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24
JUL

From FOMO to JOMO

It’s time to replace FOMO with JOMO - from fear of missing out to the joy of missing out! Saying "no" to buying something when we’re being enticed to buy out of a fear of missing out is probably one of the most important lessons a kid can learn. Gareth Cliff and the team chat about their own experiences of buying out of FOMO, and how it cost them more in the long run. Brought to you by Coronation – an authorised financial services provider - where they see through the seen to the unseen, which helps us grow our money.
Coronation
22
JUL

Replacing Consumer FOMO with JOMO

You’re scrolling on social media and notice a friend raving about a limited offer luxury holiday package they got their hands on. Feeling a bit left out that you didn’t see this half-price deal, you click on the picturesque image that accompanied the original advert. You see there are now just three spots left, and that 8 other people are looking! Excited, you open your weather app to see what clothes you should pack for this unexpected break. It’s clearly not the best time of year to visit that city. And the hotel is located far from the key attractions. You realise the unseen truth is that it may end up costing a lot more than the all-inclusive price tag implies. And in any case, you haven’t budgeted for an overseas holiday this year.

Saving - The ultimate joy of missing out

We are constantly bombarded with advertising messages telling us how we should be buying the latest and greatest items or experiences. So it’s easy to fall into the trap of spending money on ‘stuff’ that brings that instant feeling of elation. However, if we were honest with ourselves, some of these purchases may not be the wisest. This fear of missing out (FOMO) can lure you into overspending on things you don’t need. Consistently falling for FOMO is at the cost of your future financial wellbeing. The perfect antidote is to embrace the joy of missing out (JOMO) – by foregoing overspending today and investing your money instead.

July is National Savings Month and Coronation is encouraging South Africans to overcome their urge to overspend today and rather put money aside where it can grow for their futures. Head of Coronation Personal Investments Pieter Koekemoer says, “We know it’s hard to be the odd one out. But take a moment to consider the joy of saving your hard-earned money for something really special, an experience or future goal that you’ve been dreaming about instead. That is the real meaning of saving.”

To uncover saving in the true sense, visit www.coronation.com
18
JUL

The Unseen Places Where You Can Save

Have you noticed how we’re inundated with ads about unbeatable savings and red hot offers - basically trying to get us to spend money out of impulse or convenience? But this is actually simply spending (which is the unseen) disguised as saving (the seen). July is National Savings Month and Coronation is encouraging South Africans to think about how they are spending their money, possibly on things that we really don’t need or without even realising we are doing it. Gareth Cliff and team share stories about what they’ve all spent money on - realising afterwards it was ridiculous and ended up costing more. It’s time to take stock around what needs to stay and what needs to go, where those unnecessary expenses creep in. To uncover saving in the true sense, visit www.coronation.com to see the bigger picture.
16
JUL

The Unexpected Places Where You Can Save

You’re about to go to bed as a notification flashes on your mobile screen. You see it’s a clearance sale, valid only until midnight. It occurs to you that it is probably the 10th invitation to spend to reach you today.

You resist the temptation to buy anything and you wonder if you are perhaps spending money without even realising it. So you open your banking app and look through your monthly debit orders. Within the first three line-items, you identify at least one subscription that you can’t even remember signing up for. You also seem to have been doing a lot of app purchases. You had no idea your money was going towards so many unnecessary expenses. So you decide to take action.

Facing up to your spending habits...

Resisting the onslaught of seductive advertising messages that tempt you into spending (overspending) isn’t enough. You need to dig a little deeper into your finances, almost like auditing yourself to see the unseen places your money is going.

July is National Savings Month and Coronation is encouraging South Africans to think about how they are spending their money, possibly on things that they really don’t need or without even realising they are doing it.

Head of Coronation Personal Investments Pieter Koekemoer says, “There are many hidden ways in which we spend our money unnecessarily.” He highlights memberships, subscriptions, free trials that automatically convert into billings after the first month, convenience shopping because your credit card details are saved online, or upgrading to newer models when you don’t really need to. 

“While it may take some effort to identify and close the tap on some of these running expenses, just take a moment to consider what you could do with that cash if you were to invest it. Allowing it to grow until such time that you can comfortably afford something that you really need. That is the real meaning of saving.”

To uncover saving in the true sense, visit www.coronation.com to see the bigger picture.
16
JUL

Immigration 101 with FirstPathway Partners

The idea of emigrating comes with many questions. Thankfully, EB-5 expert Dan Wycklendt from FirstPathway Partners has some of your burning questions covered in this interview with Gareth Cliff. FirstPathway Partners helps foreign investors become United States Citizens through the Department of Homeland Security Immigrant Investor (EB-5) program. Dan eloquently discusses your options for emigration to the United States through investment here.

Want to get more information on FirstPathway Partners? Get in contact here:

Local Contact: Sonja Clarke, South Africa Representative
Website homepage: www.firstpathway.com
Website SA page: www.firstpathway.com/south-africa
Mobile/WhatsApp: +24 (83) 408-5681
Email: sclarke@firstpathway.com
FirstPathway Partners
12
JUL

Welcome to The Interchange

Smart young people finally have a place to speak honestly and intelligently about the most relevant issues of the day! CliffCentral has teamed up with Absa and Tshimong and launched a debate show called The Interchange - a podcast series with some of the brightest young minds, debating critical and controversial issues in South Africa, and Africa as a whole. Gareth Cliff chats to Sazini Mojapelo, Head of Citizenship and Community Investments for Absa; Tshimong Managing Director Thami Pooe, and debate moderator Busi Mkhumbuzi, to discuss the evolution of these important conversations.
The Interchange
11
JUL

You’re Not Saving… You’re Spending

July is National Savings Month and Coronation is encouraging South Africans to save more in the true sense... by putting money aside every month instead of spending it. Are we saving in the true sense of the word? Or are we simply spending disguised as saving? Gareth, Phumi and Siya explore how easy it is to fall into the trap of spending money on something we don’t even need out of impulse or for convenience. If you put away any extra money – in the long term, it really can make a lifetime of difference. The real saving is in NOT buying discounted items that you don’t actually need. Brought to you by Coronation - an authorised financial provider.
10
JUL

Saving? Not Saving…

You’re at work. Your mobile pings that you’ve just been paid. A few minutes later you receive an email from your favourite online store, promoting payday specials. Feeling cash flush, you scroll through the deals. There’s a limited offer to ‘save 25%’ just for today so you have to move fast. You add an item to your basket.
 
You proceed to the checkout. While you hover over the ‘buy now’ button, you remember that your monthly debit orders are scheduled for tomorrow. And it occurs to you that you are about to spend money that could be channelled elsewhere. You empty your cart and get back to work.

Don’t fall for spending disguised as saving.

We are constantly bombarded with advertising messages telling us how we can “save” if we buy something. So it’s easy for us to fall prey to spending money on things we don’t really need out of impulse. When you are lured into buying unnecessary items, the unseen truth is that you are not saving, you are just spending.

July is National Savings Month and Coronation is encouraging South Africans to save more in the true sense, by putting money aside every month instead of spending it.

Head of Coronation Personal Investments Pieter Koekemoer says, “If you find yourself tempted into spending some of your hard-earned money on ‘stuff’ – things that you don’t really need, just take a moment to consider what you could eventually do with that cash if you were to invest it. Allowing it to grow until such time that you can comfortably afford what you truly desire. That is the real meaning of saving.”

To uncover saving in the true sense, visit www.coronation.com to see the bigger picture.
28
JUN

Let's Be Honest: Say What You Mean & Do What You Say

This is last in the Coronation #LetsBeHonest conversations that we’ve been having all week - from office talk, to small talk, to sweet little lies, to the things said by both men and women which may mean something completely different. Next time anyone says, “We must meet for coffee sometime” or “No offence but” or “I’ll be there in five minutes” - send us a wink. We'll both know exactly what they really mean. So, let’s just be honest. Say what you mean and do what you say - that is the core of integrity!

Brought to you by Coronation - an authorised financial services provider.
27
JUN

Let's Be Honest: Battle of the Sexes

Men are from Venus and women are from Mars? Do you think this is true? When she says “I’m fine” or “We need to talk”... what does she really mean. And when he says “I’m not ready to be in a relationship” or “You deserve better than me,” he actually means something completely different. Join Gareth, Phumi and Siya as they unpack some of the intricacies of the common phrases used by men and women when they talk to each other.

Brought to you by Coronation – an authorised financial services provider.
26
JUN

Let's Be Honest: Sweet Little Lies

Haven’t we all said it - "I’m almost there!” and "this signal is lousy, I’ll have to call you back. Gareth, Siya and Gord continue the conversation the words and sayings we use which are a bit of a stretch from the truth sometimes. That’s why when it comes to investing your money, Coronation takes everything into account – both the seen and the unseen - so your money can work better for you. #LetsBeHonest is brought to you by Coronation – an authorised financial services provider.
26
JUN

Mathe Okabo - Association for Communication and Advertising (ACA)

Would you, or someone you know, like to be the beneficiary of one of 20 copywriting bursaries to be provided through the Association for Communication and Advertising (ACA)? In developing the industry and continuing to raise its bar, the ACA's Chief Executive Officer Mathe Okabo chats to Gareth and the team about offering three-year academic bursaries to study copywriting at the AAA School of Advertising.

224 episodes

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