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Tag: credit card

All you need to know about using a credit card. The pros and cons of a credit card, how interest works, and most importantly, how debt works.

Credit cards are really great and can be super useful. But, only if you have self control and are able to manage your spending. It’s just so easy to spend with a credit card that one can quickly get sucked into the debt spiral.

Credit card debt

Credit card debt

by Journey ManNovember 18, 2020November 18, 2020Leave 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
We have financial options

Do we have financial options?

by BrendanJune 28, 2020June 28, 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
Are tap & pay cards safe to use?

How safe is “tap and pay”?

by BrendanOctober 13, 2019April 8, 2020Leave a comment

Rushing through Woolies to buy your sarmie and snack bar is so much simpler when you can just tap and not even enter a PIN number for your card. But how safe is tap and pay? These cards are so…

Read More How safe is “tap and pay”?

Smart Choices cashless, credit card, RFID
My own debt story

My own debt story

by BrendanJune 15, 2019March 4, 20212 Comments

I was recently asked about my debt story and what the actual turning point for me was. It was hard to think about as it's an area of my life that I've kind of pushed to the far corners of…

Read More My own debt story

Pay off debt credit, credit card, debtstories, personal, snowball
Warning signs of credit card overuse

10 Warning signs of credit card overuse

by BrendanApril 2, 2019February 24, 2021Leave a comment

We all love the convenience of credit cards but they're so easy to misuse and one can quickly end up in a terrible debt situation! Take a look at these warning signs of credit card overuse, and think about them…

Read More 10 Warning signs of credit card overuse

Financial Habits, Pay off debt credit card, shopping
Credit card debt

5 warning signs of a credit card debt trap

by BrendanSeptember 27, 2018January 26, 2021Leave a comment

Credit cards are dangerous things as they make it far too easy to buy stuff that you don't actually have money for! And what's worse is that the credit cards are marketed as giving you freedom, giving you things that…

Read More 5 warning signs of a credit card debt trap

Pay off debt balance, credit card, Financial Health, Financially free, track
Unwind the spiralling debt

Unwind the spiralling debt

by BrendanApril 30, 2018October 31, 20202 Comments

Spiralling debt can easily happen as one small thing leads to the next and you slowly but surely get wound up in more and more debt. Enough to eventually pull you down like a whirlpool. I've been thinking about it…

Read More Unwind the spiralling debt

Pay off debt Budget, credit card, Focus, Goals, spend
Credit cards pros and cons

Credit Cards pros and cons

by BrendanApril 23, 2018February 22, 202111 Comments

Credit cards are really useful and convenient now days, but it's so easy to fall into debt and your finances can quickly spiral out of control. Let's explore the credit cards pros and cons and see if it's something that…

Read More Credit Cards pros and cons

Financial Habits, Smart Choices calculate, credit card, debt free, emergency fund, interest, shopping
Beware of lifestyle creep

Beware of Lifestyle Creep

by BrendanApril 16, 2018October 22, 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
How to fix cash flow issues

How to fix cash flow issues

by BrendanOctober 3, 2017December 3, 2020Leave a comment

If you find that you're struggling to survive form paycheck to paycheck, then you may have some cash flow troubles. Let's explore how to fix cash flow issues in 6 steps. They're not all easy, but they can absolutely be…

Read More How to fix cash flow issues

Financial Freedom cashflow, credit card, debt free, plan, shopping
What is cash flow

What is cash flow?

by BrendanSeptember 28, 2017December 3, 20202 Comments

What is cash flow in relation to your personal finances? This is the first of two articles, the next being on how to fix cash flow issues. Take a listen to the Cape Talk Radio interview about this post on…

Read More What is cash flow?

Financial Freedom cashflow, credit card, debt free, plan
Give your card a break

Give your card a break

by BrendanMay 30, 2017November 4, 2020Leave a comment

I like to give my credit card a break sometimes and so once a week I hide it away for a full 24-hours. This simply means that I cannot spend anything on my card that day. I can obviously spend…

Read More Give your card a break

Financial Habits, Smart Choices cash, challenge, credit card

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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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