And a subheadJuly 11, 2026 at 5:00 amStart saving today — small amounts at the beginning of your career will grow much faster than huge amounts later in life, says Therèse Havenga, head of business transformation at Momentum Savings. Stock image. (shaun uthum) While fashion changes so fast it’s hard to keep up, many money management tips are as true in the 2020s as they were decades before.“I cling to a couple of money principles that I’ve learnt from my parents and grandparents. They may not sound flashy or trend on social media — but they have stood the test of time,” says Therèse Havenga, head of business transformation at Momentum Savings. She advises:If you are not happy with a little money (though enough to cover your essentials), more money will not make you proportionally happier.Saving can be hard, so focus on the possibilities it can provide.Start saving today. Small amounts at the beginning of your career will grow much faster than huge amounts later in life.Accept that money generally comes from hard work.Save for treats, like fabulous shoes, and use credit for your home and car and when the wheels really come off.Set, and achieve, goals by writing them down, making them measurable and sharing them with someone close to you.