Category Archives: South African

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Debt counselling, debt mediation and debt consolidation; these are words bandied about every day. Do you know what they mean? In Phumelele Ndumo’s book ‘Debt to Riches – steps to financial success’ she covers these topics in detail and in a way that is easily understood and, in my opinion, one of the first books […]

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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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budget with the piggy bankPhoto by Sabine Peters on Unsplash

Budgets and debt go hand in hand. Being in debt usually starts with you not having a budget. By the time you start thinking about a budget, your debt is often already well established. Over the years I have become an expert on being in debt and trying to create budgets!  And in some months […]

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South Africa doesn’t coupon! We are far too advanced for that! We use apps! Most South Africans haven’t got time to sit and cut out coupons. I have to admit I do prefer the apps as we already have too much litter on the streets. Couponing helps you get your home sorted by making sure […]

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Braai heritage, what’s that? What happened to heritage day? How did it become known as National Braai day? Is this our heritage. Ask any South African to describe a braai and you will get many different explanations because a braai is not a barbecue! There is no recorded reason why Heritage day has become National […]

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My Little Garden

Checkers get you to spend in a good way! Now this is a campaign I can truly say, go spend your money there! Once this campaign is over you will continue to save as the seeds continue to propagate. Growing for the future Checkers introduces the “little garden”, gone are those plastic groceries. Here is […]

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Listeria hysteria, is it valid? Listeria or Listeriosis whatever you call it has been around for years. Is the hysteria over the listeria outbreak warranted? In my opinion it is too little too late. The outbreak was bound to happen, and here’s why. Food safety in South Africa South Africa does not have a central authority […]

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Dear family, friends, newsletter subscribers, Facebook friends and acquaintances and most especially, followers. Some exciting news…. I now only work part time and am focusing on building my side business into a full time business. For those who have been following me, you will know that 2 years ago I started a meal planning business […]

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