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With interest rates increasing, the petrol price soaring and no end to it all in sight, staff are struggling to maintain the standard of lifestyle that they have become accustomed to and more and more are facing financia... Show More
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Instructor-Led Training (ILT)

Attend training in a classroom environment at a campus near you. Instructor-led training is still the number one delivery method of choice because it allows you to interact and discuss the training material, either individually or in a group setting, and you gain access to expert knowledge from certified instructors. This form of guided learning is impactful and produces positive learning outcomes. Day, evening and Saturday classes are offered.

Course Price (ILT)
R2,152.80

* incl. VAT

Course Content

DEVELOP AND OPERATE A PERSONAL BUDGET.

WHAT IS A BUDGET?
Do You Need To Be A Chartered Accountant To Keep A Budget?
Give Yourself An Incentive.
Getting Down To Business.
Create A Budget In Five Easy Steps
My Budget Is Failing Already?
The Golden Rules of Sound Budgeting

CASE STUDY
How Should Sophi Structure Her Budget

RANDS AND SENSE
Banks and Credits
Sensible Shopping

BUDGET TIPS:

DESCRIBE THE BENEFITS AND LIMITATIONS OF COMMERCIAL BANKING.
SAVING ACCOUNTS

BEFORE YOU OPEN AN ACCOUNT
Some Key Questions to Ask Before You Open Any Type of Account

KNOW THE LINGO.
What’s a Balance?
What’s a Withdrawal?
What’s a transaction?

DEBIT CARDS

CREDIT CARDS
Credit Cards: Different Types
Credit Cards: Personal Debt Enemy No.1
Why Credit Cards Keep You in Perpetual Debt.
Watch the Credit Card Traps

BEWARE OF GETTING SCAMMED
How Bad are their Con Games

ATM’S
Proprietary ATM.
Non-Proprietary ATM.
Reducing Your ATM Charges
Using ATM’s

PROTECTING YOURSELF FROM FRAUD
Ways to Protect Yourself

MAINTAINING GOOD CREDIT
Pay your Bills on Time
Don’t Be Too Close To Your Credit Limits
Cancel Any Credit Cards That You Don’t Use.

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USE A BANK ACCOUNT

BEFORE GOING TO A BANK

AT THE BANK

USING AN ATM:

DIFFERENT TYPES OF ACCOUNTS:
Cheque Account
Savings Account
Internet Banking:
Telephone/Cellphone
Banking Debit Cards

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OMBUDSMAN FOR BANKING

HELPFUL HINTS:

THE FUNCTIONS AND FEATURES OF HIRE PURCHASE ARE EXPLAINED

HIRE PURCHASE
Character
Capacity
Credit
Collateral

MAINTAIN AND STRENGTHEN YOUR CREDIT

BUYING AT RETAIL STORES ON CREDIT
Questions You Should Ask Yourself before Committing To Credit
How to Avoid Buying Small Items on Credit?

PURCHASE A CAR

The First Rule when Buying a Car is Not to Buy a Car You Cannot Afford
A Clean Credit Record Is Invaluable
Cash Upfront or a Big Deposit
Surety T
he Next Step Is Selecting The Right Financing Deal

INSTALMENT SALE VS LEASE SALE
Instalment Sale Agreement
Lease Sale Agreement.

KNOWING THE BIGGEST RIP-OFFS

USE CARS: BUYING RIGHT AND SELLING RIGHT.
Trade in Value
Loan Value
Retail Value

HOW TO GET TOP PRICE WHEN YOU TRADE IN OR SELL A USED CAR
First Look at the Vehicle You’re Trying to Trade or Sell
The Dealer Looks at the Vehicle you’re trying to Trade or Sell
Rule Number One When You Trade a Car in on a New Car
Negotiate
Keep in Mind that the Dealer’s Goal Is Probably to Make a Profit
You Always Ask the Questions, Not the Salesman
Get Pre-approved for a Loan.

STIFLE THOSE EMOTIONS WHEN YOU SHOP
Don’t Get Excited About The Vehicle.
Don’t Be Anxious To Close The Deal On The Same Day.
Shop At Least On Other Dealer That Offers The Same Car.
Bargain On A Lease Just Like If You Were Buying

PURCHASE A HOUSE
What’s First?
Location Is Crucial When Choosing a Home
Who Can Help?
Where Can I Learn More?
What You Can Do?
Credit
Steady Employment
Budgeting
Where Do I Go For a Mortgage?
Choosing a Home, a Neighbourhood

COST ASSOCIATED WITH BUYING A PROPERTY
TRANSFER COSTS
BOND REGISTRATION COSTS
BANK CHARGES
ONGOING COSTS
Calculating what it’s going to Cost You
Finding the Cheapest Home Loan, the Quick Easy Way
How to Save Thousands on your Home Loan
Clearing your Bond in Five Years.
Can’t Afford Such a Large Extra Monthly Repayment?
What Checks Should I Make Before Buying?

THE ROLE OF THE ESTATE AGENT
How Can An Estate Agent Assist Me?
What Are The Benefits Of Using An Estate Agent?
What Is The Role Of The Estate Agent

A PERSONAL DOCUMENT CONTROL SYSTEM IS DEVELOPED AND MAINTAINED

IMPORTANCE OF DOCUMENT CONTROL AND MAINTENANCE
Important Documents
Why is it Important?
A Simple Easy Way To Develop And Maintain A System

WHAT ABOUT TAX
Who Pays Tax
Tax Jargon
SITE
PAYE
Provisional Tax
Deductions
Restructure Your Salary
Registering as a Taxpayer
Personal Details
Bank Account Details
Remuneration
Investment Income
Retirement Annuities
Lump Sums
Deductions
PAYE and SITE
Receipts and Accrual
State Who Filled in the Form

RUNNING A BUSINESS FROM HOME
Deductions

TWO MAJOR TAX NO-NOS
Don’t Act Like an Ostrich?
Don’t Try To Hide Your Income

LAST WILL AND TESTAMENT
What is a Last Will and Testament?
What is an Executor?
Choosing Executors
Ideal Qualities for an Executor
What are the duties of an Executor?
What is Probate?
What is an Estate?
Beneficiaries
Nominate Specific Items For Specific People.
What are Conditional Gifts?
What are Living Wills?
Draw Up a Will

RETIREMENT PLANNING
Why It Pays to Sock Money Away
Why We Avoid Thinking about Tomorrow
Stop Making Excuses
Turn These Must-Do’s into Can-Do’s
How to Hit Your Savings Targets For Retirement
A FINAL WORD

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CTU Training Solutions , Updated: February 5th, 2019

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The course information above is subject to change without notification due to market trends in the industry, legislation and/or programme version updates. Terms and Conditions

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