative listing?
· what is a credit report and what things must I check for in a credit report?
· What is debt review/counselling?
· How do I repair my credit profile if necessary?
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27 October
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Saving for Retirement
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· Why it is important for young people to start saving for retirement from an early age
· Different ways to save for retirement including – Pension, Provident funds and Retirement Annuities
· What to do with my retirement savings when I am changing jobs?
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03 November
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Investing
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· What is investing and how it differs from saving
· What are the various building blocks when investing – shares, bonds, property
· How to identify and avoid investment scams
· The importance of consulting with a financial planner or adviser and what questions I should ask them
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10 November
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Insurance
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· What long-term insurance should young people consider when starting out in the job market?
· What is the difference between funeral and life policy?
· What is meant by disclosure?
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17 November
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Managing Wills and Estate planning
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· What financial considerations to make before getting married or when cohabiting with a partner?
· Financial considerations if I am staying single
· Why do I need a will and what needs to be included in a will?
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24 November
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Consumer Rights and Summary
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· What to do if I have been treated unfairly or if I have a complaint
· A summary of all the key topics discussed over the series
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