Category Archives: household management

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Bathroom tap

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 […]

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Photo by Chastity Cortijo on Unsplash

5 sheets to the wind is usually an expression used when someone is very drunk.  This is what I should have been when I read an article about how often you should wash your sheets. https://www.cnet.com/how-to/do-you-wash-your-sheets-enough-probably-not/ Changing your bed linen weekly is something I assumed happened in every home, apparently not! The recommendation is once […]

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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, […]

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Envelope budgeting

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 […]

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Keep your Credit ratings up

‘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 […]

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Money management

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 […]

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Money management

There are no quick fixes in getting out of debt. Whether you are doing it yourself or with an advisor, getting out of debt will take time. Depending on the amount of debt, it could take weeks, months or even years. Debt snowballing, quick method to small debt One of the quickest methods, when doing […]

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Do you know what it costs?

‘Do you know how much you spend each week/month?’ This is one of the first questions I ask potential clients during the 20-minute free discovery call. It is important to me that when a client comes to me to learn how to reduce their household bills, they understand how much help they need. I don’t […]

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Your money relationship begins as a child, which is a sentiment I read about in Suzie Orman’s book ‘9 Steps to Financial Freedom’ and again in Phumelele Ndumo’s book ‘from Debt to Riches’. This is something I believe to be true; however, they are not always fixed. As a child, I learned that you don’t […]

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Credit ratings

Credit ratings Your credit ratings are based on how well you pay your debt! Paying your instalments on time, and in full, increases your credit rating. At the same time though, having no debt decreases your credit rating. So how do you maintain a good credit rating when you don’t want to have any debt? […]

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