Behaviour of the rand influenced by political and structural factors, but also by cyclical factors.
From not earning enough or not having a desire to do so, the reasons given for South Africans not saving are myriad.
Banks and the state have a role to play to change the thinking of South Africans, writes Lynley Donnelly.
The majority of households are forced, or choose, to spend most of their income and just keep their fingers crossed about the proverbial rainy day.
Reform is needed to simplify products for which the returns are barely worth the investment, writes Maya Fisher-French.
The key to being financially savvy and literate has been revealed: Teach your children about money matters from an early age.
Pravin Gordhan stresses that government departments have to stretch their resources and fund their projects with their own cashflows.
Paying off your debts does not mean you don't have to save.
Can pooling all your 10c together make a difference to your bank account in the long run?
South Africa has a high level of cynicism which impacts our belief in our future and therefore our ability to save. We need to change our mind-sets.
How do you split your priorities when you don't have enough money to do both?
Statistics revealed that investors are starting to show some optimism towards the equities market again.
According to the Old Mutual Savings Monitor some people take up the challenge and others stick their head in the sand when it comes to debt.
Many South Africans fully intend to become diligent savers but are just not translating these intentions into action.
Your savings plan needs to cater for short, medium and long term goals.
Magazine subscriptions make a great gift and an online subscription means no postal hassles.
Whether you're a Yuppie, Dinky or Guava, you can take control of your finances by understanding the pressures that divert saving to spending.