Skip to content
More ThanJust Money

Harika van der Merwe

Your financial future deserves a plan.

Understand where you stand, identify what needs attention, and take your next step with confidence.

More Than Just Money is a simple place to check your financial health and connect with Harika van der Merwe when you want personalised advice.

Take the financial health checkTalk to Harika

Question 1 of 12 · start here

If your income stopped tomorrow, would the people who depend on you be financially okay?

Nothing is saved until you choose to share it.

How healthy are your finances?

The check looks at four areas. It asks what you recognise about your own situation, not what you have saved.

Protect

What happens to the people who depend on you if your income stops.

Prepare

How well you can absorb a shock without borrowing.

Grow

Whether money you set aside is working toward something.

Plan

Whether your longer-term intentions are written down anywhere.

Start my check-up

What matters to you?

Tools worth using

Each one shows its assumptions and gives an indicative figure, not a quote.

Emergency fund

How many months your household could keep going if income stopped.

Life cover needs

A rough sense of the gap between what your household would need and what is already covered.

Income resilience

How long your household could meet its commitments if your income stopped.

Retirement contributions

Where your current contributions are heading, in today's money.

Debt payoff

How long a debt takes to clear, and what paying extra changes.

Savings goal

What it takes each month to reach a specific amount by a specific date.

Education planning

What a education will likely cost by the time it starts, and the gap.

Investment growth

How much of a final amount is your own money, and how much is growth.

Net worth

What you own less what you owe, and how much of it you could actually reach.

Protection gap

Income replacement, debt and dependants set against what is already covered.

How it works

  1. 1

    Check where you are

    Twelve questions, about ninety seconds, no figures required.

  2. 2

    See what stands out

    A plain-language picture of which areas look thin.

  3. 3

    Talk it through

    Bring the questions to Harika when you want a real answer.

Harika van der Merwe

Why Harika

Harika van der Merwe writes and podcasts about money in plain language.

This site explains things. It does not advise, sell or recommend.

More about Harika

Where to find her

She publishes a podcast in Afrikaans and English, and posts regularly.

This website provides general financial information. No financial service is offered here, no financial advice is given, and no financial product is sold, recommended or promoted.

Know where you stand.

Twelve questions. No figures, no signup, no obligation.

Take the financial health check

This check is a general orientation, not a diagnosis. It does not consider your full circumstances and is not financial advice. A proper advice process looks at far more than a short questionnaire can.