Why the need for a Financial Wellness Programme?

Nobody plans to live a life being stressed by financial worries; however, this is the reality currently affecting most South Africans. As a consequence employees are not fully engaged in their workspace resulting in reduced productivity which causes increased stress on employees.

The remedy requires a practical approach that allows people to change their behaviour to live a better life.

The Smart Money Financial Wellness Programme provides a company’s employees with financial advice and education backed up with the tools and resources that allow them to understand the behavioural changes that they need to make as well as enabling them to do so.

The Smart Money
Financial Wellness Ladder

The Smart Money Financial Wellness Ladder depicts where we all start; in the search for Financial Safety to where we need to aspire to be, Financial Freedom. It is important to understand that there are several steps to Financial Independence and that this is a journey and not an overnight success.

Smart Money will work with you to take you from a point of Financial Survival right up to Financial Freedom.

Let's get organised!

We are committed to making a positive difference to help our fellow South Africans get personally and financially organised!

The Smart Money
Financial Wellness Approach

The journey to financial wellness for your employees starts with the first presentation that will introduce them to the “8 steps of financial wellness”. Understanding how these steps work and implementing them in their personal capacity is the first step to financial freedom.

Smart Money will work with employees to ensure that each person understand their ability to make changes and help them work through our 8 step process.

By the end of our 8 Step Process, which is available as online course, each person should be more financially and personally organised and understand what they need to do in order to achieve their financial goals!

Financial Wellness Programme

The Employee Programme Advantage

The Smart Money Employee Programme combines our online Smart Money Academy with face-to-face support to give employees the best experience. 

Online Presentations

Pick and choose which topic specific live webinars you would like for your employees.

Financial Planning

We work in partnership with Ubuntu Capital Financial Planners so they can assist with any financial planning needs your employees might have.

On-Boarding Videos

Get shown how to use all the tools and resources available to employees in person

Will Service

Thanks to Ubuntu Capital we are able to provide your employees with a Last Will and Testaments to everyone that requests one - online!

Employee Programme Difference

Nothing beats having someone showing you what to do and how to go about it.

Smart Money has a range of topic specific webinars that you can tailor for your company. These are live training webinars where employees can ask questions from the safety of their homes during these COVID-19 times.

Our 8 Steps to Financial Wellness online course is also free to all members on the Employee Programme.

With our online webinars, we show employees how they can take control of their financial future, save thousands of Rands and let them ask questions and engage with presenters to get the most out of this experience.

With the help of our online platform resources and courses, employees can learn how to structure their budget, create a debt snowball plan, develop a savings plan and learn how to start and carry out a financial action plan.

Live Webinars

Enquire today about our live online topic specific webinars which are customised to your business!

Tailor a programme in order to get the most appropriate topics to your employees as soon as possible. Thanks to our online employee financial wellness survey we can assist in finding out exactly where your employees are struggling and prioritise the right webinars for them.

Below are a few of the webinars we offer.

Breaking the pay-cheque-to-pay-cheque cycle

Get an introduction to our financial wellness approach and learn how to change your behaviour.

How to make your money last

Learn what a zero-sum budget is, why it is important to budget this way and how to implement your own zero-sum budget.

Understanding and managing your debt

Learn the difference between good and bad debt together with how to create a debt snowball that will allow you to manage your and reduce your debt.

Importance of a Financial Action Plan

Understand the importance of a Financial Action Plan, get the Smart Money framework and learn how to complete your own plan.

Building an Emergency Savings Fund

Understand what a Emergency Savings Fund is, why it is important, how much you need and how you can save towards one.

Buying a Car and Home

Learn what factors to consider when buying a car and house in order to minimise your financial risk and reduce your debt.

Improving your Credit Score

Learn what a credit score is, why it is important, what affects your score, how to get your score and how to improve it.

Understanding Risk Insurance

Learn about the importance of Life Insurance, Income Protection and Dread Disease Cover and understand when you need them.

Understanding how Medical Aid and Medical Insurance works

Learn about the different aspects of medical aids and how this differs from medical insurance.

Starters guide to Investing

Learn about the different types of investments, what to look out for and how to get professional advice.

Retiring a Millionaire

Understand how much you need to retire “financially well” , how to start saving and how compound interest works.

Learn how to Save Money

Get the Smart Money Savings Template, learn how to manage your budget and use saving tools available to you.

Estate Planning and where to start

Understand the importance of Last Wills and Testaments and learn the Estate Planning basics.

Understanding your Personal Tax obligations

Learn the basic tax obligations as an individual, when you need to pay tax and how to go about doing it.

What you need to know about Funeral Plans

Understand what you need to know about Funeral Plans and what to look out for.

What every employee gets access to...

Online Courses

Take our online courses and learn how to make Smart Money Choices

Will Specialists

Every Smart Money member is eligible for a FREE Last Will and Testament

Online Budget Planner

Get access to our own cloud based Budget Planner

Financial Tools

Access online tools that will help you get financially organised

Podcasts

Learn about each of our 8 Steps with Mark Pilgrim on Hot 91.9

Financial Coach

Get access to a Financial Coach who can give you personal assistance

Articles

With over 200 articles we have your financial education taken care of

Resources

Download a wide variety of resources to get you organised

Edu-Bytes

Our very own bite sized articles around a specific topic

Email Journeys

Pick and choose educational journeys that you are interested in

Financial Safety Report

Get a personalised safety report when you do the Smart Money Assessment

Partner Services

We have partnered with several companies to help you get organised

Let's get started!

Are you the decision maker?

Then let’s get started today!

Are you an employee?

Become the office hero and nominate your company!