{"id":12312,"date":"2023-05-22T08:02:53","date_gmt":"2023-05-22T06:02:53","guid":{"rendered":"https:\/\/getitmagazine.co.za\/bloemfontein\/blog\/2023\/05\/22\/savvy-saving-tips-to-reduce-living-costs\/"},"modified":"2023-05-22T08:02:53","modified_gmt":"2023-05-22T06:02:53","slug":"savvy-saving-tips-to-reduce-living-costs","status":"publish","type":"post","link":"https:\/\/getitmagazine.co.za\/bloemfontein\/blog\/2023\/05\/22\/savvy-saving-tips-to-reduce-living-costs\/","title":{"rendered":"Savvy saving tips to reduce living costs\u00a0"},"content":{"rendered":"<h4><strong>South Africans battle to keep up with the rising costs of fuel, food, electricity and interest rate hikes yet salaries stay stagnant which makes budgeting a real battle.\u00a0<\/strong><\/h4>\n<p><span style=\"font-weight: 400\">Side hustles are a must for many to make it to the end of the month.\u00a0<\/span><span style=\"font-weight: 400\">Understanding how and where you can cut back on spending and stock up on savings is crucial.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">The first step to creating a successful budget begins with deciding on your wants versus your needs. A want is an expense that is not necessary for survival, whereas a need is essential for daily living, working and moving around. These include housing, rent or bond, transportation, utilities, food and data.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">We asked<\/span><a href=\"https:\/\/www.indwe.co.za\/business?gclid=CjwKCAjw__ihBhADEiwAXEazJmAmp_hB7T8wGLe7CQ21pSBMc7e6AfTf7ekxq-DrT5tgmddTVga6xhoCkr0QAvD_BwE\"><span style=\"font-weight: 400\"> Indwe Risk Services <\/span><\/a><span style=\"font-weight: 400\">to share tips on how to save insurance costs:\u00a0\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Get quotes on your homeowner insurance and compare them to what you are currently paying through your bank or bondholder. Switching from your bank to your insurer could save on bank costs.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Insure all your assets with one insurer to simplify the process and enjoy a potential discount<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Relook at your excess options and increase your excess payable to lower your monthly premium<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Making annual or biannual payments often results in a discount\u00a0<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Keep track of policies, especially if your life or circumstances have changed<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Reconsider the efficacy of policies. Are they still relevant and will they achieve the intended outcome should something happen?<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Make sure your insurance covers the potentially catastrophic events that can ruin you financially.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Look at alternative medical aid structures together with gap covers.<\/span><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>South Africans battle to keep up with the rising costs of fuel, food, electricity and interest rate hikes yet salaries stay stagnant which makes budgeting a real battle.\u00a0 Side hustles are a must for many to make it to the end of the month.\u00a0Understanding how and where you can cut back on spending and stock [&hellip;]<\/p>\n","protected":false},"author":113,"featured_media":12313,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[828,51],"tags":[4945,1348,130,4729],"class_list":{"0":"post-12312","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-homes-and-decor-and-garden","8":"category-lifestyle","9":"tag-costs","10":"tag-insurance","11":"tag-money","12":"tag-saving"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - 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