Budgeting for a lot of people is not something they want to think about. When they do think about it, it creates anxiety and is filled with a lot of negative emotions. Some people though find creating a budget a positive experience. For them, budgeting is freeing. The first word that came to my mind […]

Going back to school can be expensive It’s back to school time again. I must admit it is going to be a relief to have the children occupied for at least part of their day. I am talking about teenager’s here, not just the little ones. Each year we get gulled into buying new stationery […]

New Year Resolution I don’t normally make a New Year Resolution (the Jewish New Year has come and gone); however, for 2020 I have made a massive resolution for the next decade. GET OUT OF DEBT AND STAY OUT! I did really well in 2019 to pay off my store cards and then when they […]

Cleaning your bathroom is something that happens every day but is it really getting clean?  And what about the cleaning soaps we use, are those that get the stains out, that good? House Cleaning Check list What did they use before the ducks and the gels? How did you get a bathroom really clean? Do you […]

One of my favourite budget stretchers just got even better! KOO Beans! I love adding beans to food to bulk it up and now I have even more recipes and ideas to try out. By chance, I saw a post on SA mom blogs https://samomblogs.co.za/ about KOO hosting an event to launch their new range […]

Thank you, Checkers, for the Xtra Savings! On the 14th October, 2019 Checkers introduced their loyalty card, the Xtra Savings card, and within the first week they had signed up a million people!  I am one of them. The opening savings are, I hope, an indication of the future because those prices were amazing. Unfortunately, […]

Envelope budgeting has been around for years. There is a good chance that if you asked an older family member they will have either done it or heard about it. I have mentioned envelope budgeting in a few articles in the past and again recently. It is recommended by financial gurus such as Dave Ramsey […]

‘Cash is king’: If you always pay cash, you don’t get into debt. Somewhere along the way, this has been forgotten. I know I was aware of it before my children were born. Pay Cash My father never bought anything on credit except his house; I think my parents bought their first car on credit […]

Do you manage your money or does your money manage you? For some living from paycheck to paycheck is a difficult way of life, and often results in more month than there is money. Money in Money out When you do not manage your money properly this is what happens. Money comes in on payday […]

No matter the size of the win, lotto winners who wish to keep their money, need to budget. There are more lotto winners who have lost it all than those that have kept it. I am not talking about the smaller winners but the ones who win big. There is obviously an urge to spend […]