Financial boxes to tick while interest rates are on hold The presently flat interest rates give consumers an opportunity to get into better financial shape by structuring personal finances ahead of the festive season and the New Year. Ester Ochse, Channel Head at FNB Financial Advisory says how people manage finances over this period could impact their financial wellbeing over the next few months, going into the New Year. “Some people might use this period to tighten financial control, others will pursue investment opportunities but you also have people who will feel that it’s the best time for them to spend,” she says. “The reality is that there is no wrong or right decision because everyone is influenced by their financial position. Regardless of what anyone does, there are important financial boxes to tick to ensure a better financial future.” Save for education Whether you have kids in pre-primary, primary or high school – your education costs are lik...