Meanwhile if you want to buy a gift that keeps on giving you could invest in a copy of From Debt To Riches (Jacana) by Phumelele Ndumo. It tells you things credit providers don’t want you to know. It is an easy-to-understand guide and packed with useful information. There are real life scenarios that help you to understand, for example why it is better to save and pay cash for furniture, instead of buying in on credit.

Ndumo covers the whole spectrum of money management including the best-kept secrete about saving; why it is important to have a will; insurance; how to use your home to create wealth for yourself and what to do before you say “I do”

There is also a chapter on how to invest in the stock exchange.