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.…
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…
I was recently asked about my own 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…
We all love the convenience of credit cards but it’s so easy to misuse them and one can quickly end up in a terrible debt situation! Take a look at these warning signs and think about them before you next…
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 that you’re not in control of your credit card
I often refer to debt as a "spiral of debt" because one small thing leads to the next and you slowly but surely get wound up in huge amounts of debt that eventually pull you down like a whirlpool. I've…
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. There are however both pros and cons to using credit cards and we'll explore…
Lifestyle creep is a real thing and 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! What is lifestyle creep? Lifestyle creep…
In Part 1 we looked at what Cash Flow is, and the golden rule of money; don't buy stuff if you don't actually have the money (real money in the bank, not credit) I'm sure that sounds easy enough and…
Take a listen to the Cape Talk Radio interview about this post Part 1: The typical money cycle This article is the first in a series relating to my money “cycle” and getting my cash flow right. Cash flow is…
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…
It can be tricky to manage your credit card spending and keep it within your monthly budget. The reason is that we budget for a calendar month, but our credit card statement generally happens at a random mid-month date. My…
