We all know that incurring dept is not a good idea. Sometimes we just need that extra bit of cash though, and a lot of us end up in dept one way or another. The first thing you need to do when starting to plan your financial future is to get rid of your debt first and then start investing your money. To many, investing sounds complicated, and expensive, but it doesn’t have to be. Many banks offer investment opportunities that are suited to your needs and you don’t need to know anything about stocks, the gold price or mutual funds to get started. If you’ve escaped the debt trap and have a few tips on investing, enter this competition by sharing your tips to win your share of R20 000.