It rarely feels like a financial decision at the time. A son needs a deposit for his first flat, and the bank wants more than he’s managed to save. A daughter’s small business needs a few more months to find its feet. So the money moves. An EFT, a reference line that says “loan”, and […]

It usually starts with something ordinary. The geyser bursts on a Sunday. Or the car starts making a noise that the mechanic describes, carefully, as expensive. And somewhere between the phone call and the quote, a small thought appears. There’s money in the savings pot. When the two-pot system arrived in September 2024, most people […]