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Weekly wholesale supplement brought to you by The Citizen.
Adapting to the
wholesalegame.
buyinbulk@citizen.co.zawholesaleads@citizen.co.za
Thursday 5 April 2018
INFORMATION: KNOW WHERE TO PUT YOUR MONEY TO BENEFIT YOU AND YOUR POCKET MOST
Get more savvy with your tax
� Speak to a fi nancial
advisor to help you
with fi ling at the tax-
man and to invest.
Tristan Naidoo
Money Web
South African consum-ers are now paying more value-added tax (VAT), following the announcement by the
fi nance minister in his budget speech that VAT would be in-creased from 14% to 15% .
While taxes remain the gov-ernment’s biggest source of rev-enue and higher taxes assist the government to manage the coun-try’s fi scal standing , increased taxes place additional strain on consumer wallets.
Consumers need to become
more tax savvy to ease the impact of the VAT increase.
While the deadline for fi ling your income tax returns is only towards the end of 2018, gett ing into good tax habits early on is a must .
Knowing what you can claim for will help you to prepare ac-cordingly – such as keeping the correct slips or invoices and knowing the tax-free limits on savings vehicles.
Understanding how your in-vestments are taxed is critical. Government is serious about im-proving the saving habits of South Africans. So they incentivise us by building in tax benefi ts to both medium and longer-term savings vehicles.
You need to consider the way these medium and long-term so-lutions are taxed as they can ul-timately help you achieve your fi nancial goals – specifi cally, how you plan to live aft er you retire one day.
In the short to medium term, it
is important to look at saving ve-hicles with more fl exibility – but which are still taxed effi ciently. Tax-Free Savings Accounts (TF-SAs) off er tax-free growth on capi-tal and also no tax on withdrawals – which gives you fl exibility.
Limits do apply, however, so speak with a professional fi nan-cial advisor to make sure you are staying within the tax-free limits.
You are allowed to contribute up to R33 000 per indi-vidual per year, or up to R500 000 over a lifetime.
On long-term sav-ings, specifi cally for re-tirement, one of the most tax effi cient savings vehicles is a Retirement Annuity (RA). While RAs off er limited liquidity, the tax concessions on contributions are a huge benefi t .
You can save up to 27.5% of the greater of remuneration or tax-able income – capped at R350 000
Picture: iStock
per year – on contributions made to pension, provident and retire-ment annuity funds.
Government is eff ectively re-warding you for investing in your retirement with a literal cashback through a tax refund at the end of the tax year.
In addition, growth on your contributions while in the
fund is not taxed. A fi nancial advisor
should be consulted to advise you on the tax implications relevant to regular investments.
While many people make their last-minute RA con-tributions at the be-
ginning of the year, it is important to keep track of the thresholds by incorporating them into a broader fi nancial plan.
Planning your retirement contributions and incorporating these into your annual budget is a key element in holistic fi nancial
planning. A good fi nancial advisor will as-
sist in this process to ensure that your savings are working hard for your future benefi t.
With careful planning, you will have an idea of the tax refund you can expect to receive aft er you’ve fi led your tax returns later in the year.
These amounts can be ploughed back into your tax-free savings account or RA – for next year’s tax benefi ts.
When it comes to saving for re-tirement, far too few South Afri-cans are adequately preparing for retirement. Consistently saving towards retirement, including us-ing tax concessions and refunds as additional contributions, will help you stay on track to achieve your retirement goals.
Every litt le bit counts when it comes to protecting your future income.
Consumers
need to become
more tax sav-
vy to ease the
impact of the
VAT increase.
Tristan Naidoo is legal
advisor at Old Mutual.
Thursday 5 April 2018 2
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5 April 2018 6
SMALL BUSINESSES: WITH THE RIGHT PEOPLE MANAGING YOUR MONEY, YOU ARE ON YOUR WAY
How to manage your debt
� Build a good rela-
tionship with your
banker through
transparency.
The word “debt” oft en has negative connotations for small businesses as it can be associated with fi nancial trouble. How-
ever, it should be noted that it is oft en a vital resource that allows a business to grow.
This is according to Siphethe Dumeko, chief fi nancial offi cer of Business Partners Limited , who says that although outward signs of a successful business are prof-itability, asset growth and happy employees, a crucial additional indicator signifying its fi nancial health is the way in which it man-ages its debt.
“Well-managed debt starts with the fundamentals of good overall fi nancial management.
“This is done by implement-ing a sound control environment along with necessary processes
and checks such as controls over the access to bank accounts, as well as regular reconciliation and review of bank statements. Another control measure is tight credit control to ensure debtors pay on time,” he says.
“Other debt management measures include the implemen-tation of appropriate budgeting and forecasting processes to en-sure robust cash fl ow monitoring, such as planned cash infl ows from sales, as well as anticipated cash out-fl ows from expenses and overheads,” Dumeko says.
Oft en the weak-est part of any sys-tem is the people who run it, and the management of debt is no exception.
“The personal credit record of a fi nancial manager is oft en a good indicator of how well they can run the fi nancial aff airs of a company . ”
When it comes to managing a company’s debts, a healthy busi-ness can use fi nancial ratios, ac-
cording to Dumeko.“An example of this is the debt-
to-asset ratio, which measures the size of a business’ debt in pro-portion to its assets and signals when debt levels become too high.
“A times-interest-earned ratio is another key measurement for debt management.
“This is calculated as earnings before interest and tax divided by the business’ interest expense,
and measures the ability of a business to meet its
interest obligations through its earn-
ings.” Dumeko points
out that sound debt management is not only about the cold fi gures, but also about human rela-tionships.
“Maintaining a good relationship with your banker can make the diff erence between a loan facility being extended or called up. In order to do this, it is imperative to base the relation-ship on regular and transparent communication and building
trust.”Regularly reviewing the fund-
ing options in the market is part of good debt management.
“When looking for fi nance for a small business, it is not enough just to look at the interest rates and the size of the instalment.”
Small business owners should also look out for the administra-tion fees and service charges, and be aware of the penalties that of-ten come with loan agreements such as for sett ling the debt early, falling behind, and, in some so-phisticated facilities, for breaking loan covenants, he says.
“These loan covenants are pa-rameters agreed to with the fi -nancier that your business must stick to, such as agreed level of bad debts below which your busi-ness will be expected to remain.”
He says oft en there is a good argument to be made in favour of consolidating a business’s various loans into one facility.
Not only does it make the ad-ministration of the loan and the relationship with the fi nancier simpler, but it can bring signifi -cant savings.
Dumeko says good debt man-agement skills become even more important in times of business stress.
“The knee-jerk reaction by many entrepreneurs is to keep the problem hidden from the fi nanci-ers making the crisis worse by having the facility called up.
“In contrast, open and upfront communication can turn a small business’s fi nancier into an ally who may be willing to extend its facility or arrange a repayment moratorium,” says Dumeko.
Well-managed
debt starts with
the fundamen-
tals of good
overall finan-
cial manage-
ment.
The personal credit
record of a financial
manager is often a
good indicator of
how well they can
run the financial
affairs of the com-
pany they manage.
Siphethe DumekoChief fi nancial offi cer of
Business Partners Limited
CONTACT RENALDO HARWOODemail: renaldoh@citizen.co.zaDirect: 010 492 5224Cell: 076 175 1721Fax: 011 474 7190
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© Masscash (Pty) Ltd
Whilst Jumbo Crown Mines will always attempt to have suffi cient advertised stock available , the above prices are valid only whilst stocks last. Jumbo Crown Mines reserves the right to limit quantities. Errors and Omissions excepted - Jumbo Crown Mines will always take the utmost care to ensure that advertising information is correct however should a mistake or inaccuracy occur, Jumbo Crown Mines shall display an in-store notice refl ecting the correct details. All quoted prices in South African Rand and inclusive of VAT unless otherwise stipulated.
PROMOTION PRICES VALID 5 APRIL - 10 APRIL 2018
CROWN MINESCorner Crown Wood & Main Reef Road, Crown Mines
Tel: +2711 839 4440
2099
BENYLINWet Cough
Syrup1 x 50ml
1419
DORCODisposable
Single Blade1 x 12’s
12299
LIL MASTERSBaby Basic
Diapers1 x 100’s
2899
JOHNSON’SBaby Powder
Fresh1 x 400g
6599
CUSSONSBaby Powder Mild & Gentle
6 x 100g
2099
REVLONHand &
Body Lotion Unforgetable
Encounter1 x 250ml
749
TOP SOCIETYHand &
Body Lotion Assorted
1 x 350ml
1419
BABY LINEBaby White
Petroleum Jelly
1 x 500ml
1299
MANDLAPetroleum
Jelly Yellow Tub
1 x 500ml
8299
NIVEARoll-On
Assorted6 x 50ml
3899
TOUCH OF PEARLS
Beauty Soap
Assorted10 x 200g
4249
SATISKINBubble Bath
Assorted1 x 2L
6399
COLGATEToothpaste
Maximum Cavity
Regular
12 x 50ml
4799
10 x 300g
13819
1 x 144’s
2999MILTON
Steriliser Tablets
1 x 32’s
1329CUSSONS
Baby Wipes Naturally
Refreshing
1 x 50’s
3249
NIVEABody
Cream Tub Moisturiser
Assorted1 x 400ml
899
UBUHLE BENDONI
Hand & Body Lotion
Assorted1 x 400ml
10099COLGATE
Toothpaste Triple Action
Anticavity
12 x 100ml
4199DENTAZYME
Toothpaste Assorted
6 x 100ml
4099
ALLSTARMuscle Icy
Fire Rub6 x 75g
11699
DEEP HEATPain Relief Rub 5 Plus
1 Pack6 x 35g
7599
PAKMEDWintergreen
Ointment 10%
12 x 25g
16699
PUMABalm
Jars6 x 50g
5399
MOOVOintment
Rapid Relief Cream
1 x 100g
7699
CHEESARub Hot
6 x 50g
10369
ZAMBUKHerbal Lip
Balm36 x 7g
6299
PAKMEDSweet Oil Bp
6 x 50ml
8699
HERCULESCastor Oil B
12 x 50ml
7199
PAKMEDSurgical
Spirit6 x 100ml
7999
WOODS’Child Cough
Syrup6 x 50ml
8399
IMBIZAQuma
6 x 100ml
22999
MUTIEar Drops
12 x 10ml
24499
BABA SUURAntacid
4 x 100ml
10599
BIOPLUSEnergy
Boost Sachets
Assorted48 x 10ml
4099
CLOSEMYERSlimming
Tea1 x 50g
14299
LIP ICELipcare
Assorted Tray
1 x 24’s
2499
MUTIHeart
& Nerve Tonic
1 x 200ml
6999
LCCCough Syrup
Original6 x 50ml
3599
CALPOLPaediatric
Syrup1 x 100ml
1699
BODICAREStametta
Liquid1 x 500ml
4899
PANADOTablets
48 x 2’s
24299
GRAND-PAHeadache
Powder12 x 12’s
4599
ADCONapamol
Paracetamol Analgesic
Tabs48 x 2’s
6399
GAVISCONAntacid Plus
Sachets12 x 10ml
5599
PAINBLOKHeadache
Tablets48 x 2’s
6099
DISPRINXtra
Strength Tablets
52 x 2’s
2859
VICKSBaby Rub
1 x 50g
3949
TRUSTCondoms
Gravity12 x 3’s
7399
TRUSTCondoms
Regular24 x 3’s
9299
TRUSTCondoms
Studded24 x 3’s
4399
SUPERMAXKwik 11
Razor1 x 24’s
4699
ALWAYSMaxi Plus
Pads4 x 10’s
3499
STAYFREEThick Pads
Wings Regular
4 x 10’s
2999
LIBRESSEMaxi Pads
Classic Normal
4 x 8’s
11899
HUGGIESDry Comfort
Nappies Jumbo Pack
1 x 1’s
15399
PAMPERSActive Baby
Nappies Jumbo Pack
1 x 1’s
9899
CUDDLERSComfort Diapers
Value Pack1 x 1’s
6599
JOHNSON’SBaby Wipes
Extra Sensitive
1 x 288’s
1399
CLEREBody Cream
Assorted1 x 300ml
1899
JOHNSON’SBaby
Petroleum Jelly Scented
1 x 325ml
5999
SHIELDRoll-On
Assorted6 x 50ml
5699
SHOWER TO SHOWER
Roll On Assorted
6 x 50ml
6099
PLAYGIRLRoll-On
Assorted6 x 50ml
8999
PLAYGIRLDeodorant
Spray Assorted
6 x 90ml
2199
GOLD SERIESBeverly Hills
Perfume1 x 100ml
10999
FOLLOW MEPerfume
Oil12 x 25ml
11099
PLAYBOYDeodorant
Assorted6 x 125ml
4999
LIFEBUOYToilet Soap
Assorted6 x 175g
4699
SONABeauty Soap
Assorted10 x 300g
5099
LUXSoap
Assorted6 x 175g
5899AQUAFRESH
Toothpaste Fresh Mint
12 x 50ml
849
ZANAMusk
Petroleum Jelly
1 x 250ml
8999
REVLONDeodorant
Spray Assorted
6 x 120ml
2649
BIO OILTissue Oil
1 x 25ml
2349
DETTOLSoap
Assorted1 x 3’s
3499
LISTERINEMouthwash
Tartar Control
1 x 250ml
Size5 only
MEGA M NEYSAVERS
3499
JOHNSON’SBaby Oil
1 x 300ml
Thursday 5 April 2018 10
CROWN MINESCorner Crown Wood &
Main Reef Road, Crown Mines
Tel: +2711 839 4440
1049
EASY WAVESRelaxer
Creme Assorted
1 x 125g
1179
SOFN’FREECortical Relaxer
Cream Assorted
1 x 125ml
4099
PURE ROYALScalp
Stimulant 5 In 1
1 x 125ml
1749
BLACK VELVET
6 In 11 x 250ml
2169
AMLAIndian Green
Hair Oil1 x 350ml
1539
ISOPLUSRelaxer
Assorted1 x 250ml
2239
JABU STONEHair Food
1 x 125ml
8499
MPLMedicated
Hair Oil6 x 125g
2899
SULFUR 8Original
Yellow1 x 57g
5499
AUNT JACKIES
Heads Up Shampoo
1 x 355ml
1381
VITAFROHair
Lotion1 x 100ml
1899
SOFN’FREERelaxer
Creme Cortical
Assorted1 x 250ml
1649
EASY WAVESGel & Spray
Banded Pack1 x 250ml
1499
SOFN’FREEOil Shine
Formula Hair Moisturiser1 x 350ml
1719
NATURELOil Sheen
Hair Spray1 x 300ml
21499
RESTOREPlus Relaxer
Assorted1 x 5L
13999
EASY WAVESRelaxer
Creme1 x 5L
14299
SOFN’FREECorticalRelaxer Creme
Assorted1 x 5L
7499
EASY WAVESHerbal
Shampoo1 x 5L
1899
EASY WAVESAnti Frizz
Conditioning Oil Sheen
1 x 300ml
1699
LONG & LASTING
Hair Gel Activator
1 x 250ml
1439
NEXSHEEN ARGANICS
Natural Multi Purpose Hair
Spray1 x 250ml
899
NEXSHEEN ARGANICS
Oil Sheen Hair Spray1 x 85ml
35999
D&LRelaxer Eco
Salon Pack 2,4 kg
1 x kit
7299
HAIR NOVAAriel 10
1 x 1’s
5699
HAIR NOVABox Braid1 x 1’s
7999
HAIR NOVABrazilian
Lauren1 x 1’s
6799
HAIR NOVAPose
10/12/14In1 x 1’s
4799
HAIR NOVASenegal
Twist1 x 1’s
569
HAIR NOVAYaki Braid1 x 1’s
3729
EBONYDread
Lock1 x 1’s
2599
EBONYMega Braid
1 x 1’s
5599
EBONYPremium
Yaki Weaving 8In
1 x 1’s
4249
EBONYSoft
Dreadlock1 x 1’s
769
EBONYYaki
Braid1 x 1’s
7499
EBONYYaki
Weaving 8In1 x 1’s
4399
X PRESSIONSchary
1 x 1’s
2649
X PRESSIONUltra Braid
1 x 1’s
4999
LILYH/H New Deep 8In
1 x 1’s
4299
LILYKiss
1 x 1’s
2799
LILYSofter
Dreads1 x 1’s
1599
LILYUltra
Braid1 x 1’s
549
LILYYaki
Braid1 x 1’s
1579
DARLINGOne Million
Braids1 x 1’s
3299
DARLINGSuperstar1 x 1’s
4399
DARLINGTalia
1 x 1’s
769
DARLINGYaki Braid1 x 1’s
5299
AFRICAN SPLENDORAsian Bob 5
Piece1 x 1’s
8299
AFROIndian
Wave S/Hair1 x 1’s
8799
AFROTEXAngelina
S/Hair1 x 1’s
3999
AFROTEXR Dread 12
1 x 1’s
5799
AFROTEXSense
Weaving1 x 1’s
559
AFROTEXYaki Braid1 x 1’s
2039
SOF N FREEHair Gel Style
Non Flaking M/Hold
1 x 250ml
1499
JUST 4 KIDSRelaxer & Shampoo
Coarse1 x 200ml
1149
RESTORE PLUS
Relaxer Assorted
1 x 125ml
1999
RESTORE PLUS
Relaxer Assorted
1 x 250ml
1499
NATURELLithium Relaxer
1 x 250ml
3399
KUBIHair Food
1 x 250g
729
BLACK CHICRegular
Hair Food1 x 125ml
1269
BLACK CHICCoconut
Hair Food1 x 250ml
1899
STYLE & IMAGE
Hair Food 5-1 Vit E
1 x 250ml
1199
DAXHair
Food1 x 100ml
12999
D&LFat Protein
Relaxer Assorted1 x 2L
4999
INECTOOriginal
Rapid No1 Permanent Hair Colour
6 x 25ml
2589
CAIVILSemi
Permanent Hair Colour
Assorted1 x kit
8999SECRETS
Hair Colour Créme
Assorted
6 x 50ml
2199
D&LHair
Colour Assorted
1 x 100ml
6399
AUNT JACKIES
Soft & Sassy Super Duper Conditioner
1 x 434ml
5299
HAIR NOVAAfro
Phondo1 x 1’s
7999
HAIR NOVAH/H Bump 1
1 x 1’s
5099
SECRETDaniela
1 x 1’s
5099
SECRETKiss
1 x 1’s
1249
SENSATIONNELHot Water
Braid1 x 1’s
3399
EMERALDDreadlock Braid Soft1 x 1’s
999
EMERALDRabuja
Braid1 x 1’s
579
EMERALDYaki Braid1 x 1’s
5899
NINABodywave Hair Piece
1 x 1’s
5399
NINAS/Hair
Freedom1 x 1’s
2599
NINASoft
Dreads1 x 1’s
6199
LILYBrazilian
Natural 3 Piece
1 x 1’s
6299
STYLIN’ DREDZ
Hair Gel Mould Wax1 x 500ml
MEGA M NEYSAVERS
11Thursday 5 April 2018
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Thursday 5 April 2018 18
19Thursday 5 April 2018
CROWN MINESCorner Crown Wood &
Main Reef Road, Crown Mines
Tel: +2711 839 4440
BUTCHERYSee our great specialsinstore on Fruit & Veg
6999
STEWINGBeef
Per kg
3599
CHICKEN Flatties
Per kg
32990
CHICKEN Leg Quarters
1 x 10 kg
6999
OUKRAAL Boerewors
Per kg
2350
APPLESRed/Yellow
1 x 3 kg
MEGA M NEYSAVERS
5899
ACESuper
Maize Meal1 x 12,5kg
5199
PRIDESuper
Maize Meal1 x 12,5kg
8499
SASKOCake Flour
1 x 12,5kg
11799
SELATIWhite Sugar
1 x 10kg
15399
SELATIWhite Sugar
1 x 12,5kg
3499
ECONORice
1 x 5kg
2799
ECONOCooking
Oil1 x 2L
19899
KING KORNSorghum
Malt15 x 1kg
1049
BEACONMmmallows Pink & White
1 x 150g
999
BEACONSmoothies
Supa Assorted
1 x 50’s
3599
ECONOLemon
Creams12 x 150g
5899
FIRST CHOICE
Milk6 x 1L
2899
JOKOTagless
Teabags1 x 100’s
5899
11 O’ CLOCKRooibos Tagless
Teabags1 x 160’s
3099
BOKOMOWeetbix
1 x 900g
2599
JIGGIESCorn
Flakes1 x 1kg
4499
KELLOGSCorn Flakes
1 x 1,2kg
3769
HENS PRIDEEggs Large
1 x 30’s
7549HENS
PRIDEEggs
Large
1 x 60’s
4899
RED LION2 Minute Noodles
Assorted20 x 75g
11399
ROBERTSONSCream Of
Tartar50 x 12g
4249
ROBERTSONSBicarbonate
Of Soda50 x 14g
3259
ROYCOSoup
Assorted10 x 50g
2599
AQUELLEFlavoured
Water Assorted
6 x 500ml
2699
OROSOrange Squash
1 x 2L
9699
CLOVERKrush Fruit
Juice 100% Assorted
10 x 500ml
9899
TROPIKADairy Fruit
Blend Juice Assorted
24 x 200ml
1959
ZOOMReady To
Drink Juice Assorted
12 x 200ml
2399
INKOMAZIMaas
1 x 2kg
18799
CLOVERButter
Ghee1 x 1,5kg
14699
SUPREMEIQF Chicken
Mixed Portions
1 x 5kg
21599
RAINBOWRetail
Chicken Chunks
18 x 360g
23899RAINBOW
Super Chicken Chunks
12 x 600g
6499PARMALAT
Cheese Slices Assorted
1 x 900g
839
ULTRALow Fat
Spread Brick1 x 500g
5399
MOOI RIVERChoice
Butter Salt1 x 500g
2649SUNSHINE D
Margarine Lite Tub
1 x 1kg
7295
ECONODishwashing
Liquid6 x 750ml
5149
SUNLIGHTWashing
Powder1 x 3kg
1649
SUNLIGHTDishwashing
Liquid Refi ll1 x 750ml
3849
SUNLIGHTDishwashing
Liquid1 x 1,5L
9999
TOP CATCat Food Assorted
12 x 425g
20899COUNTRY
RANGEChicken Braai
Pack Tray
8 x 800g
53999
SUNLIGHTLaundry Bar Soap
84 x 250g
3599
CATMORDry Cat Food
Econo Adult Assorted
1 x 1,75kg
700
CARROT1 x 1 kg
2095
BANANA1 x 1,5 kg
895
CABBAGE1 x Each
Thursday 5 April 2018 20
CROWN MINESCorner Crown Wood &
Main Reef Road, Crown Mines
Tel: +2711 839 4440
PROMOTION PRICES VALID 5 APRIL - 10 APRIL 2018
TRADING HOURSMONDAY - FRIDAY 08:00 - 17:00SATURDAY & SUNDAY 08:00 - 13:00PUBLIC HOLIDAYS 08:00 - 13:00
MEGA M NEYSAVERS
349999
ROXYCaptain
Barber Black Chair
1 x 1’s
114999
ROXYTong Set 11 Piece
1 x 1’s
509999
ROXYWash Station
Max Black\Orange
1 x 1’s
134999
TORNADOHair Steamer
Black1 x 1’s
179999
TORNADOHood Dryer
On Stand 3 Speed
Black1 x 1’s
45999
WAHLHair Clipper
11 Piece1 x kit
14499
WAHLHair Clipper
Blade1 x kit
23999
HEATHair Dryer
Turbo 33001 x 1’s
14999
SALTONHair Dryer
1 x 1’s
9499
DIGITECHElectrical
Extension Lead 10A
10M1 x 1’s
12999
EVEREADYESL 11W
BC CDL1 x 5’s
12999
EVEREADYESL 15W
BC CDL1 x 5’s
12999
EVEREADYESL 15W
ES CDL1 x 5’s
949JMC
Party Plates 9In 116
88g-10 Piece
1 x 1’s
349
JMCStress Ball
Smiley1 x 1’s
869
KWALITYHand Painted
Mug 14Oz Match
1 x 1’s
1049
KWALITYHand
Painted Plate 10,5Match
1 x 1’s
1399
KWALITYHiball Dot
Assorted1 x 3’s
2499
KWALITYHiball Dot
Assorted1 x 6’s
1399
KWALITYHiball Square
Assorted1 x 3’s
2499
KWALITYHiball Square
Assorted1 x 6’s
369
KWALITY HOMEHiball
Tumbler1 x 1’s
899
KWALITYLine Edge
Mug 3 Colour 12oz
1 x 1’s
849
KWALITYHand Painted
Bowl 7In Match
1 x 1’s
899
KWALITYLine
Edge Bowl 3 Colour 7in
1 x 1’s
999
KWALITY HOME
Plate Hand Painted
10,5in1 x 1’s
599
MELBROMarbles
With Top1 x 1’s
849
NSTape
Packaging Buff/Clear
48mmx50m1 x 1’s
8499
TOTALLY HOME
Braai Set1 x 3piece
949
TOTALLY HOME
Mason Jar1 x 1’s
1899TOTALLY
HOMEUnder Plate
1 x 1’s
1299
TOTALLY HOME
Serving Spoon
1 x 1’s
2799
TOTALLY HOME
Table Spoon1 x 6piece
2799
TOTALLY HOME
Tea Spoon1 x 6piece
2799
TOTALLY HOME
Fork1 x 6piece
15999
TISSOLLIKnife Set Stainless
Steel Non Stick
1 x 6piece
13999
OKAPIKnife Moon & Star Lock
1 x 5’s
1969
RASHIDAPlastic Stool Heavy Duty
Black1 x 1’s
599
CAPTONEBicycle
Tyre Repair Kit 93-4
1 x 1’s
599
CAPTONEBicycle
Tyre Repair Kit 93-5
1 x 1’s
599
CAPSTONEBicycle
Tyre Repair Kit 93-7
1 x 1’s
1149
KWALITY HOME
Dinner Plate White 10,5in
1 x 1’s
1199
KWALITYLine Edge
Plate 3 Colour
10,5in1 x 1’s
1149
KWALITY HOME
Plate Line Edge 10,5in
1 x 1’s
17499
TOTALLY HOME
Dust Bin Stainless
Steel1 x 12L
4299
BTMadrid
Black Low Back Chair
1 x 1’s
69999
CYBERBIKEBicycle
20 Inch Bmx1 x 1’s
2399
JMCToothpick
250 Pieces1 x 12’s
21Thursday 5 April 2018
Thursday 5 April 2018 22
23Thursday 5 April 2018
PROPERTY
DÉCOR
Your next home improvement feature WEDNESDAY 11 APRIL 2018
Whether you’re a DIY fundi, always looking for new décor tips, in the market for a new home or simply wanting to create the perfect home to suit your lifestyle, our home improvement feature will help you turn your projects into reality to create your perfect living space.
LIFESTYLE
DO-IT-YOURSELF
Thursday 5 April 2018 24
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25Thursday 5 April 2018
Thursday 5 April 2018 26
27Thursday 5 April 2018
Thursday 5 April 2018 28
PERSONAL FINANCE JUST GOT PERSONAL
HOW TO MANAGE YOUR MONEY
TAX
Property
investments
Trends on investments
Budget properly
Insure your assets
Pay less tax
Plan for retirement
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