Author: Mapalo Makhu

I want to help women make confident financial decisions and build real wealth.

That time of the year again; the tax season is officially in full swing. For those who don’t know exactly when it runs, this year it started from 1 July and will end 31 October 2018.

For many, filing taxes creates a lot of anxiety and most people leave it to the very last day…I have been here myself! But I believe in facing things head on, whether you do get a refund or you end up owing SARS,

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In the investment world, there are some things that hold truth whether you are a new investor or a seasoned investor. Here are 5 Keys to successful investing across the different asset classes (i.e. Equity, Cash, Property, Bonds)

1.  Have a financial road-map/goal

The first key to successful investing is to have a clear financial goal. Ask yourself WHY are you investing? This will inform how long you want to invest and it will dictate the risk you can afford to take. 

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Hi Tribe,

Today I want to talk a little bit about marriage and your finances. This topic is inspired by the fact that 3 of my friends will soon be walking down the aisle…exciting!!! While a lot of detail goes into the actual day of the wedding, little to no attention is paid on how the couple will handle their finances once they are married.

From parents to friends, little is spoken about personal finances in a marriage.

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Happy Tuesday Tribe,

This blog post is almost two months overdue! My intention is to write a blog reflecting on every quarter of the year. For me it is important to reflect because how else do you know if you are still heading in the right direction, whether it be in your career, finances or relationships etc?  We all need to reflect from time to time, it allows us to evaluate what is working and what isn’t.

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I am always trying to find ways to stick to my budget and if you have read some of my previous posts, you will know by now my downfalls are eating out at beautiful restaurants and shoes! After having reviewed our household budget, I realised that we spend A LOT of money on eating out, which we have since got under control (not easy at first but got it done eventually!)

How I did this was through the ‘envelop system’.

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In my podcasts, I normally ask the person I am interviewing this question: “growing up, what did you hear about money”? I ask this question because for most people, what they hear about money has direct impact on how they handle their own finances into adulthood.

As children, our parents are our biggest influences, whether they are conscious of this or not, children pick up and to some extend internalise this messages.

So,

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The year is well under way, the first quarter of the year is done and dusted just like that!!! I hope you have achieved most of your goals for the first quarter. Keep focused and you will reach your money goals…and as a money savvy woman, these are some of the habits I know you have adopted 🙂

 

1. She Budgets 3-6 months in advance.

Yes,

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An easy to read infographic on How to manage money together as a couple.

We all know that talking about money can be a challenging topic, especially if you yourself do not have a good relationship with it. So how do you begin to start managing money as a couple?

As the saying goes

“Teamwork makes the dream work.”  –Bang Gae

Below are a few tips.

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“Let us never negotiate out of fear but let us never fear to negotiate.” -John F. Kennedy

 

So let’s say you are accepting a new job or a promotion, your first instinct is to focus on the salary only right? It is a mistake many people make, especially women since they hardly negotiate their salaries. While yes, the goal is to increase your take home, there are other benefits you can negotiate with your employer that will in the long run leave you richer.

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