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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.
  • How to get out of debt
    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

Better to pay off debt or invest?

Better to pay off debt or invest?

by Brendan11 November 20171 October 2020Leave a comment

You may be in a situation where you have some spare cash and you're now wondering whether it's better to pay off debt or invest. It's a tricky one and you are definitely not alone in this! There is no…

Read More Better to pay off debt or invest?

Investing, Pay off debt Financially free, knowledge, save
Should I save money or pay debt

Should I save money or pay debt?

by Brendan19 June 20174 November 2020Leave a comment

It's easy to feel pressured to have a savings account or some type of investment. Should I save money though or pay off debt? It's so tricky to know. Let's have a look at some of the things to consider…

Read More Should I save money or pay debt?

Pay off debt, Smart Choices interest, invest, save
Cancel store cards

Cancel your store cards

by Brendan11 May 201717 August 20202 Comments

I'd love to encourage everyone to cancel their store cards. By "store cards" I mean the type that allow you to buy on credit. They are certainly convenient as they allow you to buy things without needing actual money, and many…

Read More Cancel your store cards

Financial Habits, Pay off debt Budget, cash, challenge, credit card, shopping
Quote for the day

Quote on impressing others

by Brendan9 May 20174 November 2020Leave a comment

I love this quote on impressing others and it's so true. Too many people spend money they don't have to by things they don't need to impress people they don't like How often do you buy things that are in…

Read More Quote on impressing others

Financial Habits, Pay off debt credit card, Quotes, shopping, spend, values
Calculate savings from extra loan payments

Calculate savings from extra loan payments

by Brendan8 May 201713 July 2021Leave a comment

Have you ever wondered whether it is worth making extra payments into your home-loan account? And is there a way to actually calculate savings from extra loan payments? These may seem tricky but it's actually quite easy to calculate! In…

Read More Calculate savings from extra loan payments

Pay off debt, Save Money bond, calculate, home loan, mortgage, save
How much is your coffee costing you in terms of future savings?

How much is your coffee costing you?

by Brendan19 April 20173 November 20201 Comment

I love coffee!  The very thought of drinking less makes me quiver with fear. But, sometimes one must take the emotion out of decisions and just look at cold, hard facts. How much is my coffee costing? In a previous…

Read More How much is your coffee costing you?

Pay off debt, Save Money bond, cost, home loan, interest, mortgage

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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?

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