New Year, New Me 2019

It’s 2019 and the first week of the year is already over…

Most of us are only just starting to get back into the swing of things after the Christmas break and reality is starting to knock on our doors.

For most of us, you’ll be returning to a cozy job that’s been waiting for you, but for a lot of us it’s the start of a whole lot of stress. Where is the next paycheck coming from? Where to start in this new year? Believe it or not there is power in positive thinking and positive affirmations.

A positive attitude will attract other positive possibilities. Just because the first week was quiet doesn’t mean that that will be the trend for the year.

What you focus on is what you’ll attract to you. Don’t let other’s negativity get to you. Believe in yourself and confirm your positive affirmations and financial needs every single morning and it will find its way to you.

To a positive and successful 2019, it will be a fantastic financial year!

There’s Nothing Wrong With Being Frugal

Don’t let the media dictate what you need, decide for yourself!

Be Money-wise This Festive Season

The end of the year is quickly approaching and most of us are getting ready to take some time off to relax, see loved ones and celebrate Christmas, but how does one go about doing all of that without breaking the bank? It’s easy, just be money-wise!

So what does that mean? It simply means that you should be wise about the money that’s leaving your account over the holidays. Plan a budget! This is the number one hated thing to do on holiday, especially because you feel like you want to seize the day, take it as it comes and you don’t want to think too hard. After all, you do this all year long, but planning a holiday budget is so vital.

Plan your trip ahead of time, that way you’ll work out the cash flow one time and you won’t have to stress about it again during the holiday. Plan out your petrol costs, toll gate tariffs, food allowance, spending money, Christmas shopping etc on a spreadsheet.

Once you’ve allocated your holiday budget, you’ll know exactly what’s available to spend on what, and you won’t feel guilty doing it. Best of all, you won’t OVER-spend.

Next see if you can cut down on some costs. If you’re planning a holiday with friends or family, put together a “kietie” for everyone. Plan the entire groups basic meals for the week and put your money together to buy everything from one account. This way you’ll save on smaller items that everyone uses like milk, bread, coffee and cereals and no one can point fingers to one another as to who’s contributing what. Do the same for accommodation, lights & water usage or whatever expenses you’ll incur as a group. Buying “bulk” is always cheaper than buying smaller bits of the same thing.

Lastly cut down on excessive and elaborate gift giving. This seems harsh, but chances are that whatever you’re buying for one another will most likely end up in a closet somewhere to be used or worn a couple of times. Give small, thoughtful or useful gifts just as a gesture that won’t break the bank.

Follow these steps and plan ahead and you won’t be left with the anxiety over “Januworry”!

Of course you can say “screw it, we’ll worry about it later” and have the best holiday of your life, but that’s a toxic mentality that will find its way back to you over-and-over again. Be wise, be a smart planner!

Watch Less – Learn More

Spending less time in front of the TV opens up more time, more opportunity and makes you less lazy… Don’t be #FakeRich

The Problem With Money

The biggest problem surrounding money is the lack of knowledge on how to spend and save it!

This is a topic that lies very close to home as it is such valuable knowledge that can literally save you years of heartache, stress and grief.

Schools force learners to take a subject called Life Orientation for their entire school career and insist on teaching pupils skills they’ll never use. Why are we not taking the valuable time we are forcing students to sit down and listen, to teach actual life skills!

Why aren’t we teaching tax in schools? Why aren’t we teaching budgeting, wealth creation and smart financial decision making in schools? We live in a poverty stricken first world country and no one is standing up and helping to grow a new, educated, money savvy generation.

Wealth is a success vehicle that can and should be created as soon as possible. There is no such thing as “later” or “I’m too young”. Parents don’t talk to their children about money and because of that kids grow up to be adults who don’t know what a good salary is, don’t know how to prepare for inflation and don’t have enough to ever retire. The uneducated poverty stricken cycle thus continues.

Let’s make a change! Let’s talk about money, because if you don’t, the next generation won’t either.