About

Brendan Dale profile picHi and thanks for checking out my personal finance blog! And while you’re here why not have a look at my very first post about why I started.

My name is Brendan and I’m a software developer working a regular 9 – 5 job. I’m 40-something years old, married and living in Cape Town (South Africa).

I often wish that I didn’t need to “slave away” at my job as there is so much that I would love to be doing! Life is short and I want to make the best of it and hence I am however forever working towards a goal of financial freedom and the idea for this blog is to create a collection of thoughts, ideas, tools, useful videos etc that are helpful to me, and hopefully to you too!

Be in control of your finances

People have often told me “you’re good with money” and that’s really just because I refuse to be drawn into the consumerism and debt cycle. There’s no magic trick, just some common sense and looking at situations and and decisions in a logical and non-emotional way.

If you feel that your money is out of control and that you have no idea how to fix things then follow me on Twitter or Facebook and join the conversations.

A great resource of personal finance info in South Africa.

If you want to find out more about my personal journey to financial freedom, have a look at this Q&A session I had with 10x Investments.

I blog about common sense personal finance for everyday folk who want to take charge of their money and start fixing the mess they’re in. 

See some of the feedback I’ve received

Hi there! I just binge read about 3 hours worth of your blogs! Love it! Good luck on your journey (I share the same hobby and passion regarding personal finance as you do and am on a similar financial path). Also Capetonian so your blog resonates with me. All the best! – Craig

Hi Brendan, its always good to read your blogs… makes me look at my debt in a different way. We bought a house 18 months ago and with the child on the way we looking at downsizing our cars to a cheaper paid off car to make money available for nappies and things. We really looking at our expenses and seeing what we can juggle to get everything we want but also keep the house. Ultimately we like our house and willing to do anything to keep it. There is no real right and wrong, just what are we willing to put up with…
Thanks for keeping our heads in the anti-debt game – Nic

I’ve been following your work for some time now and thanks for the great advice and posts you share. I’ve learnt a lot and I continue to learn, therefore have improved my financial literacy and life. – Tebogo

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And you’re still reading?

Fantastic! And now if you want to hear my voice you can listen to the podcasts from my Cape Talk Radio interviews which happen every Saturday morning. Most of the links below also include the recoding from the show but there have been occasional interviews where either the presenter or I waffle a bit off topic and I’ve deiced to exclude the recordings. LOL

Create a buffer in your budget Live on Cape Talk Radio on 19 January 2019

Talking about the 52 Week Savings Challenge on RiseFM on 14 January 2019 (no podcast available)

A quick chat about whether it’s better to save money or pay debt (related this post on Save Money or Pay Debt) – Live on Cape Talk Radio on 12 January 2019

Talking about spending habits and how small expenses can all add up – Live on Cape Talk Radio on 5 January

How to avoid the traps of Debt-cember Live on Cape Talk Radio on 8 December 2018

4 Mistakes to avoid when you’re involved in a car accident Live on Cape Talk Radio on 1 December 2018

The post Black-Friday blues (related to the post Tips to avoid Black FridayLive on Cape Talk Radio on 24 November 2018

Talking about buying & selling property privately Live on Cape Talk Radio on 17 November 2018

Retirement planning in uncertain times Live on Cape Talk Radio on 3 November 2018

The true cost of your home loan initiation fee Live on Cape Talk Radio on 27 October 2018

Cash flow matters! (Part 1) Live on Cape Talk Radio on 20 October 2018

Start planning for Christmas now! Live on Cape Talk Radio on 13 October 2018

Budgeting weaknesses & challenges Live on Cape Talk Radio on 6 October 2018

Questions from listeners (buying a house on a personal loan & how often to upgrade your car) Live on Cape Talk Radio on 29 September 2018

Why buy property in a Trust? Live on Cape Talk Radio on 22 September 2018

Help! Where’s my money gone? Live on Cape Talk Radio on 15 September 2018

Surviving the ever increasing petrol price Live on Cape Talk Radio on 8 September 2018

How we’re taught that we need debt Live on Cape Talk Radio on 1 September 2018

Finding the best pet insurance in South Africa Live on Cape Talk Radio on 25 Aug 2018

The pros & cons of Credit Cards Live on Cape Talk Radio on 18 August 2018

5 Habits to improve your financial health Live on Cape Talk Radio 11 August 2018

Who needs life insurance? Live on Cape Talk Radio 4 August 2018

My partner won’t budget Aired on Cape Talk Radio 28 July 2018

Make this a Savings Month for you! Aired on Cape Talk Radio 21 July 2018

That's me published in People Magazine

Yip – that’s me with my copy of People Magazine (8 Oct 2018 – my birthday!) featuring my article on 10 warning signs that you’re misusing your credit card! Quite exciting to be published!

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