Budget Sense

Salary increases are indeed a blessing that I never take for granted, especially in today’s uncertain economic times where job security is a luxury. Receiving a salary increase feels like a bonus, and even though there’s no assurance of it, I’ve already planned how to utilize any potential increase. Firstly, I won’t be frivolously spending […]

We’ve all encountered the idea of sleeping on a decision before making a purchase or committing to a significant financial investment. Many of us have found ourselves caught in the ‘buyer’s remorse’ conundrum, regretting a decision shortly after making a purchase. But how about going out of your way to find a reason not to […]

Transforming my life, one step at a time – my decision to create a home gym has been a financial and time-saving revelation. Beyond the obvious benefits of cost-cutting and time efficiency, the home gym has become my sanctuary, offering health and fitness on demand. No more excuses, just a few steps away from stress relief or a quick workout. While not perfect, it does the job for my needs, making it a convenient and indispensable addition to my routine

When life throws you a fast curveball, having a strong “why” will help you stay focused and resilient, enabling you to adapt and keep moving forward with determination and purpose.

Your life or someone’s life may just be one advise or lesson away from being completely different. When it comes to financial management and freedom, never shy away from advising others, or accepting advise from someone else, as obvious as the advise may be

How do you talk a baby? You talk nicely and gently but also make sure your language is clear and repeated at times. That is how money works. We need to be careful with our language and approach it so we can establish a pattern and a relationship with money. In the long term, this […]

the fascinating link between personal development and wealth building goes beyond mere coincidence; it’s a well-documented connection backed by research and a myriad of studies. At its core, it all begins with the right mindset—a mindset shift that accompanies personal development

navigating financial differences is a common challenge in relationships, and addressing them is vital for long-term success. Regular communication, compromise, and a unified financial plan are key elements in ensuring a harmonious financial partnership. Couples must proactively discuss and resolve any issues, as financial conflicts can pose a significant threat to the fabric of a relationship

In our household, we proudly own two cars. The first, a 2008 model, has clocked in at a whopping 250,000+ KMs. The second, a 2012 model, boasts an impressive total mileage of over 327,000 KMs. Now, if you’re struggling to wrap your head around just how substantial those mileage numbers are, let’s dive into the […]

Deciding whether to reinvest your dividend returns or spend them entirely depends on various factors such as your age, lifestyle, and financial goals. On one hand, reinvesting dividends can be a prudent choice, especially for those looking to build wealth steadily over time. On the other hand, spending all dividend returns may be suitable for individuals who have already attained financial independence or have specific yearly return objectives in mind