Budgeting

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Parkside

First National Bank of Namibia LTD
C/O Fidel Castro & Independence Ave
Box 195, Windhoek
Tel: 061 2992111
infonam@fnbnamibia.co.na

The Parkside branch also services RMB, Homeloans and WesBank clients.

RMB Namibia Tel: 061 2992340

RMB Corporate Banking
Tel: 061 2998446
infonam@fnbnamibia.com.na

WesBank
C/O Fidel Castro & Independence Ave
Box 195, Windhoek
Tel: 061 2992437
wesbank@fnbnamibia.com.na

Homeloans
C/O Fidel Castro & Independence Ave
Box 2150, Windhoek
Tel: 061 2992523 / 061 2992524
bonds@fnbnamibia.com.na

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Private Clients

C/O /Fidel Castro & Independence Ave
First Floor
Box 285, Windhoek
Tel: 061 2992838

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Grove Mall

C/O Chasie & Frankie Fredericks St, Ground Floor
Shop 44, The Grove Mall shopping centre
Box 35387, Kleine Kuppe, Windhoek
Tel:061 2992222

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Southern Industrial Area

P/Bag 5177, Ausspannplatz
info@fnbnamibia.com.na

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John Meinert

C/O Independence Ave & John Meinert St
Box 23043, Windhoek
Tel: 061 299 2222

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Prosperita

110 Nickel St, Prosperita
Box 285, Windhoek
el: 061 2992222

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Contact Centre
C/O Fidel Castro & Independence Ave
Box 285, Windhoek
el: 061 2992222

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Katutura

Pick n Pay Complex, Independence
Katutura
Box 62207, Katutura, Windhoek
Tel: 061 2992222
fnbkatutura@fnbnamibia.com.na

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Northern Industrial

16 Nguni St, Northern Industrial Area
Box 23043
Tel: 061 299 2222

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Private Wealth
C/O Fidel Castro & Independence Ave
Ground Floor
Box 285, Windhoek
Tel: 061 2998447

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Windhoek

207 Independence Ave, Windhoek
Box 285, Windhoek
Tel: 061 299 2222

Bureau de Change
207 Independence Ave, Windhoek
Box 285, Windhoek
Tel: 061 299 2222

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Aranos

First National Bank of Namibia LTD
17 Main St, Box 91 Aranos
Tel: 061 299 2222

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Eenhana

First National Bank of Namibia LTD
BH Complex Main Rd, Box 13407 Eenhana
Tel: 061 299 2222

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Gobasis

First National Bank of Namibia LTD
44 Church St, Box 14 Gobabis
Tel: 061 299 2222

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Grootfontein

First National Bank of Namibia LTD
Hage Geingob Ave, Box 30 Grootfontein
Tel: 061 2992222

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Henties Bay

First National Bank of Namibia LTD
C/O Jakkalsputz & Duineweg, Box 447 Henties Bay
Tel: 061 299 2222

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Karasburg

First National Bank of Namibia LTD
79 Main St
Tel: 063 270012
Fax: 063 270079

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Karibib

First National Bank of Namibia LTD
Main St Hidipo Hamutenya, Box 24 Karibib
Tel: 061 299 2222

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Katima Mulilo

First National Bank of Namibia LTD
Hage Geingob Drive, Erf 329 Katima Mulilo
Tel: 061 299 2222

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Keetmanshoop

First National Bank of Namibia LTD
76 Hampie Plichta Ave, Box 77 Keetmanshoop
Tel: 061 299 2222

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Luderitz

First National Bank of Namibia LTD
12 Bismarck St, Box 10 Luderitz
Tel: 061 299 2222

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Mariental

First National Bank of Namibia LTD
Erf 280 Dr Sam Nujoma Ave, Box 131 Mariental
Tel: 061 299 2222

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Nkurenkuru

First National Bank of Namibia LTD
Nkurenkuru Shopping Mall, Main Rd
Tel: 061 299 2222

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Okahao

First National Bank of Namibia LTD
Okahao-Tsandi main Road, Box 42 Okahao
Tel: 061 299 2222

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Okahandja

First National Bank of Namibia LTD
Shop 16, Okahandja Shopping Mall, Box 140
Tel: 061 299 2222

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Okakarara

First National Bank of Namibia LTD
89 John Tjikuua St, Box 212 Okakarara
Tel: 061 299 2222

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Okongo

First National Bank of Namibia LTD
Room no 16, Okongo Complex, Box 15216 Okongo
Tel: 061 299 2222

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Omuthiya

First National Bank of Namibia LTD
Omuthiya Shopping Centre, Shop no 10 Main Road Omuthiya
Box 19281 Omuthiya
Tel: 061 299 2222

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Ondangwa

First National Bank of Namibia LTD
37 Main Rd, First City Centre
Box 42, Ondangwa
Tel: 061 299 2222

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Ongwendiva

First National Bank of Namibia LTD
Tel: 061 299 2222
Area Office

Ongwediva
Shop 28-32, Oshana Mall, Main Road,
Tel: 061 299 2222
Box 3321,
Tel: 061 299 2222

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Opuwo

First National Bank of Namibia LTD
NDC Park 1, Main Road, P/Bag 3008 Opuwo
Tel: 061 299 2222

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Oranjemund

First National Bank of Namibia LTD
8th Avenue, Box 204 Oranjemund
Tel: 061 299 2222

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Oshakati

Oshakati Game
Game Shopping Complex, King Mandume Road
P/Bag 5510, Oshakati
Tel: 061 299 2222

First National Bank of Namibia LTD
Erf 272, Okatana, Main Road
P/Bag 5510, Oshakati
Tel: 061 299 2222

FNB Insurance Brokers Namibia (PTY) LTD
Office No 8, Oshakati Complex
Tel: 061 299 2222

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Otavi

First National Bank of Namibia LTD
No 13, Unie St, Box 81 Otavi
Tel: 061 299 2222

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Otjiwarongo

First National Bank of Namibia LTD
7 George St, Box 64 Otjiwarongo
Tel: 061 299 2222

Otjiwarongo Midway Agency
Hage Geingob St, Spar Complex, Shop no 2
Tel: 061 299 2222
Box 64 Otjiwarongo

Central North Area Office
196 Hage Geingob St, Box 2047 Otjiwarongo
Tel: 061 299 2222
Fax: 067 308805

FNB Insurance Brokers Namibia (PTY) LTD
44 Hage Geingob St, Box 667 Otjiwarongo
Tel: 061 299 2222
Fax: 067304438

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Outapi

First National Bank of Namibia LTD
Tsandi, Main Road, Box 35 Outapi
Tel: 061 299 2222

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Outjo

First National Bank of Namibia LTD
Erf 29, Shop 7, President Ave, Outjo Park, Box 16 Outjo
Tel: 061 299 2222

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Rehoboth

First National Bank of Namibia LTD
Erf 1, C/O Church & Bahnhoff, Block B, P/Bag 1008 Rehoboth
Tel: 061 299 2222

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Rosh Pinah

First National Bank of Namibia LTD
2 Lood St, Box 418 Rosh Pinah
Tel: 061 299 2222

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Rundu

First National Bank of Namibia LTD
Maria Mwengere Street
Box 149 Rundu
Tel: 061 299 2222

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Swakopmund

First National Bank of Namibia LTD
16 Tobias Hainyeko St, Box 1 Swakopmund
Tel: 061 299 2222

Mondesa
1040 C/O Independence & Mandume Ndemufayo Ave
Mondesa, Box

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Tsumeb

First National Bank of Namibia LTD
74A Presidents Ave, Box 251 Tsumeb
Tel: 061 299 2222

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Walvis Bay

First National Bank of Namibia LTD
138 Sam Nujoma Ave, Box1 Walvisbay
Tel: 061 299 2222

Kuisebmond
Shop 4& 5 Nataniel Mauxuilili Service Centre
Kuiseb Mall, Kuisebmond, Box 1819 Kuisebmond
Tel: 061 299 2222
Fax: 064 280501

WesBank Finance
No 5, 11 Road, Walvisbay
Box 2941, Windhoek
Tel: 061 299 2222
Fax: 064 203409

FNB Insurance Brokers Namibia (PTY) LTD
116 6 St, Box 1640 Walvis Bay
Tel: 061 299 2222
FNB Insurance Brokers complaints
fnbibcomplaints@fnbnamibia

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Klein Windhoek

No 9 Eaton Heights, Bassingthweighte St
Klein Windhoek
Box 285, Windhoek
Tel: 061 2992222

Find a branch

Maerua Mall

1st Floor, Shop no 37
Maerua Mall Shopping Centre
Tel: 061 299 2222

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Windhoek
Other areas

Please select

Parkside
Private Clients
Private Wealth
Grove Mall
John Meinert
Katutura
Maerua Mall
Northern Industrial
Prosperita
Windhoek

Aranos
Eenhana
Gobabis
Grootfontein
Henties Bay
Karibib
Katima Mulilo
Keetmanshoop
Luderritz
Mariental
Okahandja
Okahao
Okakarara
Okongo
Omuthiya
Ondangwa
Ongwediva
Opuwo
Oranjemund
Oshakati
Otavi
Otjiwarongo
Outapi
Outjo
Rehoboth
Rosh Pinah
Rundu
Swakopmund
Nkurenkuru
Tsumeb
Walvis Bay

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Private Banking

Private Clients - Earn an income of N$750 000 to N$1,499 999 per annum, or with a NAV of N$10 million + Private Wealth - Earn an income of N$1.5m + or with a NAV of N$15 million

Distinguish between your

needs & wants

Each person's needs and wants are different. For many people a laptop might be something that they want but an IT professional needs it.
Needs are things that you cannot do without. These generally include food, water, housing and basic clothing.

Wants are those things that we would like to have, or that are nice to have, but we do not need them to survive. They are often called luxuries and include the latest mobile phone, cars, expensive clothing and accessories, and lavish parties.
To set up an accurate budget be honest about what you really need and what you want.

What is your monthly

Income?

Income is any money you receive on a regular basis. You might earn income from various sources including: salary or wages, a social government grant, allowances (from family and friends) or cash gifts.

It can also be money received from offering a service like baking, sewing, looking after children, braiding people's hair or offering a taxi service.

Tips to reach your

Budget

When you need to cut down on certain expenses, it is usually easier to cut down on variable expenses, especially variable wants.
Budgeting isn't a once-off activity. You should revisit your budget regularly as your income or expenses change.
Prioritise saving in your budget by listing it as a fixed expense. Savings often get lost in the overall budgeting process simply because of overspending.
Focus on keeping within your budget. By managing your expenses you reduce the likelihood of your expenses exceeding your income. By keeping track of where your money is going it is easier to get back on track, if you do go over budget.

Budgeting

If I budgeted I could've bought...

We know that budgeting sounds complicated and a little intimidating but a budget is simply a plan that helps you see how much money you get every month, where it is spent and how much you plan to save.

These five easy steps will get you started in drawing up a budget:

Know what you can afford

Distinguish between your needs and your wants.

List your sources of income.

List your expenses, including what you need to save.

Subtract your expenses from your income to see what you have left.

Keep track of your monthly expenses by updating your budget regularly.

Distinguish between your

needs & wants

Each person's needs and wants are different. For many people a laptop might be something that they want but an IT professional needs it.
Needs are things that you cannot do without. These generally include food, water, housing and basic clothing.

What is your monthly

Income?

It can also be money received from offering a service like baking, sewing, looking after children, braiding people's hair or offering a taxi service.

Fixed expenses

The amount you pay does not change frequently and payments are made regularly (e.g. monthly) including rent or bond repayments, school fees, insurance premiums and car repayments.

Variable expenses

For these accounts you must give your bank notice when you want to withdraw your money.

Saving

These accounts are for short-term investments of less than 12 months.

Tips to reach your

Budget

When you need to cut down on certain expenses, it is usually easier to cut down on variable expenses, especially variable wants.
Budgeting isn't a once-off activity. You should revisit your budget regularly as your income or expenses change.