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Take charge of your money

Take charge of your money

Budgeting, Saving, Investing, Money Tips

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    A collection of the most popular personal finance posts, spreadsheets and downloads.
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    Your 8 step guide to pay off all your debt. Based on my personal experience of dealing with debt.
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Category: Pay off debt

Learn how to pay off debt, irrespective of your income.

Debt is something that most people have, but nobody actually wants.

You probably have some debt – and that’s fine. We borrow from our future selves to live the life we want – now, including having a roof over our heads. Sometimes it’s unavoidable although most times it really is.

But, debt is bad – this is fairly obvious.

Debt used for buying a house is generally considered “good debt” but it’s not always the case. It really depends on whether you can afford to pay off your debt and manage it. A lot also depend son your overall finances and your relationship with money.

This is a collection of posts on how to pay off debt, create a budget and spending plan, and manage your finances better. Declare war on debt.

A great post to start with is Tumi’s debt story. See how she recovered from R172k worth of consumer debt!

Be sure to look at my post on How to pay off debt

Settling your bond early

Settling your bond early

by Brendan16 May 202124 November 2022Leave a comment

Many people are trying to settle their home loan early. It's a good strategy and something that I did myself for my primary property (the property that I live in). Let's look how to go about settling your bond early,…

Read More Settling your bond early

Pay off debt bond, home loan
How to pay off debt faster

How to pay off debt faster

by Brendan15 February 202124 November 2022Leave a comment

Having debt sucks! The stress of dealing with debt can have an unimaginable toll on our lives. We all want to pay off debt, but the ultimate question is always about how to pay off debt faster. But first, how…

Read More How to pay off debt faster

Pay off debt snowball, track
Credit card debt

Credit card debt

by Journey Man18 November 202030 March 2021Leave a comment

In my war on debt, my credit cards are Public Enemy #1. I’m convinced I should never have had a credit card. As far as I can tell credit card debt is a cancer, robbing us of the future we long…

Read More Credit card debt

Late Starter, Pay off debt credit card
What is debt review?

What is debt review?

by Brendan5 October 202018 March 2022Leave a comment

Got debt? You're certainly not alone! Many South Africans are faced with huge debt problems, especially now since the lockdown. One of the possible solutions to help you would be to go under debt review. But what is debt review…

Read More What is debt review?

Pay off debt Budget, debt free
Deal with lockdown debt

Deal with lockdown debt

by Brendan13 September 20201 April 2021Leave a comment

Lockdown regulations have left many South Africans in financial despair. It's been tough. If you've got debt and feeling the pressure, you're definitely not alone! Let's explore how to deal with lockdown debt. Be kind to yourself Now is the…

Read More Deal with lockdown debt

Pay off debt Budget, plan, snowball
calculate interest

How to calculate interest on South African loans

by Brendan30 July 202013 August 2020Leave a comment

Sponsored Post When applying for a loan in South Africa or anywhere else in the world, a little understanding of important financial terms goes a long way. Therefore, it's crucial to be familiar with interest rates if you want to…

Read More How to calculate interest on South African loans

Pay off debt calculate, interest, loan
We have financial options

Do we have financial options?

by Brendan28 June 202028 June 2020Leave a comment

Do we have any real financial options or, will the consequences of the financial choices we've already made, lead to an inevitable, bleak financial future? A guest post from a 40-something year old who left his retirement planning for almost-too-late.…

Read More Do we have financial options?

Financial Freedom, Pay off debt choices, credit card
Samanthas car debt story

How Samantha paid her car debt

by Brendan26 April 20201 April 20214 Comments

A story from Samantha, a personal finance YouTuber and reader of my blog, on how she paid her car debt. Find her videos here. My name is Samantha and I'm a 34 year old Zimbabwean living in Johannesburg for the…

Read More How Samantha paid her car debt

Pay off debt car, debtstories
How to pay off debt

How to pay off debt

by Brendan6 April 202020 September 2021Leave a comment

You probably have some debt – and that’s fine. You do however need a plan to pay off debt and here we offer two strategies to choose from, or use a combo.

Pay off debt snowball
Taking look at your debt situation

A good reason NOT to pay off your debt

by Brendan23 February 202023 February 20201 Comment

It could be contentious, but it's probably more important to set up an emergency fund than pay off outstanding debt. A reason not to pay off your debt.

Financial Health, Pay off debt cashflow, emergency fund, spending plan
Ever consider what it takes to become a one-car couple?

Should you sell a car and share one car as a couple?

by Brendan21 December 20193 October 20201 Comment

Does it make financial sense to sell a car and to share one car as a couple? How would you go about doing the calculations for this?

Pay off debt, Save Money calculate, car, real life
Out of control debt

Muthu’s out of control debt

by Brendan19 July 201914 July 2021Leave a comment

A real story from a reader about his out of control debt - unedited Mine started late 2014 when I just got a permanent job after a successful graduate programme. I decided to buy a car with my first salary,…

Read More Muthu’s out of control debt

Pay off debt car, debtstories, loan, transparent

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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?

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