It’s November already—and I don’t know about you, but 2025 feels like it’s flown by even faster than last year. The older I get, the more it seems that time doesn’t just pass—it accelerates. Maybe it’s because our lives are fuller, or perhaps it’s because we’ve learned how precious time really is. Either way, here we are, on the doorstep of another festive season.
For many retirees, the next few months are going to be wonderfully busy. Some of us will be packing bags to visit children and grandchildren for Christmas, while others will be preparing for family to descend on St Francis for their summer break. The town will soon be humming with energy, laughter, and the smell of sunscreen and braais. It’s a special time—but let’s be honest, it can also be stressful.
Curveballs have a way of sneaking in just when we think we’ve got everything under control. A sudden health issue—ours or someone else’s—a flare-up of old family tensions, or a few too many unexpected expenses can easily upset the balance. The best way to keep the season joyful is to prepare as much as possible.
Start with the basics. Make sure the cash or funding you expect to need is available and accessible. Book restaurants and activities early—nothing spoils the mood like being turned away when the kids are hungry and the grandkids are restless. If you’re planning family activities like golf days, boat trips, or a bit of fishing, get them on the calendar now. Sort out accommodation early so that everyone feels welcome and comfortable.
It all sounds obvious, but it’s the “obvious” things that most often slip through the cracks. The same goes for Christmas gifts—decide upfront how you want to handle them so that everyone feels thought of and treated fairly.
We often think that family harmony will just happen naturally because it’s the festive season. But as most of us know, the words “normal” and “family” rarely appear in the same sentence. Every family is unique—and that’s what makes it special—but it also means a little planning goes a long way.
Finally, spend your money where it matters most: on creating shared experiences and lasting memories. A family outing, a day on the water, or a meal filled with laughter will be remembered long after the wrapping paper’s been thrown away.
Because at the end of the day, that’s what true wealth looks like.
—
Dirk Groeneveld, Certified Financial Planner
t. 083 261 9287
—
Previous Columns:
Recent Comments