Money Budgeting – The Key To Financial Success

Money Budgeting is a phrase that either bores them too much, or makes them depressed. But, this is how successful people deal with money – they budget. It’s a lesson that must be learned to succeed financially in this life. Here is some helpful information.

Many people are lured into the trap of spending more money each week than they are bringing in and most people are doing this without even realizing it. The main reason this happens is because we are no longer taught or remember how to budget our money. With the introduction of credit, it has become easier to use money that you don’t actually have.

This lack of money budgeting in today’s world is beginning to reach a cataclysm with many families, and individuals who are now finding themselves with severe debt problems and little knowledge about how to turn their bleak situation around.

Even with all of the bad debt write-offs, banks are more than happy with the way things are. Banks build in their own risk factors based on bad debt in their interest rates to give them profit regardless of bad debt write-offs. Simply put, those borrowing money are paying for their inability to budget effectively.

Tips to Effective Money Budgeting:

The basics of budgeting start with you listing incoming money over a period of time, such as a weekly, monthly or fortnightly, then listing the outgoing money, such as mortgage payments, car re-payments, credit cards and so on. Money budgeting also has many other factors used to make it effective, including keeping a constant eye on how your budget is doing and changing it to accommodate unexpected problems without overspending.

Keep all of your receipts and account for what has been spent. Use this to make calculations as to where your money is going and for what. Expenses can be divided into four main categories. These are:

• Housing: mortgage, rent, utilities, property taxes, insurance, etc.
• Work: transport, parking, work clothes, lunches and if you have children, day care
• Living: food, clothing, medication, insurance, etc.
• Personal: entertainment, newspapers, magazines, alcohol, gifts and education, etc.

Once you have categorized all of your bills, take out a blank piece of paper and a calculator. Figure out what is being spent each month on these categories and what can be cut out of the budget to allow more money to go toward bills or improving your financial situation.

Many people get so used to luxuries, they turn these things into fixtures in their weekly, fortnightly or monthly spending habits. By weeding these expenses out or making them a luxury again that is only enjoyed occasionally, you can also save quite a substantial amount of money. When you go through your spending habits, you will be able to calculate how much you are actually spending on these things.

Don’t forget that a contingency fund should always be factored into any money budget. This works out to be around 10 % of your income. A contingency fund will benefit you when you need it the most, such as when you lose your job or have an unexpected expense such as plumbing go wrong in your home. This contingency fund should be kept in a separate savings account and only accessed in emergencies.

Motivation Is The Key:

Motivation is very important when you are budgeting. As an incentive to create a budget and stick to it, remember that the only way to regain wealth is by spending less money than you are receiving. The only way to spend less and do more with your money is to learn how to effectively budget it and stick to your plan.

Once you start to see the benefits of your budgeting and are rewarded with more money in your bank account after you have finished paying out, you will be more encouraged than ever to budget your money.

Another way to teach yourself to budget is to give yourself a solid incentive to stick to it, and make your budget work. You may make it your goal to get your finances in order, so that you can take a vacation or get something that you and your family really wants. Place reminders on your fridge or in your wallet. By doing this, you will be reminding yourself of the reason you have decided to sacrifice some of your luxury spending.

Although this sounds great, when you budget, you will have to learn to set aside any emotions that you may feel toward your budget. Examples of emotions getting in the way and interfering with a well planned budget is when you have to cut out the things that you want, such as weekend breaks away, toys for your children or new furniture, for a while, until you have arranged your finances for the better better.

If you have a family, try to keep them involved in your money budgeting and where the budget needs to be tightened to benefit everyone to exclude non-essentials, explain to family members why budgeting is important. This will help to educate those around you about the importance of budgeting and how budgeting can help you all obtain the things that you want, such as luxuries, without them being a financial burden.

Another trap many people fall into is getting into the habit of ‘keeping up with the Jones’ regardless of their own personal financial situations. After all, money budgeting is about your personal set of circumstances and your personal finances, not someone else’s. Just because your neighbors have just bought the latest model car or had cable television installed, doesn’t mean that you have to, pay attention to your budget and let it be your decider on whether you can afford the things that you want.

Budgeting is a vital skill needed to control your finances and avoid getting into serious debt. By educating yourself on how to budget effectively, taking the time to carefully plan a good budget and monitoring it regularly you will be able to keep yourself and your family encouraged to stick with it.

Set achievable goals and even though, at first, money budgeting may seem tough, it is the only way to have the things that you want, as well as a secure financial future.

About the Author

Ken Black is the owner of Debt Relief Today, a website all about money budgeting, credit counseling and Credit Card Debt Consolidation for those in need of financial assistance.

Are You Thinking About Starting A Home Based Business?

By: Eric Laundrie

Are you thinking about starting a home based business? With the economy being the way it is, more and more people are either thinking about starting their own business or have already started one.

We hear the same news almost every week.  One company after another announces layoffs of hundreds of employees at a time and many of us wonder if the day will come when our job will be included in the next headline.  After years of working with the same company, being comfortable in our positions and having a sense of security, you could have all of that taken away in an instant in this current economy.

Perhaps you’ve already gone through this reality and received a pink slip.  You’re trying to make ends meet while collecting unemployment and applying to every job opportunity that crosses your path.

Is Now the Time to Start a Home Based Business?

There are people who think that given the present state of the economy it may be the wrong time to start a business.  Actually, now is the perfect time!

If you’re currently unemployed, why not spend your time researching an online home based business opportunity?  You can focus your efforts on taking control of your financial future by running your own business from home.  If you are working and unhappy with your job, you can research some opportunities that peak your interest and start on a part-time basis while you build your business.

What are the Advantages?

The advantages of starting a home based business are plentiful. You get to decide what type of business you want to have, how many hours you want to work, the times you want to work and determine the outcome you want to achieve. You are your own boss and you only have to answer to your customers.  Working from home requires minimal overhead costs, which means you get to keep more of the profits.

Do You Have What it Takes to be an Entrepreneur?

Are you willing to put in just as much work in your business as you do for your boss?  You may be required to work long hours for your employer and often times are limited in your pay.  Just think about all of your hard work being put towards your own business and the unlimited earning potential available for your efforts.

Are you ready to market your business?  In order to sell your product or service, the public has to know about it.

Do you care about your customers?  Without them, you have no business.  Providing excellent customer service is vital for remaining a successful entrepreneur.

What are the Best Kinds of Businesses to Start?

Online home based opportunities offer the most benefits because of their flexibility and broad customer reach.  Working online means that you have the freedom to work from anywhere from your computer at any time of day or night.  You can offer products and/or services to potentially thousands of people on the Internet.

Why leave your future to chance?  If you’re thinking about starting a home based business, now is the time to do your homework and choose the opportunity that aligns with the career path you desire.

About the Author

Do you want to earn your living online? You need a proven model, education, and a supportive community. To catch up with the rapidly changing community, starting a home based business is just a click away. http://www.ericlaundrie.com

Free Sales and Business Building Event Offered by Local Experts

Intensive 1-hour Program Offers Proven Strategies for Understanding and Improving Sales and Business

(Cape Town, South Africa) – SalesPartners, a sales and business building training organization, announced that it will offer its Cash Flow Explosion workshop, free of charge. Scheduled to be held on a weekly basis throughout October, November and December the workshops are designed to provide attendees with actionable strategies to immediately maximize revenue potential, increase profitability, and positively impact the bottom line.

The SalesPartners’ Cash Flow Explosion workshops are designed for small to mid-sized businesses, entrepreneurs, sales managers, network marketers, sales representatives and truly any business person wanting to positively impact revenues and profitability. Workshop attendees will learn:

• The six critical elements needed to run a successful business
• How to go from emergence to professional abundance
• The six necessary steps to every effective sales process.
• How to overcome public enemy #1 and attract what you really want from business and in life
• How to sell more in any economy

The workshops are being offered free of charge as a result of SalesPartners mission to serve the local business community. “We realize there are a good number of small to mid-size businesses and business people, who are struggling.  At SalesPartners, we are business owners ourselves and can relate to those struggles. However, we also have the solutions to the problems that keep business owners and sales teams up late at night. SalesPartners is built upon time-tested sales and business building strategies which can quickly and efficiently increase sales,” said Bettina Horvath, SalesPartners Cape Region owner and franchisee.  The organization’s philosophies stem from SalesPartners co-founder and CEO Blair Singer’s teachings. Singer, an international bestselling author, professional speaker, and successful entrepreneur, is considered by many to be a leading expert in this arena.

“We know these strategies work and have witnessed the SalesPartners methodology transform our client’s lives from a business perspective as well as from a personal perspective. Despite the fact that we are currently operating in a very weakened economic environment, the demand for our proven solutions continues to be strong,” said Bettina Horvath.

Cash Flow Explosion upcoming workshop dates are as follows:

October  22nd    “Die Ou Pastorie” Boardroom, 41 Lourens Raod, Somerset West    3.30 pm
October  29th     “Die Ou Pastorie” Boardroom, 41 Lourens Raod, Somerset West    3.30 pm
November  5th   “Die Ou Pastorie” Boardroom, 41 Lourens Raod, Somerset West    3.30 pm

To register or for more information call 082 99 26 007 or visit www.salespartnerscape.eventbrite.com.

About SalesPartners & Blair Singer
Blair Singer is the co-founder and CEO of SalesPartners, a global sales and business building training organization with over 60 franchised offices around the world.

Since 1987, Singer has led thousands of business owners and Fortune 500 leaders to maximize earnings potential and increase bottom lines. Companies including Singapore Airlines, Redken  5th Avenue, IBM, UPS Stores, Dunkin Brands, CIBC-Canada, United Healthcare, and Westin Hotels, have all benefited by his highly-effective and motivational teaching style.

Singer is the author of three bestselling books including Sales Dogs: You Don’t Have to be an Attack Dog to be Successful in Sales,  The ABC’s of How to Build a Business Team that Wins, and “Little Voice” Mastery: How to Win the War Between Your Ears in 30 Seconds or Less, and Have an Extraordinary Life!  He has also worked on a variety of collaborative efforts with the international bestselling author of Rich Dad Poor Dad, Robert Kiyosaki, has served as a Rich Dad Advisor for over 10 years, and speaks at many Rich Dad seminars and events.

For more information on Blair Singer, visit www.blairsinger.com or call 1 – (602) 224-7792 (US).

Author: Andrea Beilinson

Don’t just give your teens an allowance; teach them to earn it by working, i.e. doing chores. Teach them to save money, by opening a savings account and depositing a portion of their allowance each week. It is important to make rules on how frequently they can make withdrawals. Have them keep a log of how much they spend and what they spend it on. This will not only show them what they are wasting money on, but it will allow you to keep tabs as well.

OLDER TEENS

A recent article in News.com claims,

“Some children get as much as $50 a week pocket money… But research shows teen lifestyle costs a packet.” The study showed that older teens are earning an average of $245 per week – A combination of working, pocket money, chores, and/or money gifts received.

As teens get older and begin working, this is not a reason to disregard the rules of money management. They should still be required to put a portion into their savings account and they should still be held accountable for their spending. This may be a touchy subject and, “It’s my money,” is sure to come up, but rules are rules, and you must stick to them.

ON THE SAME PAGE

It is important that everyone work together. If you have a spouse, you must be in agreement with the game plan. If one parent gives in, it doesn’t benefit anyone. There is no one quick fix to solving financial problems, but the best method is prevention. Teaching your children money management skills will let them know early on that they have to work for things that they want, that they must save money, and that they should spend their money wisely.

TIPS AND IDEAS

Here are a few tips that will help you create a game plan for your child:

1. Create a realistic budget and stick to it. If you have younger children, adjust their allowance, as they get older.
2. If the chores have not been completed, don’t be afraid to not give them allowance for the week.
3. DON’T BUY ON IMPULSE. Don’t get sucked into the “Please, please, please I gotta have it,” line.
4. If you have an older teen, consider giving them a cash card instead of cash. You can load their allowance onto the card and they can use it at stores, or make withdraws at an ATM machine. At the end of the month, you can sit down and review the purchases made. Make sure that a portion of that goes into their savings account.
5. Consider giving your child a “bonus” for doing well in school or taking on extra chores. This will show them that you can be rewarding for doing well.

Taking the time to teach your children good money management will probably be one of the greatest investments in time you will ever make. These lessons will prepare your children with the skills to secure a good financial future.

About the Author:

For more information on sending money or money transfer both within the United States and abroad visit Send Money

Article Source: ArticlesBase.com – Teens and Money Management

Relationships in many regards are much like your own personal finances. Your relationships take a great deal of work, planning, communication, understanding, goal setting, deposits and withdrawals. Personal finances need the exact same kind of dedication, organization, understanding, goal setting, deposits and withdrawals. The two are inexplicably connected in a lot of ways and if one finds some form of hurdle the other will likely be adversely affected. Here are several ways you can manage your money and your relationships and help both grow amazingly together.

GOAL SETTING: Where will you be in five or 10 years? This could be a ideal conversation starter for you and your partner. The great thing about this topic is managing money can easily be connected with relationship goals. Your life partner may not be happy with their current occupation and has hopes of starting their own business or planning to go back to college. Together you could discuss what steps need to happen to accommodate each others goals and not sink the financial boat. If you keep this line of discussion open you will be able to set realistic goals in money and in life.

COMMUNICATION: This is probably the most important requirement for any solid relationship. Because most quarrels are over money it is wise to keep an open line of conversation in everything else so that talking about money comes naturally. That means that any major purchase should be thoroughly discussed. just think about how angered you would be if your mate came home one day with a $1500 plasma T.V. or a $1500 dress or fifteen hundred dollars in penny stocks. If you can talk about finances, that would be one less topic that could result in a fight. Communication is key in relationships and in financial planning as well.

JOINT ACCOUNT: The age old question. Some feel that sharing a joint savings account is important because it displays a big degree of trust. Some people feel that it is wise to keep your personal finances apart from the relationship because of the freedom it creates. The issue is it may cause disruptions in your relationship. Why not have both? First you should figure out is what your expenses are and what is left over for pleasure. {In my opinion|I think a simple formula to use is each of you takes twenty percent from the paycheck every week to deposit into a personal account. That cash is for you and you alone. You can use it to buy a fancy pair of shoes, football tickets or anything you desire. The remaining 80% is placed in a joint account that covers living expenses such as food, mortgage, retirement planning, car payments etc.. This way if you choose to treat yourself, you will be using your money to do so.

STAY ON THE SAME PAGE: This is vastly important. Know what’s going on. One of you could know a bunch more about personal finances. There aren’t many things more exciting in a relationship then learning together and knowing the same things. If you both know where the money is going, in what way it is being invested and what investments to make there will always be an understanding. There is little more heartbreaking than when one person makes a solo decision and loses out. If you constantly inform each other of financial opportunities and financial decisions it will be more difficult to make silly mistakes. As the saying goes, two minds are better than one.

Relationships are always a work in progress. It is inevitable that you will run into problems and not see eye to eye with your partner all of the time. Finances are one conflict that can easily be avoided with an open line of communication, goal setting, planning and understanding. If you and your spouse can communicate honestly when it comes to finances and put the right plan in place, your relationship with each other and with money will grow stronger and stronger every day.

About the Author:

You can pay off your debts and save money at the same time! Say goodbye to your boss forever! A blog that will show you the secrets of the wealthy: http://www.howtomanagemoneytips.com

Get a free budget sheet, net worth calculator, tools and more: http://www.howtomanagemoneytips.com/ebook.html

Recession Busting Breakfast

A few months ago I heard about an initiative to Boycott the Recession. The initiative was started by Blair Singer, the founder of SalesPartners Worldwide. The initiative has spread to South Africa.

One of the most powerful things about South Africa is our Spirit of Ubuntu. Nowhere else in the world do you find a sense of community like that when a group of like-minded people get together to help each other out of a difficult situation.

The astounding truth is that we have the power of adding our strengths and working together to change your Personal Recession into a time of Personal Growth.

In the same Spirit of Ubuntu, three dynamic business women, Bettina Horvath of SalesPartners Cape Region, Gwen Kloppers of Inspiring Women Network and Veena Sebastian of the Atlantic Imbizo Conference Venue, decided it was time to work together to help small business owners unleash their potential and bust through the recession.

Cape Townians have the opportunity to learn how to bust through the recession in just three hours.

There are business breakfasts. And then there are Recession Busting Business Breakfasts. This is not merely an opportunity to collect a few business cards and hope for the best. This is an opportunity to learn valuable skills that will take your business to new heights and give you the opportunity and the skills to turn your business around, literally within 3 hours.

In this powerful and engaging breakfast you will learn within 3 hours exactly what it takes to find clients, make a memorable impact and close more sales.

As part of the breakfast each delegate will also be given a Recession Buster Kit valued at over R3500.

For more information about the Recession Busting Breakfast and to book a seat, visit the website here: www.salespartnercape.co.za

The reason why most businesses fail is because they can’t sustain the growth or ‘busy-ness’ of their business.

The real key to success is in understanding the critical ‘strategic’ roles that business owners must play, and separate, in their businesses. These critical, but often overlooked roles are those of the director, manager and shareholder.

As a shareholder, we must look at your business as an investment and expect your board (directors) to give you a return on your investment (that is higher than a simple deposit in the bank)… especially in small business where you invest not only your money, but your time, relationships and a lot of energy. As shareholders, you must hold your board to account to report on and deliver your expected and promised results.

As a director, you must realise that you are legally responsible to run the business.  You must support your management, be accountable for results and you must guide the strategic direction of your business vision.

As a manager, you must realise that you are responsible and accountable to your directors, your shareholders, staff and customers for the results you achieve in the day to day operations of the business. This value placed on results will vary for each of these stakeholders and it is the manager’s job to ensure that all parties get these results or the health of the business will suffer.

Often in small business, people juggled all of these roles…wearing all hats at the same time and therefore unable to clearly deliver the results of any single role.

So who are you?

Are you clear about the role you’re meant to be playing in your business?

Gaining this clarity and instituting the mechanisms of governance and accountability will have a profound impact on your bottom line!

* * *

What separates successful business owners from those who merely own a job in their own business?

While many business owners aspire for explosive growth, only a few recognize the critical distinctions of success or have the entrepreneurial guidance to ever make it happen.

Some business owners end up owning a job in their business, while others manage to build and grow successful enterprises that create wealth while enjoying every moment of it.

What makes the difference?

Carl Bates Chairman of the Sirdar Group

The astonishing growth that Carl Bates, Chairman of the Sirdar Group, global entrepreneur with world-wide success has managed to achieve has been through supporting other small and medium businesses to achieve their own extreme business success. He has done this by astutely applying principles of governance and entrepreneurship to address their business growth challenges.

Carl believes that regardless of the industry you operate in, the fundamentals of running a business are all the same and it is critical for these to be astutely implemented to achieve extreme business success.

In a powerful and engaging workshop, Carl will share powerful insights into “What it Means to be an Effective Business Owner”. He will reveal the importance of holding yourself and your team to account and the key distinctions between being a Shareholder in your enterprise, a Director and a Manager, something many small to medium business owners incorrectly assume is a tool only for “big corporates”.

The feedback Carl gets everywhere he travels, says it all. His practical insight and clarity with which he directs business people’s attention to achieve beyond what they think was possible is mind blowing.

Join Carl on this business expedition and uncover and come to understand:

• The investment you have in your business and how you should treat it.
• Your role as a shareholder in your business.
• The reality of what actually being held accountable in your business means.
• The role of a board of directors and the absolute value it will add to your business.
• How to grow your business through giving back.

WHERE, WHEN AND HOW?

Your investment to join us for this insightful and empowering workshop:

R247 per person and you get to BRING YOUR BUSINESS PARTNER FOR FREE
Tea/coffee will be provided.

To secure your place at this limited opportunity event or to find out more, please email eventsa@sirdargroup.com or call:
Karen Barensche (Cape Town) on 082 461 1418 or
Lisa Gering (Johannesburg) 082 441 9419.

Who is Sirdar?

Sirdar works with business owners to plot a business route of extreme business success.

Sirdar works with committed business people who are passionate about what they do and have a vision for the future. Sirdar recognises and then fosters this passion and links it to our business, governance and management expertise, to create enterprises that define markets and lead industries.

By growing our partners and clients businesses through providing them with governance and management, Sirdar has experienced exponential growth since inception in 2007. Like any new business Sirdar had zero revenue on start-up. Six months later the group revenue was R7 million and at the end of July 2008, it had reached R57 million. In roughly just under two years Sirdar’s group revenue had grown by over 800%. Sirdar now operates in South Africa, United Kingdom, New Zealand and Australia.

Stainability and social enterprise is core to Sirdar’s Global business. We believe strongly in building emerging economies by developing local small to medium enterprise. Specifically Sirdar itself, and its equity partners, implement transactional giving to achieve this.

What makes the difference?

While some business owners end up owning a job in their business, others manage to build and grow successful enterprises that create true wealth while enjoying every moment of it.

Regardless of the industry they operate in, come and find out what lies behind astonishing growth and success. Discover how you and your business can benefit from astutely applying principles of success and entrepreneurship to address your business growth challenges and achieve extreme business success.

Testimonials:

“I have seldom seen a room of people so inspired and talking instant positive action to create AND implement truly solid processes to achieve totally new performance levels in their businesses.”
-Paul Dunn, Globally Acclaimed Serial Entrepreneur & Business Mentor

“Carl Bates is an inspiring leader who has an exceptional amount of business nous.”
- Wellington Regional Chamber of Commerce Magazine, July 2008

“Your investment in this workshop will drive home the distinctions between shareholders, directors and management – which will lift your business to another level when you apply it.”
- Paul Wetton, Pachira Capital Pty Ltd, Australia

Working from home has the added benefit of being with your children.

The Recession couldn’t come at a worse time for Angela. With a newborn baby and the added expense of an expanding family the pressures of a recession was simply too much to bear.

The fear of leaving her baby in the arms of a stranger for 9 hours a day also played very heavy on her heart.  She really didn’t want to go out and get a job, but her husband, Jonathan, was already struggling and was considering a second job so that Angela could stay at home.

And so Jonathan and Angela turned to the Internet to find some answers. “Our first thought was just to ride out the storm. We initially thought the recession would only last a few months, but more and more it became clear that it would last a lot longer,” says Jonathan.

“It was just by chance that Angela found a link to an online course called Internet Marketing 101,” he continues. “This course showed us in practical easy steps how to supplement our income by building a part-time income.”

Together Angela and Jonathan built a complete online business within about a week and started seeing the money trickle in shortly after that. They covered their initial investment in the first two weeks.

“I never thought I would start my own business,” says Angela, “but here I am running an Online Business with customers from all over the world. The programme included all the details on how to find products to sell, build our own website and then to market the site”.

Starting an Internet Business can be daunting. The sheer volume of information out there is daunting. And the problem is that it becomes overwhelming. What makes Internet Marketing 101 so powerful is that it really is simple.

Getting started is real simple:

Step 1: Get Internet Marketing 101

Step 2: Find a Product

Step 3: Build the website

Step 4: Market the site

Step 5: Watch the money come in.

All this is carefully shown in a DVD series, workbooks and 20 business ideas are provided with the course. If you’re in a similar position as Angela and Jonathan, consider the fact that there is hope for you. The DVD pack is usually R1480 but we have been able to secure a discount for all Secrets2Success readers. By completing the form below you will only pay R1000, which includes packaging and shipping to anywhere in South Africa. (Or 3 equal payments of R350).

Yes! I am interested in turning my life around and Survive the Recession!

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True wealth can never be diminished

“A well-known speaker started off his seminar by holding up a $20.00 bill. In the room of 200, he asked, “Who would like this $20 bill?” Hands started going up.

He said, “I am going to give this $20 to one of you but first, let me do this.”
He proceeded to crumple the $20 dollar bill up. He then asked, “Who still wants it?”

Still the hands were up in the air. “Well”, he replied, “What if I do this?”  And he dropped it on the ground and started to grind it into the floor with his shoe. He picked it up, now crumpled and dirty. “Now who still wants it?” Still the hands went into the air.

“My friends, we have all learned a very valuable lesson”, he said, “No matter what I did to the money, you still wanted it because it did not decrease in value. It was still worth $20.”

Many times in our lives, we are dropped, crumpled, and ground into the dirt by the decisions we make and the circumstances that come our way.

We feel as though we are worthless. But no matter what has happened or what will happen, you will never lose your value. Dirty or clean, crumpled or finely creased, you are still priceless…. and especially to those who love you.

The worth of our lives comes not in what we do or whom we know, but by WHO WE ARE. 

Anon

What value do you give yourself?

Do you equate your value to your perception of success?  Is your success measured by how wealthy you are?

What does wealthy mean to you?  Personally, I love Roger Hamilton’s definition of wealthy. In this video he explains the wealth paradox.

Enjoy! Ed

Roger Hamilton’s Wealth Paradox

Original post

Submitting your Documents with the Human Rights Commission is a Legal Requirement

Are you doing business in any way? Perhaps running a small home-office? Or running a stall? Or even running a normal business and may be classified as a “private body” under the laws in South Africa?

Are you running a business as a sole-prop, CC, PTY or Trading Trust?
Read the rest of this entry »