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Take charge of your money

Take charge of your money

Budgeting, Saving, Investing, Money Tips

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Category: Financial Freedom

Financial freedom isn’t just about being rich. That’s one aspect but there’s so much more which simply relates to your mindset and outlook on life. Financial freedom is about having more options in life and less stress and worry about money.

Some strategies to follow to ensure financial freedom include:

Understanding the importance of cash flow and making sure that you not only survive month to month, but that you have excess at the end of the month.

Set up an emergency fund to help smooth things over when life throws curve balls at you.

Create a financial plan and keep track of your progress. You’re allowed to change it as life changes.

Make smart investments. Get a retirement savings in place, take out Unit Trusts or buy ETFs. Invest for the long run!

And finally, create passive income streams. These could be from rental properties, side-hustles or businesses that you start. It’s not easy creating a stable passive income stream but once you have it, wow, it makes a difference!

What is your savings rate

What is your Savings Rate?

by Brendan19 January 20198 February 2021Leave a comment

I did a little Twitter poll recently and it's interesting to see that many people know what a Savings Rate is, but they don't know their own savings rate. That's a bit like know about healthy eating but not doing…

Read More What is your Savings Rate?

Financial Freedom, Save Money calculate, invest, track
Retirement Plan in uncertain times

A Retirement Plan in uncertain times

by Brendan2 November 201827 January 20211 Comment

Have you ever set a financial goal which you didn't reach? You really aren't alone because we live in a world fill of uncertainty and constant change. It might be easy enough to set short term manageable goal, but how…

Read More A Retirement Plan in uncertain times

Financial Freedom agile, plan, retirement
Heritage Day in South Africa

Heritage Day in South Africa

by Brendan24 September 201826 January 2021Leave a comment

Today is Heritage Day in South Africa. This is a celebration of our heritage, diverse cultures, traditions, language and generally a time to remember where we came from. I thought we should spend a little time today thinking about what…

Read More Heritage Day in South Africa

Financial Freedom honesty, MoneyMonday, save, values
Why do people get into debt

Why do people get into debt?

by Brendan30 August 201812 July 20215 Comments

Ever wonder why people get into debt? I mean, we all know that debt is bad. But let's be honest now, the "debt system" is built in such a way that we're encouraged (forced?) to get into debt in order…

Read More Why do people get into debt?

Financial Freedom debt free, home loan, interest
Why buy property in a trust

Why buy property in a Trust?

by Brendan16 August 20183 July 20211 Comment

Why buy property in trust? This is a very important question as one often hears about people buying properties in a trust and that it's the "best way to invest". It may be, but it may also not be. It…

Read More Why buy property in a Trust?

Financial Freedom estate planning, knowledge, property, trust
What is a trust

What is a Trust?

by Brendan9 August 201815 January 2021Leave a comment

Have you heard of "Trust Fund Kids" or people saying you should buy a property in a trust? It sounds marvelous but what exactly is a trust and why would you want one? (And if you're interesting in buying a…

Read More What is a Trust?

Financial Freedom estate planning, property, trust
Make time for money

Tebogo – I make time for my money

by Brendan17 July 201831 December 20203 Comments

Welcome back to Tebogo's Story. Make time for your money and if you missed the first one on the realisation that change was needed, I'd suggest you listen to that first. Tebogo's Story (Part 1) - I need to fix…

Read More Tebogo – I make time for my money

Financial Freedom, Save Money Budget, challenge, Focus, Goals, intention, keep track, podcast, tebogo
Beware of lifestyle creep

Beware of Lifestyle Creep

by Brendan16 April 201822 October 20207 Comments

Lifestyle creep is a real thing. It's also called lifestyle inflation and it's something to always consider at the back of your mind. If you're not sure what it is, then read on as this post is definitely for you!…

Read More Beware of Lifestyle Creep

Financial Freedom, Financial Habits credit card, lifestyle, shopping, simplify, spend, waste
Why spend money you don't have?

Why spend money you don’t have?

by Brendan5 March 201817 October 2020Leave a comment

It seems weird that anyone would spend money that they don't actually have but yet it happens all the time! Have you ever justified buying something by saying "oh well, it's payday next week anyway", or even worse "I'm buying…

Read More Why spend money you don’t have?

Financial Freedom, Financial Habits, Smart Choices cashflow, debt free, plan, shop
Money and values

Values and money

by Brendan26 February 201817 October 20206 Comments

This week has been an interesting one as I've been reminded of my values on two occasions. Firstly, I happened to read this post from The Disruptors "Do you want it all now or are you prepared to wait" which…

Read More Values and money

Financial Freedom, Smart Choices Focus, kindness, values
Find financial freedom

Financial freedom by paying off your home loan

by Brendan5 February 201813 July 20211 Comment

Owning a place that you can call home is really awesome, but having to pay for it over 20 - 30 years is absolutely dreadful! It's like having a noose around your neck; just one mishap and bang - the bank…

Read More Financial freedom by paying off your home loan

Financial Freedom, Pay off debt bond, Goals, home loan, invest, property
What's your survival number

What’s your survival number?

by Brendan8 January 20188 October 2020Leave a comment

"What does that even mean?" you might be wondering. Well, by "survival number" I am referring to how much you need in order to survive. And really, what's the least amount of money you can survive off if things were really…

Read More What’s your survival number?

Budgeting, Financial Freedom debt free, expenses, Focus, Goals

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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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