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 […]

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 […]

How do you stick to your budget and get rid of debt?  In South Africa we do not have coupons to help nor do we have negotiable interest rates on credit card debt. So what can you do? Home loans and vehicle finance can apparently be negotiated to a certain extent.  The rate would depend […]

I learned these 4 things when I didn’t do online shopping. Due to technical issues, I have had to post this blog unedited. Please forgive the grammatical errors. On a Facebook group I belong to, the topic of budgets came up and we started talking about the cost of groceries.  I have already worked out my […]

What is envelope budgeting? It is basically dividing your money into different envelopes marked with different categories. When you receive your salary/wages, pay your regular bills online. For example: Rent/bond; Water & Lights; Rates & Taxes; DSTV; Medical aid; Insurance; school fees/ child care if it is over R1000; etc. Then take what is left over and […]

Are you going out tonight? On a Wednesday night I teach a jewellery making class.  We started talking about this new blog and how it was about – among other things – saving money.  One of my students mentioned something I have never heard about. It is called The Entertainment Book. This is apparently something […]