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Monday 08:00 - 17:00 Tuesday 08:00 - 17:00 Wednesday 08:00 - 17:00 Thursday 08:00 - 17:00 Friday 08:00 - 14:30

Houston-Brown & Jackson Pty Ltd t/a Wealth Craft

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Houston-Brown & Jackson Pty Ltd t/a Wealth Craft

Building your financial future with personalized expertise and 30+ years of experience.

17/07/2026

⏳ 𝗧𝗵𝗲 𝗰𝗼𝘀𝘁 𝗼𝗳 𝘄𝗮𝗶𝘁𝗶𝗻𝗴 𝗶𝘀 𝗼𝗳𝘁𝗲𝗻 𝗯𝗶𝗴𝗴𝗲𝗿 𝘁𝗵𝗮𝗻 𝘁𝗵𝗲 𝗰𝗼𝘀𝘁 𝗼𝗳 𝘀𝘁𝗮𝗿𝘁𝗶𝗻𝗴.

Two people invest the same amount every month. One 𝘀𝘁𝗮𝗿𝘁𝘀 𝗮𝘁 𝟮𝟱. The other 𝘀𝘁𝗮𝗿𝘁𝘀 𝗮𝘁 𝟯𝟱. The difference? Time.

⏳𝗧𝗶𝗺𝗲 allows your money to grow, earn returns, and then earn returns on those returns.

💪 That's the power of 𝗰𝗼𝗺𝗽𝗼𝘂𝗻𝗱 𝗴𝗿𝗼𝘄𝘁𝗵. You don't need to invest huge amounts to build wealth. You just need to start.

📈 Because when it comes to 𝗶𝗻𝘃𝗲𝘀𝘁𝗶𝗻𝗴, time in the market often matters more than timing the market.

🙏 Your 𝗳𝘂𝘁𝘂𝗿𝗲 𝘀𝗲𝗹𝗳 won't remember the perfect moment you were waiting for. But it will thank you for getting started.

13/07/2026

𝗬𝗼𝘂𝗿 𝘀𝗮𝗹𝗮𝗿𝘆 𝗶𝗻𝗰𝗿𝗲𝗮𝘀𝗲𝗱. 𝗪𝗵𝘆 𝗱𝗼𝗲𝘀 𝗶𝘁 𝗳𝗲𝗲𝗹 𝗹𝗶𝗸𝗲 𝘆𝗼𝘂 𝗵𝗮𝘃𝗲 𝗹𝗲𝘀𝘀 𝗺𝗼𝗻𝗲𝘆?

A pay increase doesn't always mean more spending power. Inflation quietly erodes purchasing power over time.

📈 Salary increase: +5%
🛒 Groceries: +8%
⛽ Fuel: +10%
⚡ Utilities: +12%

But you 𝗖𝗔𝗡 control your plan:

✔ Review your budget regularly
✔ Increase your savings when your salary increases
✔ Invest consistently
✔ Avoid lifestyle inflation

Small financial habits today create greater financial freedom tomorrow.

10/07/2026

💸 𝓡𝓲𝓬𝓱 𝓪𝓷𝓭 𝔀𝓮𝓪𝓵𝓽𝓱𝔂 𝓪𝓻𝓮𝓷'𝓽 𝓪𝓵𝔀𝓪𝔂𝓼 𝓽𝓱𝓮 𝓼𝓪𝓶𝓮 𝓽𝓱𝓲𝓷𝓰.

Being rich often means having a 𝓱𝓲𝓰𝓱 𝓲𝓷𝓬𝓸𝓶𝓮.
Being wealthy means 𝓸𝔀𝓷𝓲𝓷𝓰 𝓪𝓼𝓼𝓮𝓽𝓼 that continue to work for you long after you've earned the money.

One buys lifestyle.

The other buys options, flexibility and freedom.
The goal isn't necessarily to earn more.
It's to build something that grows while you sleep.
𝓑𝓮𝓬𝓪𝓾𝓼𝓮 𝓲𝓷𝓬𝓸𝓶𝓮 𝓬𝓻𝓮𝓪𝓽𝓮𝓼 𝓸𝓹𝓽𝓲𝓸𝓷𝓼.

𝗕𝘂𝘁 𝘄𝗲𝗮𝗹𝘁𝗵 𝗰𝗿𝗲𝗮𝘁𝗲𝘀 𝗳𝗿𝗲𝗲𝗱𝗼𝗺.

06/07/2026

🚨 𝟑 𝐬𝐢𝐠𝐧𝐬 𝐲𝐨𝐮𝐫 𝐞𝐦𝐞𝐫𝐠𝐞𝐧𝐜𝐲 𝐟𝐮𝐧𝐝 𝐦𝐢𝐠𝐡𝐭 𝐛𝐞 𝐭𝐨𝐨 𝐬𝐦𝐚𝐥𝐥

An emergency fund isn't there for planned expenses. It's there for the things you didn't see coming.
It might be time for a review if:

⚠️ One unexpected bill would wipe it out.
💳 You rely on credit cards to cover emergencies.
😰 Losing one month's income would cause immediate financial stress.

𝐓𝐡𝐞 𝐠𝐨𝐨𝐝 𝐧𝐞𝐰𝐬? Your emergency fund doesn't have to be perfect to be useful.

Start where you can. Build consistently. Even small amounts create breathing room when life happens.

Because peace of mind isn't built overnight. It's built one deposit at a time.

03/07/2026

𝐉𝐮𝐥𝐲 𝐓𝐚𝐱 𝐃𝐚𝐭𝐞𝐬 𝐄𝐯𝐞𝐫𝐲 𝐒𝐨𝐮𝐭𝐡 𝐀𝐟𝐫𝐢𝐜𝐚𝐧 𝐒𝐡𝐨𝐮𝐥𝐝 𝐊𝐧𝐨𝐰

📅 1 July – Auto Assessments begin
📅 7 July – PAYE due
📅 13 July – Tax filing opens
📅 25 July – VAT due

01/07/2026

𝗠𝗮𝗻𝘆 𝗽𝗲𝗼𝗽𝗹𝗲 𝗺𝗶𝘀𝘂𝗻𝗱𝗲𝗿𝘀𝘁𝗮𝗻𝗱 𝗿𝗲𝗳𝘂𝗻𝗱𝘀

Key points:

💰 A refund usually means you paid too much tax during the year.
💰 It isn't a bonus from SARS.
💰 Review your tax affairs to understand why the refund occurred.
💰 Use refunds strategically: debt, emergency fund, investments.💰

30/06/2026

📱 Incoming call: Future You

"Hi, it's me from 10 years from now.
Just wanted to say thanks for:

✔️ Starting the emergency fund.
✔️ Updating the beneficiaries.
✔️ Taking the cover.
✔️ Investing even when money felt tight.

Turns out those small decisions mattered more than you realized."

The best time to look after your future self was yesterday.
The second best time is today.

29/06/2026

𝗪𝗲'𝘃𝗲 𝗮𝗹𝗹 𝗯𝗲𝗲𝗻 𝘁𝗵𝗲𝗿𝗲.

One minute you're checking the delivery status of last week's purchase... 🧐

The next minute you're somehow comparing air fryers, winter jackets, desk organizers and a set of silicone lids that you definitely didn't know you needed five minutes ago. 🙈

Late-night shopping has a funny way of turning "𝑗𝑢𝑠𝑡 𝑏𝑟𝑜𝑤𝑠𝑖𝑛𝑔" into "𝑦𝑜𝑢𝑟 𝑜𝑟𝑑𝑒𝑟 ℎ𝑎𝑠 𝑏𝑒𝑒𝑛 𝑐𝑜𝑛𝑓𝑖𝑟𝑚𝑒𝑑." 📦

𝙏𝙝𝙚 𝙜𝙤𝙤𝙙 𝙣𝙚𝙬𝙨? Financial wellbeing isn’t about never treating yourself. It’s about making sure your spending supports your goals, not just your impulses.

Before clicking Buy Now, ask yourself:

🛒 Do I need it?
⏰ Can it wait 24 hours?
💰 Would Future Me rather have this item or the money?

Sometimes the best financial decision is simply sleeping on it. 😴 Your wallet will thank you in the morning. 👝😊

26/06/2026

𝐓𝐡𝐢𝐧𝐤𝐢𝐧𝐠 𝐚𝐛𝐨𝐮𝐭 𝐰𝐢𝐭𝐡𝐝𝐫𝐚𝐰𝐢𝐧𝐠 𝐟𝐫𝐨𝐦 𝐲𝐨𝐮𝐫 𝐓𝐰𝐨-𝐏𝐨𝐭 𝐒𝐚𝐯𝐢𝐧𝐠𝐬 𝐂𝐨𝐦𝐩𝐨𝐧𝐞𝐧𝐭? 𝐑𝐞𝐚𝐝 𝐭𝐡𝐢𝐬 𝐟𝐢𝐫𝐬𝐭.

The Two-Pot Retirement System gives South Africans access to a portion of their retirement savings before retirement, but it's important to understand the long-term impact before making a withdrawal.

Here are three things many people don't know:

💰 𝐘𝐨𝐮 𝐜𝐚𝐧 𝐨𝐧𝐥𝐲 𝐰𝐢𝐭𝐡𝐝𝐫𝐚𝐰 𝐨𝐧𝐜𝐞 𝐩𝐞𝐫 𝐭𝐚𝐱 𝐲𝐞𝐚𝐫, and the withdrawal must meet the minimum requirements.

📋 𝐓𝐡𝐞 𝐚𝐦𝐨𝐮𝐧𝐭 𝐰𝐢𝐭𝐡𝐝𝐫𝐚𝐰𝐧 𝐢𝐬 𝐭𝐚𝐱𝐞𝐝 𝐚𝐭 𝐲𝐨𝐮𝐫 𝐦𝐚𝐫𝐠𝐢𝐧𝐚𝐥 𝐭𝐚𝐱 𝐫𝐚𝐭𝐞. If you owe SARS money, part of your withdrawal may also be used to settle that debt.

⚠️ 𝐓𝐡𝐞 𝐭𝐚𝐱 𝐢𝐦𝐩𝐚𝐜𝐭 𝐝𝐨𝐞𝐬𝐧'𝐭 𝐞𝐧𝐝 𝐭𝐡𝐞𝐫𝐞. You pay tax on the amount you withdraw today, and your retirement benefits will still be subject to the normal retirement tax rules when you eventually retire.

📉 𝐘𝐨𝐮 𝐚𝐥𝐬𝐨 𝐥𝐨𝐬𝐞 𝐭𝐡𝐞 𝐟𝐮𝐭𝐮𝐫𝐞 𝐠𝐫𝐨𝐰𝐭𝐡 𝐨𝐧 𝐭𝐡𝐞 𝐦𝐨𝐧𝐞𝐲 𝐲𝐨𝐮 𝐰𝐢𝐭𝐡𝐝𝐫𝐚𝐰 𝐭𝐨𝐝𝐚𝐲. What feels like a small withdrawal now could mean significantly less available to you at retirement.

Accessing your savings today may solve a short-term problem, but it could have a bigger effect on your long-term financial security than you realise.

Before making a withdrawal, make sure you understand the immediate tax consequences, the impact on future growth, and how it may affect your retirement outcome.

Need guidance? Houston-Brown & Jackson Pty Ltd t/a Wealth Craft can help you assess the implications before making a decision.

𝐶𝑙𝑎𝑟𝑖𝑡𝑦 𝑡𝑜𝑑𝑎𝑦. 𝐶𝑜𝑛𝑓𝑖𝑑𝑒𝑛𝑐𝑒 𝑎𝑙𝑤𝑎𝑦𝑠.

Address

Bergzicht Office Park, Block 4 Suite 23, Allensnek, Rooibok Road
Roodepoort

Opening Hours

Monday	08:00 - 17:00
Tuesday	08:00 - 17:00
Wednesday	08:00 - 17:00
Thursday	08:00 - 17:00
Friday	08:00 - 14:30

Website

https://hbj.co.za/

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