Creating a grocery budget is an important step to reducing debt How to start Before I even meet with potential clients, I ask them to estimate their monthly grocery bill. This includes not only food but also house cleaning products and toiletries. The reason for this is that we generally by all these products together. […]

Debt snowballing is a term used by Dave Ramsey to explain how to pay off debt. I have written about this before but it is such an amazing way to pay off debt. It may not be fast but it definitely produces results. As with creating a snowball from snow, you start off with a […]

Happy birthday but at what price? As I read through posts on various mom groups, I notice a trend of over the top expensive birthday parties for 1-year-olds. Who’s it really for? It seems strange to me that we all spend so much money on a party the child really doesn’t care about. The 1st […]

The back to school rush is about to begin here in South Africa. Not only getting the last minutes supplies and textbooks but also checking to see that the uniforms still fit! If you are like me and have left everything to the last minute, the race and search for second-hand textbooks so that we […]

Black Friday is one of the best times of the year for bargains and bulk shopping. Yet I have to wonder if it is worth the hassle? How much is too much Since it is right before payday, where does the money come from? Are businesses paying their staff early, or are people taking out […]

Debt cents is another way to begin lowering what you currently owe. It may take longer than the debt snowballing I previously wrote about. Debt free for R40 per month extra What is debt cents Debts cents is where you take your minimum monthly repayment on any current debts and round it up to the nearest […]