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...
Can you remember when you first really thought or heard about the subject of Retirement? Chances are, it was when you were in your 20s, maybe you were just offered your first part-time job and the subject of retirement was touted around amongst the permanent much-matured employees yet for you...
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 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...
"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...
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...
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...
Let us understand why we value things more than we value money: because we care more about what money can buy than we care about having money itself. Read that statement again! If we valued money more than we valued things we would not part with it so easily and...
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...
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...
In my life, I've found that inspiration comes in many guises. Sometimes I come upon them, but more often they found me. Here are ten things that have influenced who I am today. The Harry Potter books may seem like an unlikely source of inspiration for an adult. It's a...
Children live with curiosity because they are born that way, and unfortunately, parents cannot change it. They learn lots of things in life, are gifted naturally with intuition, and are open to everything they find. Everything seems to be interesting to them. That's why they want to know about many...
As with every generation, mothers and daughters share a special bond and a lifelong relationship that acts as a bridge or a deep connection towards each other. Though one is not quite a woman yet and the other, in many ways, is still no longer a girl, they each bear...
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...
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...
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...
Listen to those folks who lowered their mortgage by half by adding an extra $50 (R1000) a month to the mortgage payment. In fact, you can do it. Look on the web for a calculator for mortgage acceleration. A basic mortgage calculator is helpful in the first place. You can...
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....
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....
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...
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...
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...
"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...
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...
Debt Consolidation may be a solution to a short-term problem, however, make sure that you do thorough research before plunging yourself into a serious hole that you would not be able to get out of it. Poor credit rating is the cause If you have poor credit and are looking...
5 Good financial habits to improve your financial vocabulary Read Rich Dad Poor Dad by Robert Kiyosaki and The Richest Man in Babylon by George S. ClasonGet rid of all BAD debt, instead learn how to leverage good debt to your advantageLearn how to invest your money (let money work...
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...
“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...
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...
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...
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 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...
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...
"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...
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...
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...
“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...
“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...
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....