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Take charge of your money

Take charge of your money

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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.

Capitec Account Types

Capitec account types

by Brendan27 August 20219 November 2022Leave a comment

This post is all about Capitec account types. What's on offer and how they work. This is NOT sponsored in any way and there is no hidden agenda here. lol. It's just that I am a Capitec client myself so…

Read More Capitec account types

Save Money, Smart Choices bank, credit card, home loan
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
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
How safe is tap and pay

How safe is “tap and pay”?

by Brendan13 October 201915 June 2021Leave 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 Brendan15 June 201920 September 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 Brendan2 April 20196 May 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 Brendan27 September 20181 April 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 Brendan30 April 20181 April 20212 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 Brendan23 April 201822 February 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 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
How to fix cash flow issues

How to fix cash flow issues

by Brendan3 October 201710 September 2021Leave 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 Brendan28 September 20173 December 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

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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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