Debt consolidation use it at your own risk

Debt Consolidation Loans: A Last Resort

No one ever wants to be in a debt trap forever, but it happens, and at that point, when there are no other options left, debt consolidation seems to be the answer—or not? It can help you regain control over your finances temporarily and stop letting that debt destroy the...

Credit card

8 Things Every Credit Card Owner Should Know

We all agreed that credit cards make purchases and paying your bills easier. Using a credit card is also a good way to boost your credit score. However, failing to properly manage your credit cards can lead to a lot of unnecessary expenses, negative listings, headaches, and stress. If you're...

Excessive debt

Top 7 Causes of Excessive Personal Debt

Excessive debt is the most common source of concern for most people, particularly Baby Boomers, who are trapped in millions of Rands (dollars) of debt and unable to escape, forcing them to work in their later years when they should be retiring or nearing retirement. This also affects young professionals...

fatten thy lean purse

7 Simple Rules to Fatten a Lean purse!

"The Richest Man in Babylon" written by George S. Clason is a quick-read thin timeless classic book that has been acclaimed as the greatest of all inspirational works on the subject of financial prudence, financial planning, and generating personal wealth. It was written back in the 1920s however the same...

Top 30 list of life and money quotes

Top 30 Life and money quotes that will improve and elevate your Money Mindset

In life, you attract or bring about in your life those things that are related to what you send out to the universe in the form of your thoughts. Your innermost dominant thought becomes your physical tangible reality, literally. It is advisable and wise that you continuously examine your thought...

debt free lift off

Sindi’s Success Story: How She became debt-free

One young woman who was drowning and floundering in debt was able to lift herself out of the financial doldrums, by taking steps to remedy her situation, and by making changes to her bad money management habits. She made some smart financial moves, and now her future looks brighter and...

marital money issues

20 Tips for Solving Marital Money Issues

Marriage is one of the most sanctified unions on earth and unfortunately, not well practiced and understood by some men and women, especially the duties and roles they are supposed to play in this union as equal partners. Whether you and your spouse both work outside of the home, or...

handling unsetting difficult conversations

A Step-By-Step Checklist for Handling Difficult Conversations

Have you been putting off a difficult and unpleasant conversation for a long time? Great, this is for you. There are moments in life when you have to face your "demons" and it is not a pleasant space to be when you know you should talk to someone but won't...

working together as a team

The essential guide to Starting Young: Teaching Teens how to Manage Money

In African culture, we say "Ligotshwa lisemanzi," which basically translates as "you teach(start) them young,"  since it is difficult to alter an adult's mind after it has been formed, made up, and developed. This is true in all aspects of life. "You can be young without money, but you can't...

Top 10 Quirky American Driving Laws

Driving is universal, yet every country has its own amusing, perplexing, strange, and quirky driving laws, and America is no exception. Below, please indulge yourself in eyebrow-raising and, in some cases, chuckling a little. Enjoy and have fun. 1. Studying for a driving written exam isn't fun. Here are some...

How to find the Best Mortgage Deal Ever?

A casual examination of websites and brochures will reveal countless various sorts of best mortgage deals ever in town. The mortgages discussed thus far are a basic overview; however, in your research, you'll discover a variety, some combining multiple qualities and offering additional incentives to entice you. It's enough to...

Book, pen and interest rate calculator

Understand how Mortgage Interest rates work and affect your mortgage

You are now sitting across from a professional loan officer in a meeting at a lending institution who is now evaluating your mortgage application and must explain to you how that mortgage interest rate was first calculated and finally arrived at. Many things affect mortgage rates—which is why they fluctuate....

Investing In Propertyerties Made Easy to understand mortgage terminology

Mortgage Terminology That Everyone Should Know

Purchasing a home is a smart investment move, and you have to be matured, vigilant, and sober up on your first attempt! However, if you're purchasing a home for the first time, it may be difficult to understand and get your mind wrapped around all these property or mortgage terminologies....

fresh flowers in nature

How to create truly practical abundance in your life?

Learning to create truly perfect practical abundance in your life entails much more than simply accumulating financial wealth or material wealth; it entails harnessing and enriching the self as a whole. Abundance is for everyone, not just the limited few that life appears to smile upon and who appear to...

Do it yourself

Your Life Is A Do-It-Yourself(DIY) Life Long Project

We all must understand that Life is a life-long classroom lesson(project) that is always teaching us, Buddhist Proverb says it best "You have no friends, You have no enemies, you only have TEACHERS". The sooner you realize this, the better! As you mature and get a handle on what life...

Rose with all the thorns growing taller

Self- Acceptance is self-love and respect for oneself

I had a deep conversation with a colleague the other day, when exactly does one start to yearn for acceptance? Is it by birth when we first arrive here on Mother Earth? Is it when we first feel the pain of non-acceptance? Is it when we begin to be challenged...

written goals

6 Easy to understand Principles of Goal Setting

"If you go to work on your goals, your goals will go to work on you; if you go to work on your plan, your plan will go to work on you. Whatever good things we build end up building us" Jim Rohn once said, and then Charles M. Marcus...

be extra vigilant with your identity

How To Protect Your Identity-Simply, Easily, and Cheaply

When learning how to protect your identity, one of the first things you should do is to stop carrying your (identity book or card) social security card with you at all times. An identity card (book) or social security card is the single most stressful and dangerous form of ID...

getting back up after a storm

How to remain resilient with little?

This article appeared in "Make it great again" magazine by Founder and NLP Life Coaching Practitioner Tabea Nong which was published in October 2020 1. Tell us about yourself and what you do. I am Zinzi Mdedetyana, a mother of two(son and daughter), and I have written a book called "Myths...

No nonsense way to Budgeting: The Roadmap to Financial Well-Being

“A budget is telling your money where to go instead of wondering where it went." - John C. Maxwell. He is a phenomenal leadership guru who could not have said it better. The budget never leaves you wondering what happened or trying to figure out what happened. However, this road...

what is loan to value

Debt Ratio: How Much Debt Are You Carrying?

Today I need to walk you through, understanding the Debt to income ratio so you see how significant the debt load you are carrying is. I will likewise show you how to calculate it. These are the basic indicators that the credit providers' lenders additionally take a look at before...

stock percentage board

Compound Interest: Step-by-Step Guide to Profit Growth on Your Investment

I'll walk you through the step-by-step process of growth earnings from your investment and how you may use these ideas and techniques to your benefit to enhance your wealth. I will also share with you the finest performing unit trust investment companies at the end of this blog as examples...

parents hands cradling baby feet

Saving and Investing: Secure Your Goals, Dreams and Future

Saving and investing play an important role in securing your goals, your dreams, and your future. Why do we need to save then? So we’re saying when you’re daydreaming or imagining your future, do bear in mind that those dreams and goals require money; so the question is, how will...

Credit report agencies, credit score, credit rating

Protect Your Credit Score (With Your Life)

Credit Report will be our today's discussion and will address the role, duties, and responsibilities of the Credit Report Agency, what your credit report (profile) means, how to obtain the information, how you keep it clean and avoid negative listings; and understanding and guarding your personal credit score that affects...

man raised arms on mountaintop

The “Get Out of Debt Permanently” Plan

Get out of debt quickly and permanently (for all time). Others call it "lose your debt obligation", "dump the loan obligation load", some call it "management of debt obligation", and others call it "to dispose of the obligation". These terms mean something very similar and you need to get the...

How To Manage Student Loan Debt

What is Debt and How Much It Costs You

"Your giant, your obstacle, your problem is a gateway to your significance and promotion"Rick Godwin There are two kinds of people, those who earn interest and others who pay it, unfortunately those who pay it, do not understand the value of it, because they are ignorant"Albert Einstein My description of...

Needs vs Wants

The most controversial topic of all time, as I observe and experience how consumers justify prioritizing wants over basic needs, so we will explore these two variable concepts that I can vouch for, almost, always, get consumers into serious financial trouble. “Bare necessities of life, the simple bare necessities, forget...

Measuring Self Worth and Net Worth – What Matters Most?

Let us just agree that money is just a form of exchange to participate in the money game to be comfortable and lessen the financial burden (stress) that comes with the territory. However we must define for ourselves what exactly is true financial well-being and freedom, is it measured by...

Your participation in your own country's economic world

Your Economic participation in the Financial World of your country

“Life begins when you get out of the grandstand into the game - be a player. Life is not a spectator sports - get into the game, love the game, get dirty, make mistakes, take knocks, train hard, play hard, make your mind strong, make it better.”Anonymous We are meant...

bronze padlock

How Past Strongholds Can Hold You Back

“Being open and honest with ourselves, is the first step to receiving and accepting our own truth.You can start today. It is a choice and not a feeling. With time your new narrative (rewriting your script in your mind) will change and it will not be overnight, like a new...

two men on bike on mountan road

Your Emotional Relationship with Money

If you want to change the direction of your life then Today is the day that I would like to take you on an emotional relationship roller coaster ride with money, from where it all started (beaten old past pattern) and how it reared its ugly ears over the years....