Tag Archives: Budgeting for South Africans

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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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Money management

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. […]

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Online shopping

Here are 10 reasons to grocery shop on line. In June 2015 I started this blog and in the first article I spoke about how much I saved with online shopping.  Nearly 2 years later, I can still say it is worth the hassle. Yes it was a huge learning curve on how to do […]

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Post Image

Due to the Jewish holidays I haven’t been posting as I would like I and where we should be moving on to week 6, we are only covering week 4. Last post in the financial freedom series covered facing your money fears.  This week we look at being honest about your money. You have analysed […]

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In part 3 of this Road to Financial Freedom series, we will look at facing your money fears and changing them to positive statements. The truth is that we do need money to survive but we don’t need it to live. We spend our money on fixing things that are broken but we don’t fix […]

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