Money has been a cause of concern and i really want to do away with all this anxiety it brings to my day to day. Am always worried of running out but well am not here to vent.
From my research there are a couple of things i have to get right before i can ensure my finance future.
Savings (Emergency Fund usually then merely savings[a quicker and more accessible sum])
The list might not be in its best order nor most detailed form but thats what i know for now(for the sake of this post).
Would anyone please assist me with either information and or guidance with these three aspects and also help me on the right path.
Tyme Bank would have been my go to bank. Its rates seem lovely. I understand that all the figures advertised may come to change sometime soon and what not but as for now and making a pick, the rate are a good enough starting point. Unfortunately i am not a South African citizen and have even considered other online banks but have not been too luckily finding one that is laid back on the fees and requires to open an account. Any ideas ? I have resorted to FNB EasyAccount(PAYU) and Standard bank(Student Achiever)(am currently a student doing my 3rd year and fear i might not be in South Africa for as much longer to build my savings in a South African bank to then take it out and perhaps suffer hefty fees. Am not sure how this all works but thats why i would like to get an international online bank where that concern is cancelled out)
I hope to have my an FNB account forever and hope to bank from wherever in the world with then even later on and hence settled for them and my current EasyAccount before an upgrade to an different account. In the event i save with them(hopefully i do), i feel i have reason to foresee a longterm relationship.
Investing, i want to use EasyEquities to make all my investments. They were suggested by Platinum Wealth and hey, i like them. I do not know if its better to have all i save and invest with them or not. Assuming there is a manner of saving i can do with tem in a TFSA. i really dont know how the platform works but i am dabbling in and with information to see what and how far we can go together.
i trust that i can get some scrutiny here and get some answers as well. Dont take too long i dont have time. I want to spend it all on the market, i hear thats how you earn anything in the long run
PS:I understand it depends on what i dash dash dash lol. Please throw me in the deep end and give me a broad response lol assume everything