We help overcome some of these financial pitfalls:

Financial illiteracy

Most individuals possess relatively low levels of financial knowledge which makes them less likely to save.

Overconsumption

The percentage of income spent on consumption/living expenses continues to increase.

Debt-burdened

Most people feel that they have no choice but to get into debt. Close to one-third of those indebted, are in arrears.

Insufficient savings

Two-thirds of low-income South Africans do not save. And for those that do, their total savings is often insufficient.

Irrational behaviour

We are overconfident and react to events based on fear and greed. We struggle to manage our emotions with money. 

Risk aversion

We don’t like risk and exposing ourselves to potential short-term financial loss. Thus, we miss out on long-term financial growth. 

Lack of motivation

We lack self-control and procrastinate. This makes it difficult to make the changes we need to our spending behaviour.

Poor planning

Most people do not develop any plan to reach their savings goals. And for those that do, most do not stick to it. 

Financial illiteracy

Overconsumption

Over- consumption

Debt-burdened

Debt- burdened

Insufficient savings

Irrational behaviour

Risk aversion

Risk
aversion

Lack of motivation

Poor planning

Poor
planning

Let us help by improving financial behaviour

Choose one our three key service offerings

Nudging the financial behaviour of employees

Implementation of a financial wellness program consisting of interactive seminar presentations and engaged exercises. Employees gain an understanding of employer benefits and improve their knowledge, skills and confidence with money. This enables better management of debt and the ability to save for emergencies and retirement. By integrating this in company culture, employees feel that their company cares about their financial future. It improves workplace morale as employees are less-stressed, more engaged and more productive.

Let us help by improving financial behaviour

Choose one our three key service offerings

Nudging the financial behaviour of employees

Implementation of a financial wellness program consisting of interactive seminar presentations and engaged exercises. Employees gain an understanding of employer benefits and improve their knowledge, skills and confidence with money. This enables better management of debt and the ability to save for emergencies and retirement. By integrating this in company culture, employees feel that their company cares about their financial future. It improves workplace morale as employees are less-stressed, more engaged and more productive.

Aiding understanding of behavioural biases and spending behaviour

We are available to write articles or speak at events.

Aiding understanding of behavioural biases and spending behaviour

We are available to write articles or speak at events.

Aiding understanding of behavioural biases and spending behaviour

We are available to write articles or speak at events.

Nudging the financial behaviour of businesses

A detailed consultation with business owners and analysis of their financial information will allow us to help them not only understand and analyse past performance, but also plan for optimal performance going forward. Feedback will be specific and measurable and help business owners to identify opportunities to nudge and improve profitability and returns over the long term.

Nudging the financial behaviour of businesses

A detailed consultation with business owners and analysis of their financial information will allow us to help them not only understand and analyse past performance, but also plan for optimal performance going forward. Feedback will be specific and measurable and help business owners to identify opportunities to nudge and improve profitability and returns over the long term.

Nudging the financial behaviour of individuals

An online course which helps you take control of your financial situation. Personalised to your needs and circumstances, the course will prepare you to reflect on your behaviour with money. Whether you need to challenge your spending behaviour, tackle debt, understand retirement and tax-free savings, or improve your financial literacy, we focus on helping you build a plan to reach your financial goals and stay motivated in achieving them. Online courses available one-on-one or in small groups.

Nudging the financial behaviour of individuals

An online course which helps you take control of your financial situation. Personalised to your needs and circumstances, the course will prepare you to reflect on your behaviour with money. Whether you need to challenge your spending behaviour, tackle debt, understand retirement and tax-free savings, or improve your financial literacy, we focus on helping you build a plan to reach your financial goals and stay motivated in achieving them. Online courses available one-on-one or in small groups.

Nudging the financial behaviour of individuals

An online course which helps you take control of your financial situation. Personalised to your needs and circumstances, the course will prepare you to reflect on your behaviour with money. Whether you need to challenge your spending behaviour, tackle debt, understand retirement and tax-free savings, or improve your financial literacy, we focus on helping you build a plan to reach your financial goals and stay motivated in achieving them. Online courses available one-on-one or in small groups.

Get in touch

Let’s achieve our financial goals

One nudge at a time