The perfect money month (#205‪)‬ The Fat Wallet Show from Just One Lap

A while back my smart and handsome co-host Simon Brown did a presentation about the perfect trade. Even though I don’t trade myself, I found the presentation inspiring. As we often advocate, when it comes to this money business it’s best to focus only on what you can control.
A conversation with Cash Club writer Njabulo Nsibande made me realise we can apply the idea of a perfect trade to our investments too. As Simon and I flesh out that idea in this podcast, we realise you can aim for a perfect month in your own finances, regardless of what you’re currently focusing on. 
Here’s the template for the perfect money month we came up with:
The first money that leaves your account after every pay cheque goes towards your future. Look at your money: A broad overview of your whole portfolio, as well as your individual expenses every month.  Don’t use the money you set aside. Every month you do all three of these things is a perfect month. Your challenge is to see how many months you can get in a row. Who’s game?
Subscribe to our RSS feed here. Subscribe or rate us in iTunes. Win of the week: Linka
I found "Just one lap podcasts" via Stealthy's blog where I ended up after not agreeing with a financial adviser about an investment strategy and deciding if other people can understand this stuff, I can too. 
Vigorous amounts of googling and reading showed that as I guessed, none of this stuff is rocket science, its just the way that the information is presented that precludes the general public from accessing it. Thanks for all you and Simon's contribution to unraveling the unnecessary verbose complexity the industry uses. In short, just want to say, I really enjoy the podcasts. Have started to listen to the JSE direct one as well and surprisingly, I can understand most of it!
I recently started working for myself and registered a company. Mainly to enable future tax deductions and to keep company and personal equity separate. 
I opened a business account with FNB. At the time it made sense to me since I was already with them. I wanted a 7 days fixed deposit account to stash the incoming payments to keep this money from being lazy money.
However - After looking at the bank fees for the gold account (personal) + business account I am starting to dislike the numbers. Also the extra charges I missed somewhere in the fine print is really starting to annoy me.
If I don’t need to have a business account, I can open two accounts at Capitec, which would probably be much cheaper. If this is not contrary to SARS' requirements - Capitec does not do business accounts yet.
While being employed I was able to cover my bank charges with Ebucks, but with an irregular income, I doubt whether I will be able to maintain that level.
Brendon
My wife and I purchase the Ashburton World Government Bond ETF.
The initial thinking was simply to get exposure to bonds. But I've been trying to figure out if we should rather purchase SA retail bonds instead of a bond ETF.
Could you go through some differences and pros and cons of SA retail bonds versus bond ETFs.
I understand that retail bonds provide you with a fixed interest rate (coupon), but I'm interested to know in what situations you would purchase one over the other.
Marina
We recently had a baby and decided to start saving for her immediately. The purpose of saving is mainly for her tertiary education. 
We decided to go 50/50 into Discretionary and her TFSA. She can choose where to draw the money from when she starts University. It will be a good learning opportunity for her. 
For the discretionary investment we want to do cash. FNB has a “my first savings” product at 5.75% interest and no monthly or transactional fees. However, our broker also pays interest on money not invested at a rate of around 6%, but Simons says it is illegal to do this. Why is it illegal?
Can I invest the money into a cash ETF with similar returns? The main concern is whether she