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  • Personal finance
  • Duvenhage C, Keyser N
  • ISBN: 9780627038150
  • eISBN: N/A
  • ePub ISBN: 9780627038167
  • 240 Pages | Published: 2021

People often do not fully understand the consequences of their choices when it comes to their money, leaving them vulnerable to overspending and financial crises. Financial literacy contributes to alleviating this problem. Good financial decision making has a positive influence on overall wellbeing, allowing people to maximise their opportunities and lead more fulfilling lives. Personal finance teaches individuals financial skills so that they can manage their money better.


Personal finance encompasses many areas and core topics such as decision making, cash-flow management, savings, credit, debt, housing and planning for the future. Useful websites and appendices are provided for additional information and reading.


Contents include the following:

·    The macroeconomic environment, economic variables and personal finance
·    Your relationship with money
·    Time value of money
·    Introduction to investments
·    Investments: equity/stocks (shares); fixed equity; listed property; unit trusts/collective investment schemes
·    Personal finance: banking services and products 
·    Managing your credit
·    Insurance and assurance
·    Retirement


Personal finance is aimed at students as well as the average South African on the street needing guidance on managing household financial matters.

Chapter 1: The macroeconomic environment, economic variables and personal finance

Chapter 2: Your relationship with money

Chapter 3: Time value of money

Chapter 4: Introduction to investments

Chapter 5: Investments: equity/stocks (shares)

Chapter 6: Investments: fixed income

Chapter 7: Investments: listed property

Chapter 8: Investments: unit trusts/collective investment schemes

Chapter 9: Personal finance: banking services and products

Chapter 10: Managing your credit

Chapter 11: Insurance and assurance

Chapter 12: Retirement


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