Chantal and Drikus Venter, a couple from Empangeni, have mastered the art of enjoying life while being financially responsible. Both working full-time—Chantal as an occupational therapist and Drikus as a primary school teacher—they share household expenses and ensure they manage their finances carefully.
“We both have our own expenses, for example, he handles the rent while I take care of the grocery costs,” explained Chantal. The couple follows a strict monthly budgeting system, ensuring they have enough for their essential needs while setting aside R300 for entertainment or dining out.
“We make sure to save the R300 if we need it for something bigger,” she added. Their budgeting plan allows them to enjoy life without financial strain.
Chantal advises other couples to avoid unnecessary debt, particularly credit card debt and loans. “Putting away R50 or R100 a month for something you look forward to really adds up,” she said. She emphasized the importance of communication, especially when it comes to financial matters. “It’s crucial to talk openly about money so that we are both on the same page and can achieve our goals together.”
John Manyike, head of Financial Education at Old Mutual, also highlighted the importance of communication in managing finances as a couple. He explained that couples who discuss their financial goals—whether it’s buying a home, saving for a vacation, or planning for retirement—are better equipped to avoid misunderstandings and work together toward shared objectives.
When dealing with debt, Manyike emphasized transparency and teamwork. Couples should have clear conversations about their debts, decide whether to handle them individually or collectively, and make practical decisions based on their situation.
Manyike also shared expert tips for managing finances effectively as a couple: setting aligned financial goals, budgeting jointly, having open communication, and scheduling regular “money meetings” to review and plan their financial strategy.
“Treat your financial situation as a partnership,” Manyike concluded, stressing that open discussions about finances are key to a successful and sustainable financial life together.
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