- A professional with academic accolades and practical experience in South Africa’s financial services sector.
- Deeply passionate about educating taxpayers and helping them stay compliant.
- Committed to continuous learning—currently pursuing an Advanced Diploma in Financial Markets “for fun.”
Tax isn’t just paperwork and percentages. It’s strategy, structure, and ultimately, empowerment. That’s the perspective of Mavis Mathe, a Tax Accountant in the banking industry who’s as passionate about legislation as she is about helping people navigate it. With a BCom in Accounting (Cum Laude), Honours in Taxation, and an MCom in Taxation, Mavis brings both academic excellence and practical wisdom to the world of tax in South Africa.
Turning a Passion Into a Profession
For Mavis Mathe, tax was never just a module in her BCom Accounting degree—it was love at first legislation. “My passion for tax began at an early stage of my academic journey,” she shares. “I started doing taxation in my second year, and I knew then that this was the career path I wanted to specialise in.”
Now working as a Tax Accountant in the banking industry, Mavis brings a unique blend of technical know-how and heartfelt dedication to her profession. But beyond the numbers and legislation, her mission is simple: help others understand and take control of their tax responsibilities.
The Building Blocks: Qualifications & Experience
Becoming a tax specialist in South Africa starts with the right education. “As a minimum,” Mavis explains, “you require a bachelor’s degree in accounting or any relevant NQF-level qualification that includes tax and accounting modules.” Experience isn’t mandatory right away, thanks to graduate programs and internships that help newcomers gain foundational skills.
Doing What You Love Pays Off
When asked what keeps her motivated, Mavis doesn’t hesitate: “Waking up every morning to do what I love and what I am passionate about has to be the most rewarding thing about my career.” That passion translates into continuous learning and professional development. She keeps up with ever-evolving tax laws through current affairs, LinkedIn updates, professional development (CPD) training, and weekly workplace sessions.
Common Mistakes to Avoid
When it comes to practical advice, Mavis doesn’t hold back.
For small business owners, the biggest red flag is poor record-keeping. “Proper record keeping is the key to ensuring that the small business is always fully compliant with declaring income and claiming relevant expenses.”
Young professionals, she says, often assume their employer will handle everything. “That is very incorrect. Ensuring tax compliance is one’s personal responsibility as a registered taxpayer.”
Tax Deadlines That Matter
Missing tax deadlines can result in hefty penalties and interest. For individuals, personal income tax return deadlines are critical. If you’re a provisional taxpayer, don’t forget those due dates either.
For businesses, the same rules apply—plus VAT, withholding tax, and other tax types that may apply to their operations. “The SARS website clearly states all the due dates that South African taxpayers should be aware of,” Mavis reminds us.
Avoidance vs. Evasion
There’s a thin—but legally crucial—line between tax avoidance and evasion. “Tax avoidance involves using legal methods to minimise tax liabilities,” says Mavis, “while tax evasion is illegal and includes misrepresentation or not disclosing income.” One uses the system; the other cheats it. Only one is legal.
Overlooked Benefits and Deductions
“Many people overlook the opportunity to claim home office expenses,” she says. But if you work from home and have a dedicated space, this can reduce your taxable income—provided you keep proper records.
Businesses, on the other hand, have unique deductions depending on their operations. “For instance, companies providing learnerships may claim learnership allowances and the Employment Tax Incentive (ETI), provided they meet certain criteria.”
Freelancers, Take Note
If you’re earning freelance income—say R20,000 a month—Mavis has clear advice: record everything.
“This includes both income and expenses. You must support any income you declare to SARS and any expense you claim.” Only expenses directly related to producing your income can be deducted. “There’s a section in your personal income tax return to disclose freelance income and expenses. Use it correctly.”
Entrepreneurs and Tax Planning
“Consult with a registered tax practitioner,” Mavis insists. It’s not just about compliance—it’s also about efficiency and leveraging benefits. Two such advantages include:
1. Small Business Corporation (SBC) Tax Relief – Reduced tax rates and accelerated allowances under section 12E of the Income Tax Act.
2. VAT Registration Thresholds – Turnover below R1 million means no mandatory VAT registration, but once you cross R50,000, you can voluntarily register.
What If SARS Comes Knocking?
If you’re audited, don’t panic—just be prepared.
“Provide every single piece of documentation SARS requires. I’ve found it helpful to include a cover letter that addresses their queries and references annexures.” Timeliness, clarity, and structure are key. “Patiently follow up and escalate if necessary.”
Making Tax Season Less Stressful
To avoid last-minute chaos, Mavis recommends:
- Keep documents organised.
- Know your deadlines.
- Don’t assume auto-assessment means done and dusted.
- Amend returns if you disagree with the assessment.
- Consult a registered tax practitioner—especially if your affairs are complex.
Whether you’re just starting your career, running a small business, or freelancing on the side, managing your tax doesn’t have to be a nightmare. In fact, with the right knowledge and support, it can be a powerful tool for financial empowerment.
About the Tax Specialist
Mavis Mathe is a qualified tax accountant in the financial services sector with a BCom in Accounting (cum laude) and an Honours degree in Taxation from the University of Johannesburg. She also holds a Master’s in Taxation from the University of Pretoria and is currently pursuing an Advanced Diploma in Financial Markets “just for fun.” A lifelong learner and tax education enthusiast, Mavis is passionate about making tax understandable and manageable for every South African.
If she could study for a living, she would—and honestly, the tax world is better for it.
