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 […]

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 […]

‘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 […]

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 […]

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? […]

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 […]

Fearless or Fearful? 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 […]

The truth about Pesach is that most of us overdo the food. I am sharing my thoughts on what we do to ourselves when preparing for Pesach.  The story Pesach is a time of sadness for the Jewish people, we were slaves in Egypt. Pesach is also a time of great joy.  We became a […]

Pesach happens every year and yet; how the speed at which it arrives has so many of us running in panic. Last year, for me for the first time, there was no panic and, as expensive as Pesach is, the cost was spread out over 3 months. The reason for this is the ingenuity of […]

Pesach, a word that often brings tears to Jewish households everywhere. Not only tears for the story of Pesach but also tears at the thought of all that needs to be done. I know we are still two months away but Pesach is an expensive endeavour to do properly and for those starting out it […]