Tag: money


If you are an adult, you handle and make decisions about money on a regular basis. You should therefore know and be comfortable with a few financial terms:

  1. Interest and Compound interest

Einstein once said “Those who understand interest earn it, those who don’t, pay it!” Interest is the        cost of using somebody else’s money. When you borrow money, you pay interest. When you lend          money,

Read More »


1. Know yourself

Knowing yourself can save you money! Yes it can. I see people breaking their bank just because they lack an understanding of their values and priorities. How you spend money is a reflection of what you value. I for one value experiences more than ‘things’,  don’t get me wrong, my dream is to drive a Bentley one day but for now, I have to choose my battles i.e.

Read More »

Link to purchase tickets: http://qkt.io/X26FYk

Get Your Finances Right is a 2 hour workshop that will focus on the following areas of your personal finances:

  1. Budgeting – Budgeting tools and techniques.
    2. Calculating your net worth – tips and tools of how to increase your net worth.
    3. Wealth creation – types of investments and the tax implications.
    4. How your employee benefits fit into the picture for wealth creation.

Read More »



I do both my own and family’s tax returns (yes, they trust me like that) and every year without fail, I get some money from good old SARS. I get so excited at the thought of getting money from SARS, I even plan what I am going to do with the money J !!!! I know you are guilty of it too!

In the 2015 tax season SARS paid out 1.82 million refunds to the value of R15 billion – perhaps you too were lucky enough and got a piece of the pie that year.

Read More »

Starting can be the hardest part about investing. With all the jargon and unlimited fund options available, it can be very intimidating. Let me help you demystify all of this for you.

Join me on Instagram Live -Thursday 8th June at 7pm. I will focus on the following:

  • Option between Unit Trusts, Exchange Traded Funds or Tax-Free Savings Accounts
  • Costs
  • Risk
  • What kind of investor are you
  • How to read a fund fact sheet

Bring as many questions as you would like!

Read More »

What is a unit trust?

  • A Unit trust is a type of investment that makes it easy and affordable for the “man on the street” to invest in the financial markets.
  • Your funds are pooled together with other investors’ money to invest in underlying asset classes by an investment company.
  • These assets classes include: Equity, Property, Bonds and Cash.  These assets classes can be South African or off-shore.

Read More »

I think it’s easier to waste money than to consciously be aware where our money is going. Being conscious of our money behaviours is much more difficult because it requires commitment and discipline. Below are 5 of the many ways people waste money without noticing:

1. Impulse purchases

Unless you are a 100% disciplined individual, we have all at one point or another been victim to our own impulses. Whether it is out of frustration,

Read More »

Every time you get a salary increase, whether through change of jobs, a promotion or through a performance appraisal, you have the opportunity to do something powerful with it. Instead of inflating your lifestyle to match your new income, here are a few ideas to move you closer to reaching financial independence:

  1. Use your increase to aggressively pay off debt

Debt is like having a rope tied around your ankle pulling a 20kg weight,

Read More »

Some couples find it extremely hard to talk about money. The topic of money merely starts and ends at who pays which bills around the house…and that’s it!

Money can be a sensitive topic if both of you have not made a habit of discussing your aspirations and goals when it comes to money from the early stages of your relationship.

You want to talk about money with your partner without the awkwardness but don’t know where to start?

Read More »

  1. Thinking you will only start saving when you have more money.

When I was in varsity, I had a part-time job that paid me peanuts (as most jobs do when you are in varsity!) but of that meagre amount, I decided I would put away R150 per month and I have continued with my little pot of savings even after university.

I know the situation is different for everyone but the point is,

Read More »