Northern BlueStar Financial Advisory Services authorised by Sanlam

17/07/2026

July is 💸 and with tax season landing in your inbox 📩, (hello IRP5) it’s the perfect time to reset your money-saving habits

Here’s the simple shift: "Don’t save what’s left after spending. Spend what’s left after saving."

PAY YOURSELF first 💰
Most of us follow this pattern, earn it, spend it, save what is left (if anything) but wealth works in reverse, earn it, save it, spend what is left. Think about tax for a moment, you don’t choose to pay tax, it’s automatically deducted.

What if your savings worked the same way as your tax? 🤔
Treat savings like a non-negotiable expense. Even a small amount each month builds momentum.

AUTOMATE it ⚙️
Willpower tends to be overrated, but systems win. Consider setting up an automatic transfer on payday, by moving some of your income into a savings or investment account. Start with an amount that you feel you may not miss too much at first, no thinking, no temptation. Just consistency doing its thing.

The MAGIC INGREDIENT is time. ⏳
Saving is not just about putting money aside, it is allowing it to grow, and compound interest is where growth happens. Saving R500 a month at an average return of 8% could grow to:

±R36,000 in 5 years
±R91,000 in 10 years
±R295,000 in 20 years

Same contribution. Big difference over time.

Save SMARTER, not harder🧠
July is often seen as , so use the tax system to your advantage and explore one of the following.

1.Tax-Free Savings Accounts (TFSA): Where you don’t pay tax on the interest or growth – this is perfect for medium-term savings.

2.Retirement Savings: Did you know your contributions can reduce your taxable income up to a certain limit? This means that you save, grow your money, and pay less tax – that sounds like a win-win plan.

🔁Your JULY RESET🔁
Your IRP5 shows how structured tax deductions already work in your life.

Now apply that same discipline to your savings. Instead of waiting until month-end to save, save first, treat your savings like an automatic deduction. Start by choosing an amount – R200 or R500 or more, save it as soon as you get paid, and do this every month; watch it grow.

Meeting a financial adviser is free, confidential, and accessible for you and your family.
Book your session today.
https://www.sanlamadvice.co.za/bluestar/northern/contact-us/

16/07/2026

Investing in the markets has become daunting, with the continued political and economic uncertainties, volatile markets and unstable currencies.

With the Glacier East Asia Capital Enhancer, you can invest with more certainty, without giving up the opportunity to earn high returns.

Key features:
• Five-year investment linked to a global portfolio of stocks without currency risk.
• Full capital protection.
• Opportunity to add a return diversifier to your portfolio.
• Tax-efficient structure with no tax administration burden.

Download brochure below to learn more and reach out to an investment specialist at Northern BlueStar
https://bit.ly/4fcdCDU

📩 Let’s assess if this fits your financial plan...

Setup a call below to discuss this opportunity -
https://www.sanlamadvice.co.za/bluestar/northern/contact-us/

📞035 753 1425 / 031 300 0300
📧[email protected] / [email protected]
Offices in Richards Bay, Umhalanga, Amanzimtoti - Head Office in Ballito - Unit 11, 1st Floor, New Salt Rock City Office Centre, New Salt Rock Drive, Salt Rock, 4420


This offer will expire on 24 July 2026.

12/07/2026

The 2026 Glacier Storms River Traverse is coming up - don’t miss your chance to enter!

👉Tag a friend, colleague or your financial adviser to take up the challenge!

The Glacier Storms River Traverse has become a must-do experience on the calendars of mountain bikers – whether seasoned racers chasing times or novice riders just beginning to fall in love with the sport.

The Traverse is a highly anticipated annual engagement sponsored and hosted by Glacier where we connect with our business partners, colleagues, intermediaries, clients, families and friends in a setting that lends itself to making life-long connections that go beyond work.

It’s a space to relax, cycle and celebrate together, arguably, in the most idyllic natural surroundings in South Africa.

Learn more here - https://www.sanlamadvice.co.za/bluestar/northern/campaigns/glacier-storms-river-traverse https://www.sanlamadvice.co.za/bluestar/northern/campaigns/glacier-storms-river-traverse

Family, friendships, fun, non-stop spoils and shared passion for a sport that gets its participants out onto beautiful landscapes. That’s what the Glacier Storms River Traverse weekend has grown to be over many years. Hosted in the picturesque Tsitsikamma region, the upcoming Traverse, from 31 Jul...

11/07/2026

As a parent, you want to give your children every opportunity in life, and that undoubtedly begins with the best education you can offer them. You hope your children will do well at school, obtain a qualification and pursue a career, which will ultimately enable them to gain independence and financial freedom.

Sanlam lists 3 suggestions to equip children with tools to be moneywise...

https://www.sanlamadvice.co.za/bluestar/northern/blogs/what-parents-should-be-teaching-children-about-money/12801656617453

11/07/2026

When it comes to personal finances, nothing baffles like submitting a tax return. We have gathered the information you’ll need to submit with as little stress and confusion as possible.

This 2-minute read answers essential questions about the South African Personal Income Tax Filing Season, stress and confusion not included!

10/07/2026

This article breaks down key steps - from gathering essential documents to reviewing your SARS auto-assessment - helping you avoid common mistakes and potential penalties. Being proactive now can save you time, stress, and even money later.

While tax preparation may be an enjoyable task for a select few, the majority of us groan at the thought. It needn’t be too arduous, though, if we start preparing now to ensure a smooth and stress-free filing experience come July, when income tax season opens. We’ve got you covered with simple s...

08/07/2026

🎉 Today we proudly celebrate you, Inge, and the exceptional work you do. Wishing you continued success, fulfillment, and happiness in the year ahead.

04/07/2026

💼 Building a business is only one part of the journey — protecting it is just as important.

I know this too well, as I build my own financial planning business, I understand the risk, commitment, and long hours it takes to turn an idea into something real.

I know what it means to build something from the ground up — and the responsibility that comes with making the right financial decisions along the way.

That’s exactly why I’m passionate about helping other business owners put the right safeguards in place — from income protection to business continuity planning, having the right financial structures ensures your business — and your personal finances — can withstand unexpected challenges and keep moving forward.

📩 Let’s put a plan in place that protects both your business and your livelihood.

👉 Leave you details below or learn more on my website: https://www.sanlamadvice.co.za/bluestar/northern/business-insurance/buy-and-sell-cover

📞 Phone: 035 753 1425 / 031 300 0300 / 0828739102
📧 Email: [email protected] / [email protected] / [email protected]
🏢 Office: Offices in Richards Bay, Umhalanga, Amanzimtoti - Head Office in Ballito - Unit 11, 1st Floor, New Salt Rock City Office Centre, New Salt Rock Drive, Salt Rock, 4420

03/07/2026

💰 Start saving & investing early. Every small step counts.

This Savings Awareness Month, take a moment to reflect on your money habits.

Are you saving consistently towards your future — or waiting for “the right time” to start?

The truth is, there’s no perfect moment. What matters most is getting started, even if it’s just a small amount each month.

Over time, those small, consistent contributions can grow into something meaningful — whether it’s financial security for your family, your child’s education, or the lifestyle you want in retirement.

📊 The earlier you start, the more time your money has to work for you.

💬 If your goals, income, or circumstances have changed this year, it might be the perfect time for a quick financial check-in.

👉 Learn how to build smarter savings habits - start your savings journey on my digital business card below 📩 OR send a message to chat about your plan.

📞 Phone: 035 753 1425 / 031 300 0300 / 0845082845
📧 Email: [email protected] / [email protected] / [email protected]
🏢 Office: Offices in Richards Bay, Umhalanga, Amanzimtoti - Head Office in Ballito - Unit 11, 1st Floor, New Salt Rock City Office Centre, New Salt Rock Drive, Salt Rock, 4420

I am a trusted and experienced Certified Financial Planner (CFP®) and Director of Northern BlueStar in KwaZulu-Natal. I have been in the financial services industry since 2005. Together with my team at Northern BlueStar Financial Advisory Services, we provide our clients with a greater depth of fin...

02/07/2026

WHAT CAN WE LEARN ABOUT OURSELVES IN - July and National Savings Month put a spotlight on the different ways we save and spend money. Like the many personality types, there are different ones for saving too.

Let us know which one you are and we’ll send some savings advice your way.

Find your money personality type and how to unlock your savings potential below..

Understand your money personality and unlock savings potential with habits, triggers, and smarter choices—shape your financial behaviour and start saving with purpose.