Mandy Nel Financial Planning

01/06/2026

South Africa’s private healthcare sector is set for a major shake-up next week as Bonitas Medical Fund begins a new phase of its operations, handing over its administration to Momentum Health from June.

South Africa’s private healthcare sector is set for a major shake-up next week as Bonitas Medical Fund begins a new phase of its operations.

31/05/2026

The hidden cost of smoking
In today’s challenging economic environment, to***co use is emerging as both a medical risk and a financial burden, placing even more pressure on overall wellbeing. On average, South African smokers spend an estimated R3 000+ per year on ci******es, an expense that, for many households, could instead contribute towards essential everyday expenses.

https://www.bonitas.co.za/news-article/in-this-economy-your-cigarette-habit-may-be-costing-you-more-than-your-health/

28/05/2026

Financial planning is not only about numbers — for me, it’s about helping people create peace of mind, prepare for life’s unexpected moments, and build the future they truly want.

Whether your goals are buying a home, planning for retirement, growing your investments, or simply managing your money more effectively, having a clear financial plan can make all the difference.

I believe that the earlier you start planning, the more opportunities you create for long-term growth and financial security.

A good financial plan doesn’t just protect your future — it gives you confidence in the present.

If you’re ready to take control of your financial future, I’d love to help you create a plan that aligns with your goals and lifestyle.

25/05/2026

Your salary should be more than just a way to get through the month — it should be the starting point of your future wealth.
https://iol.co.za/personal-finance/financial-planning/2026-05-15-from-salary-to-portfolio-a-guide-to-financial-independence/

This insightful article highlights the shift from simply earning an income to intentionally building a financial portfolio through disciplined saving, investing, and long-term planning. Financial independence doesn’t happen overnight, but with the right strategy and guidance, even small steps today can create lasting security tomorrow.

As a financial advisor, I help clients turn financial uncertainty into clear, achievable plans tailored to their goals and lifestyle.

Ready to move from “just surviving” to building real financial freedom?
Connect with me today and start creating a future your income can grow into.

Discover how to shift your mindset from merely surviving on your salary to building a sustainable financial portfolio. Learn the essential steps for budgeting, saving, and investing to achieve long-term financial independence.

21/05/2026

Quick question:

Do you currently have a financial plan in place for the next 5–10 years?

YES — I have a clear plan
SORT OF — but it needs attention
NOT YET — I keep meaning to start

Many people delay financial planning because life gets busy — but small steps taken today can make a big difference later.

If you’d like guidance on investments, retirement planning, risk cover, or building long-term financial security, let’s chat.

18/05/2026

What’s the biggest financial goal you’re working toward right now?

Buying a home?
Saving for retirement?
Paying off debt?
Building an emergency fund?
Growing investments?

Financial planning looks different for everyone — but having a plan makes all the difference.

Share your biggest financial goal in the comments.

14/05/2026

Your future deserves more than “someday” planning.
From retirement and medical cover to wills and policy reviews — the right guidance can make all the difference. Chat with me today to start planning with confidence.

11/05/2026

Most people only think about tax planning when filing season arrives… but by then, you may already have missed valuable investment opportunities.

Financial experts are encouraging South Africans to start tax-year planning early — because consistent investing throughout the year can significantly improve long-term returns through compounding and smarter tax efficiency.

From Tax-Free Savings Accounts to retirement contributions, small decisions made early in the tax year can create meaningful long-term value. Waiting until deadlines approach often leads to rushed financial decisions instead of strategic planning.

I believe financial planning should never be reactive. The best financial outcomes come from having a clear strategy, reviewing your goals regularly, and making your money work smarter all year round.

The earlier you start, the more opportunity your investments have to grow.
https://iol.co.za/business/savings/2026-05-06-start-your-tax-year-planning-now-for-better-investment-returns/

Planning at the start of the tax year, rather than rushing at the deadline, can significantly improve long-term investment outcomes.

07/05/2026

South African professionals facing sudden career transitions, such as resignation or retrenchment, are at a critical financial crossroads where the first 90 days can determine their long-term financial security. While this is a “high-risk financial window”, it can also be a great opportunity for recalibration and growth.
https://iol.co.za/personal-finance/financial-planning/2026-05-01-financial-security-in-transition-strategies-for-the-first-90-days/

04/05/2026

Estate planning is often seen as a task reserved solely for the wealthy. In reality, it is an important pillar of financial wellness for anyone who wants to ensure their loved ones are protected and their assets are managed according to their wishes.

https://iol.co.za/personal-finance/financial-planning/2026-04-28-maximising-estate-protection-with-wills-and-trusts/

Need estate planning assistance?

Please contact me.