Dealing with over-indebtedness Debt can create a snowball effect that generates even more debt. When debt repayment pressure becomes too much to handle and you cannot meet all your monthly obligations, you are officially classified as “over-indebted.” Let us take an example: Say you earn R20,000 per month, but your expenses and debt repayments add […]
Financial literacy basically refers to your ability to learn, understand, and apply various financial tools, skills, and decision-making processes in order to make financially wise and quality decisions. You were not born financially smart or dumb; your financial knowledge or ignorance developed over a period of time. So it effectively means that it is a […]
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 the qualities of the other. […]
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 be highly favored. It is […]
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 in a class by both […]
Tho whole idea is to write your thoughts down so as to review your thought patterns, goals and reach your desires(end in mind) […]