- 18
- Nov
- 2019
- Posted byAdrienne
- inBudgeting, Budgeting in South Africa, cleaning schedule, household management, housekeeping, Sorting and Cleaning

Cleaning your bathroom is something that happens every day but is it really getting clean? And what about the cleaning soaps we use, are those that get the stains out, that good? House Cleaning Check list What did they use before the ducks and the gels? How did you get a bathroom really clean? Do you […]
Continue Reading...- 30
- Oct
- 2019
- Posted byAdrienne
- inBudgeting, Budgeting in South Africa, Daily budgeting for South Africans, Finance, food, grocery shopping, household management, monthly shopping, saving money, South African, specials

Thank you, Checkers, for the Xtra Savings! On the 14th October, 2019 Checkers introduced their loyalty card, the Xtra Savings card, and within the first week they had signed up a million people! I am one of them. The opening savings are, I hope, an indication of the future because those prices were amazing. Unfortunately, […]
Continue Reading...- 18
- Oct
- 2019
- Posted byAdrienne
- inBudgeting, Budgeting in South Africa, Daily budgeting for South Africans, Debt, Finance, grocery shopping, household management, personal finance, saving money, South African

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 […]
Continue Reading...- 11
- Oct
- 2019
- Posted byAdrienne
- inBudgeting, Budgeting in South Africa, Daily budgeting for South Africans, Debt, Finance, household management, personal finance, South African

‘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 […]
Continue Reading...- 04
- Oct
- 2019
- Posted byAdrienne
- inBudgeting, Budgeting in South Africa, Daily budgeting for South Africans, household management, Managing your household, Personal safety, saving money, South African

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 […]
Continue Reading...- 27
- Sep
- 2019
- Posted byAdrienne
- inBudgeting, Budgeting in South Africa, Daily budgeting for South Africans, Debt, personal finance, saving money, South African

No matter the size of the win, lotto winners who wish to keep their money, need to budget. There are more lotto winners who have lost it all than those that have kept it. I am not talking about the smaller winners but the ones who win big. There is obviously an urge to spend […]
Continue Reading...- 20
- Sep
- 2019
- Posted byAdrienne
- inBudgeting, Budgeting in South Africa, Daily budgeting for South Africans, Debt, household management, personal finance, saving money, South African

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 […]
Continue Reading...- 13
- Sep
- 2019
- Posted byAdrienne
- inBudgeting, Budgeting in South Africa, Daily budgeting for South Africans, Debt, Finance, personal finance, South African

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 […]
Continue Reading...- 06
- Sep
- 2019
- Posted byAdrienne
- inhousehold management, Budgeting, Daily budgeting for South Africans, Debt, Managing your household, personal finance, saving money, South African, Uncategorized

‘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 […]
Continue Reading...- 30
- Aug
- 2019
- Posted byAdrienne
- inBudgeting, Daily budgeting for South Africans, Debt, household management, personal finance, saving money, South African, Uncategorized

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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