Category: Money

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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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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“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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1. Request a free credit report

If you ever need to access credit, hopefully for good debt, i.e. to buy Property, a student loan or to fund your growing business, lenders look to your credit score. You should know what they will see even before they do. It is easy and quick, you can request it online and receive it within minutes.

www.creditunion.co.za
www.transunion.co.za
www.creditreport.co.za

…are just some of the few that offer free credit reports

2.

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4 Ways to be more frugal and still feel like you are living your #bestlife

 

  1. Automate your savings and investment

The rich invest their money and spend what’s left. Think like the rich–invest your money first, then spend what’s left.”- Jim Rohn

This speaks to the philosophy of paying yourself first. It’s easier to say you will pay your bills first then, save/invest what is left.

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There has been much talk around black tax and the negative effects it can have on one’s financial journey. Most people not only feel obliged but are also expected to help out parents, siblings or cousins. Although not an easy topic to write about since everyone’s situation is completely different, here are a few tips on how you can still work towards financial freedom while helping family out.

  1. Communicate

Communication is so important in any relationship,

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Tribe, my hope for you this year is to be courageous in the decisions and actions you take in your finances to build real wealth. I always talk about real wealth, but what is it really? It can mean different things for different people, but since this is a blog about money… it is:

  • The ability to take care of your needs and family’s needs without being worried when the next paycheck is coming.

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