Tag Archives: budgeting

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Beyond Lockdown, level 4. Can we survive?

Lockdown continues As we head into the 6thweek of lockdown and move to level 4 it is time to think about what follows. https://www.news24.com/SouthAfrica/News/see-these-are-the-permissions-and-restrictions-for-level-4-lockdown-20200425 While we don’t know when lockdown will be lifted, life will definitely not be the same for a while. What happens after lockdown?  It is an unknown chapter in our lives […]

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6 key tactics for successful budgeting

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 […]

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How envelope budgeting can reduce your stress

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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Cash is King

‘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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Can you manage your money effectively?

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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There are no quick fixes

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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10 Things I have learned about Budgets and 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 […]

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The Truth about Pesach

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 […]

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Are specials really special?

You see specials listed somewhere and think wow I should go buy those. I used to have that mentality, especially before I started meal planning. It cost me a lot of money in wasted food. Is it available at that price elsewhere? I have found sometimes that a favourite supermarket chain marks something like a […]

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How to create a grocery budget

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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