There are only four things that can prevent you from achieving financial independence. Luckily they can all be overcome if you understand them, and they are all really easy to understand.
Four roads to discipline
Financial change happens one pay cheque at a time, but there are many things we can do between pay cheques to ensure we are better at our finances from one payday to the next. Consider this your how-to guide for financial discipline.
Am I ready to start investing?
Prepare the ground before you start to invest – a firm foundation can protect your investments and ease the anxiety of making investment decisions. This is too important to rush.
Getting through January
I’ve received some requests for tips on how to get through January, because it usually feels three months long. January 2021 will be much worse than any January we’ve had before. If your December salary is paid earlier than usual, move the money for January into another account.
Cash Club: 2020 – The upside
It's very hard to identify the positive aspects brought on by the pandemic, but here goes. Working from home is now the new normal for most people. As a software developer, this is my reality. In late 2018 I moved into a flat in Joburg to be closer to the office. Travelling to work had ...
Money Hack: COVID money reflections
Being productive means making the most of your time – you can spend less and increase your quality of life. Do the things that really matter.
Podcast: The car show
I had barely landed my first job when I bought a car. I had no deposit, no idea how interest worked and did whatever it took to get wheels. Thankfully my mother had recently bought a car exactly like mine. I assumed that I couldn’t afford anything bigger. In retrospect I probably could have gotten ...
Managing a salary cut
Help! My take home salary has just been cut by 10% - we have less money! This is not a completely terrible thing. Some of you may recall my dilemma a few columns back where I was pondering whether I should join our company pension scheme or purchase monthly EFTs. Well the discussion became moot ...
How much home maintenance?
Our house is the biggest investment we will ever own, so shouldn’t we look after it really well? I think so, but then you get the naysayers telling you not to over invest in your home. So how much home maintenance is the right amount? I want to get the right balance between caring for ...
Retirement blues again
By coincidence, it’s been one year since I wrote my last blog on retirement after having written my third Money Cents column on retirement as well. It seems that I panic around this time of year. Could it be that my birthday is soon and it reminds me that I am getting old? So yes, I ...