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 […]

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 […]

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 […]

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 […]

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 […]

While researching the budget section of my blog, I came across the R1 family, a social experiment together with Sanlam. When I spoke to my mom and editor, she remembered that in 2014 Sanlam ran the R1 man experiment for the first time.   I watched the R1 man (name unknown) and the R1 family […]