We help overcome some of these financial pitfalls:

Financial illiteracy

Most individuals possess relatively low levels of financial knowledge which makes them less likely to save.

Overconsumption

The percentage of income spent on consumption/living expenses continues to increase.

Debt-burdened

Most people feel that they have no choice but to get into debt. Close to one-third of those indebted, are in arrears.

Insufficient savings

Two-thirds of low-income South Africans do not save. And for those that do, their total savings is often insufficient.

Irrational behaviour

We are overconfident and react to events based on fear and greed. We struggle to manage our emotions with money. 

Risk aversion

We don’t like risk and exposing ourselves to potential short-term financial loss. Thus, we miss out on long-term financial growth. 

Lack of motivation

We lack self-control and procrastinate. This makes it difficult to make the changes we need to our spending behaviour.

Poor planning

Most people do not develop any plan to reach their savings goals. And for those that do, most do not stick to it. 

Financial illiteracy

Overconsumption

Over- consumption

Debt-burdened

Debt- burdened

Insufficient savings

Irrational behaviour

Risk aversion

Risk
aversion

Lack of motivation

Poor planning

Poor
planning

Let us help by improving financial behaviour

Choose one our four key service offerings

Nudging the financial services industry

The financial services industry faces numerous challenges. From pervasive financial illiteracy to poorly positioned products and inappropriate incentives. We are problem-solvers. We understand the behaviour, motivations, and needs of the individuals that the industry is trying to service. Bring your problem to us and allow us to investigate it through a different lens and provide you with beneficial insight and targeted solutions.

Let us help by improving financial behaviour

Choose one our four key service offerings

Nudging the financial services industry

The financial services industry faces numerous challenges. From pervasive financial illiteracy to poorly positioned products and inappropriate incentives. We are problem-solvers. We understand the behaviour, motivations, and needs of the individuals that the industry is trying to service. Bring your problem to us and allow us to investigate it through a different lens and provide you with beneficial insight and targeted solutions.

Aiding understanding of behavioural biases and spending behaviour

We are available to write articles, speak at events, and offer bespoke consulting services.

Aiding understanding of behavioural biases and spending behaviour

We are available to write articles, speak at events, and offer bespoke consulting services.

Aiding understanding of behavioural biases and spending behaviour

We are available to write articles, speak at events, and offer bespoke consulting services.

Supporting financial planners and financial planning practices

We support financial planners who want to provide personalised, holistic financial advice to their clients. From a captivating on-boarding process to a relationship of trust, we assist in curating efficient processes that balance advice and education. We endeavour to equip planners and their practices to be both profitable and relational. 

Supporting financial planners and financial planning practices

We support financial planners who want to provide personalised, holistic financial advice to their clients. From a captivating on-boarding process to a relationship of trust, we assist in curating efficient processes that balance advice and education. We endeavour to equip planners and their practices to be both profitable and relational. 

Nudging the financial behaviour of individuals

An online course which helps you take control of your financial situation. Personalised to your needs and circumstances, the course will prepare you to reflect on your behaviour with money. Whether you need to challenge your spending behaviour, tackle debt, understand retirement and tax-free savings, or improve your financial literacy, we focus on helping you build a plan to reach your financial goals and stay motivated in achieving them. Online courses available one-on-one or in small groups.

Nudging the financial behaviour of individuals

An online course which helps you take control of your financial situation. Personalised to your needs and circumstances, the course will prepare you to reflect on your behaviour with money. Whether you need to challenge your spending behaviour, tackle debt, understand retirement and tax-free savings, or improve your financial literacy, we focus on helping you build a plan to reach your financial goals and stay motivated in achieving them. Online courses available one-on-one or in small groups.

Nudging the financial behaviour of individuals

An online course which helps you take control of your financial situation. Personalised to your needs and circumstances, the course will prepare you to reflect on your behaviour with money. Whether you need to challenge your spending behaviour, tackle debt, understand retirement and tax-free savings, or improve your financial literacy, we focus on helping you build a plan to reach your financial goals and stay motivated in achieving them. Online courses available one-on-one or in small groups.

Get in touch

Let’s achieve our financial goals

One nudge at a time