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Take charge of your money

Take charge of your money

Budgeting, Saving, Investing, Money Tips

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Category: Budgeting

Budgeting shouldn’t be a scary thing that stops you from enjoying life. Rather think of a budget as a process in which to look at your finances holistically and then make some smart choices with your money.

This is a collection of posts on budgeting which include some personal experiences as well as tips and tricks.

Learn to easily create and manage your budget. It’s really not that hard.

Have you looked at the Budgeting 101 course?

This course includes 3 videos showing how different people manage their budgets and includes a workbook to help you in the process.

Some people think that budgets are only applicable to people who have lots of money. I don’t know where that idea comes from as it’s so far form the truth!

A budget or spending plan is for everyone! Whether you’re a student, living at home, employed, married or single. It doesn’t matter, if you have some money (however much) then you should have a plan!

Remember that no-one cares about what happens to your money as much as you do! If you don’t look after it, no-one else will.

Envelope system for budgeting

The envelope system for budgeting

by Brendan13 October 202114 February 2022Leave a comment

Have you ever tried the envelope system for budgeting? It's such an easy and common-sense way of managing money that you can't really go wrong. In fact, my Mom still uses the envelope system. After so many years and so…

Read More The envelope system for budgeting

Budgeting cash
What is a buffer fund

What is a buffer fund?

by Brendan25 May 202124 November 20228 Comments

There are many Personal Finance terms and this is not really one of them. In fact, I think maybe it's just me who uses this. LOL. Or maybe others call it by different names. But let's take a look at…

Read More What is a buffer fund?

Budgeting emergency fund
Monthly food budget

How to manage your monthly food budget

by Brendan17 April 202124 November 2022Leave a comment

I really noticed a huge increase in my monthly food budget at the start of lockdown. My partner and I were suddenly spending lots of time at home and not only eating in more often, but with more time to…

Read More How to manage your monthly food budget

Budgeting shop
2021 budget speech

Highlights from the 2021 budget speech

by Brendan25 February 20211 March 2021Leave a comment

As always, there was much hype and anticipation ahead of Finance Minister Tito Mboweni’s 2021 budget speech. The economic crisis, COVID, rampant corruption, and failing state owned enterprises. What would he do? Where will the money come from? More tax?…

Read More Highlights from the 2021 budget speech

Budgeting budget speech, tax
Is 22seven safe to use

Is 22seven safe to use?

by Brendan6 February 202116 September 2021Leave a comment

As you know, I really advocate to track your expenses! How else do you know where your money is going and how much you have left? 22seven (not twenty two seven lol) is a great budgeting app that will link…

Read More Is 22seven safe to use?

Budgeting app, security
How to make a personal budget

How to make a personal budget

by Brendan11 October 20208 March 2022Leave a comment

This post is all about how to make a personal budget. It's not the most exciting topic but I would like to encourage you to stick around because (and this is the most important part of this article), if you don’t…

Read More How to make a personal budget

Budgeting expenses, keep track, spending plan
Track your money

Track your money, or lose it

by Brendan7 March 202014 April 2020Leave a comment

Irrespective of your financial situation, how you manage and track your money is a whole different story; one which can have a huge effect on your finances

Budgeting Habits, track
Managing finances as a couple

Manage finances as a couple

by Brendan13 February 202011 February 2020Leave a comment

It can be tricky to manage finances as a couple. Check out this interview with Kaelo about he and his new wife manage their finances together. Great tips!

Budgeting, Financial Habits couple, debt free
Spend less than you earn

Spend less than you earn

by Brendan2 February 20203 October 2020Leave a comment

The ‘not-very-secret’ mathematical formula for creating wealth and achieving the future you’re hoping for is not a complicated one; spend less than you earn

Budgeting, Financial Habits spending plan, track
Budgeting in South Africa

Why people hate budgeting in South Africa

by Brendan23 December 201821 June 20214 Comments

I've been thinking about the new year and what it will bring and as I speak to people I realise that budgeting in South Africa is something that everyone knows that they should do, but they don't. It's one of…

Read More Why people hate budgeting in South Africa

Budgeting app, empower, excel, mindset
Avoid Dezemba debt

Avoid the Dezemba debt traps

by Brendan4 December 20181 April 2021Leave a comment

It's the festive season and a time to be jolly. Some people however take it a little far and the money certainly flows. Instead of racking up the bills this December, read on to see how to avoid the Dezemba…

Read More Avoid the Dezemba debt traps

Budgeting, Financial Habits Christmas, debt free, December, spending plan
Using YNAB in South Africa

Using YNAB in South Africa

by Brendan17 November 20181 February 20214 Comments

As I often mention in my posts, it's really important to budget and to track your expenses. In fact it's vital to good financial health! YNAB is a great tool which you can use in South Africa. There are numerous…

Read More Using YNAB in South Africa

Budgeting, Financial Habits app, track, YNAB

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This is the money blog you never knew you needed.

Taking charge of your money has nothing to do with how much money you have, but rather how and where you spend it. Are you in charge or is you partner, spouse or habits in charge? Do you feel like money simply flows out of your account, or are you in control of what is spent, and where?

Budget, save, invest and make wise money decisions!

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2023 Take charge of your money
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