By Tokiso TKay Nthebe
As snow blankets Lesotho’s majestic mountains, we are reminded that winter is both a beautiful and challenging season—especially for those of us balancing careers, businesses, and valuable assets.
Whether you’re a young professional with your first car and home, or an entrepreneur managing property and operations, winter brings more than a chill—it brings real financial risks.
Here are three smart, actionable money moves to help you protect your finances and stay warm this winter:
1. Review Your Insurance: Protect What Matters Most
Winter weather can be brutal—think hailstorms, icy roads, burst pipes, and fallen trees. Murphy’s Law tends to strike hardest in this season.
Check that your homeowners, house contents, and car insurance policies are active, and updated, and provide adequate cover. Confirm whether your policies include winter-specific hazards like snow or flood damage. Take inventory of recent purchases or renovations that may need added cover.
Quick win: Call your insurer this week for a winter readiness policy review. It could save you thousands.
2. Drive Smart: Safety is a Financial Strategy
Many of us take advantage of Lesotho’s scenic winters to explore, attend festivals, or simply enjoy the snow. But icy roads and reduced visibility can lead to accidents—costly ones.
Inspect your vehicle’s tyres, brakes, and lights before travel. Keep an emergency kit and roadside assistance plan in your vehicle. Stay updated on weather alerts and plan routes accordingly.
Tip: Add a winter vehicle service to your calendar—it’s a smart investment.
3. Keep Warm Without Burning a Hole in Your Wallet
Cosy heaters, electric blankets, and gas fires are winter comforts—but they come with financial and safety implications.
Monitor your consumption of electricity, paraffin, or gas weekly. Turn off heaters before you leave or sleep. Never leave children alone with heating appliances. Consider cost-efficient alternatives like warm bedding, draft stoppers, and layered clothing.
Budget hack: Set a winter energy budget and track it with a simple spreadsheet or app.
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Final Thoughts
Winter in Lesotho is a season to embrace—with hot drinks, warm fires, epic escapes and snow adventures. But don’t let the cold catch your finances off guard.
Protect your assets. Monitor your spending. Drive safely. And stay financially empowered.
Stay Trailblazing.
Tokiso TKay Nthebe is an author, podcast host, financial coach and lead advisor at TKO Financial Wellness & Advisory who is passionate about financial wellness, education and financial planning.
For more visit www.tkofinancialwellness.com or email info@tkofinancialwellness.com
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