Skip to content
  • Facebook
  • Twitter
  • Instagram
  • YouTube
  • Link Tree
Take charge of your money

Take charge of your money

Budgeting, Saving, Investing, Money Tips

  • Start here
    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.
  • Need a Financial Plan?
    Need help drawing up a real financial plan tailored to your own unique circumstances?
  • Topics
    • Budgeting
    • Crypto
    • Financial Freedom
    • Financial Habits
    • Financial Health
    • Insurance
    • Investing
    • Late Starter
    • Pay off debt
    • Save Money
    • Smart Choices
  • Pay off debt
  • Home loan calculator
  • About
  • Contact
    • Get in touch
    • Weekly tips in your inbox
  • Podcast

Tag: debt free

What would it mean to you if you were debt free? Can you imagine the relief?

Many people don’t feel that it’s possible to be debt free, or that it’s even something worth striving for. But, it really is possible and when going through these posts you will find some personal stories from readers who have managed to turn their finances around.

One post in particular is worth reading. It’s about Tumi (not her real name) and how she paid off almost R172k in consumer debt! It sounds crazy, but it’s the reality.

There are also posts on how to start the journey to become debt free. This is by no means easy and there is no quick fix. But, following some basic principles and focussing on your finances, it absolutely is possible.

If you have debt and are serious about paying it off, take the time to read these posts and really look for insights that can be applied to your own situation.

Learn about personal finance

Learn about personal finance

by Brendan23 January 202113 February 2023Leave a comment

It can be rather daunting to start to learn about personal finance. Where do you even begin? What's the most important, and how do you do it all if you don't have much money? This post is designed to give…

Read More Learn about personal finance

Financial Health debt free, insurance, invest, learn
Personal finance for beginners

Personal finance for beginners

by Journey Man20 November 202025 February 20212 Comments

Been a Late Starter I've really had to learn about personal finance for beginners. This is me. Learning the basics, undoing the bad habits and striving for better financial control! This is the last post in my series on being…

Read More Personal finance for beginners

Financial Habits, Late Starter debt free, take charge
What is debt review?

What is debt review?

by Brendan5 October 202018 March 2022Leave a comment

Got debt? You're certainly not alone! Many South Africans are faced with huge debt problems, especially now since the lockdown. One of the possible solutions to help you would be to go under debt review. But what is debt review…

Read More What is debt review?

Pay off debt Budget, debt free
Managing finances as a couple

Manage finances as a couple

by Brendan13 February 202011 February 2020Leave a comment

It can be tricky to manage finances as a couple. Check out this interview with Kaelo about he and his new wife manage their finances together. Great tips!

Budgeting, Financial Habits couple, debt free
Achieve your financial goals

Financial goals for 2020

by Brendan8 February 20208 February 20201 Comment

Financial Goals for 2020 First published in City Press The start of a new year, and in fact a new decade, is a great opportunity to reflect on life. Your successes, life events, family and work situation. It’s also good…

Read More Financial goals for 2020

Financial Habits debt free, Goals
Struggling to make ends meet

Struggling to make ends meet

by Brendan3 September 20196 May 2021Leave a comment

It's a sad reality that many people (most?) are struggling to make ends meet and make it through the month. There are many reasons for this, but one of them is the back-to-front money cycle; we use this months money…

Read More Struggling to make ends meet

Financial Habits cashflow, debt free
Whats your net worth

What’s your Net Worth?

by Brendan2 February 201920 September 20213 Comments

What's your net worth? Knowing your net worth can be both exciting and scary. Exciting if you're doing well and your finances are looking good, but scary if not. Either way though it's good to know what your current situation…

Read More What’s your Net Worth?

Financial Freedom assets, calculate, debt free, invest
Avoid Dezemba debt

Avoid the Dezemba debt traps

by Brendan4 December 20181 April 2021Leave a comment

It's the festive season and a time to be jolly. Some people however take it a little far and the money certainly flows. Instead of racking up the bills this December, read on to see how to avoid the Dezemba…

Read More Avoid the Dezemba debt traps

Budgeting, Financial Habits Christmas, debt free, December, spending plan
Help! Where's my money gone?

Help! Where’s my money gone?

by Brendan15 September 201824 November 2022Leave a comment

Where's my money gone? Ever feel overwhelmed by money stresses and that feeling of despair when you realise that you don’t have enough money left?

Financial Health, Save Money checklist, debt free, download, expenses, featured, podcast
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
The power of saying no

The power of saying no

by Brendan2 July 201810 June 20212 Comments

Many people seem afraid to say "No" to anything or anyone. As though saying no to an invite will end the friendship or offend someone so badly that they never speak to you again. For this post though I'm specifically…

Read More The power of saying no

Financial Habits, Save Money Budget, debt free, spend, values
Creating a budget is simply a plan for your money

How to make a financial plan

by Brendan4 June 20182 December 2020Leave a comment

Most people think of a budget as restrictive whereas it really is just a plan for your money to enable you to manage it better.

Budgeting debt free, expenses, Goals, track

Posts navigation

1 2 3 Next

Popular links

Learn about personal finance

How to make a budget

52 week savings plan

How to get out of debt

Financial Health Quiz

Independent Financial Planner

Wheres my money?

Best car insurance

All about crypto

Bank branch codes


Find me on Twitter

My Tweets

Latest Posts

  • 5 Free things to do in Cape Town on your birthday
  • Sort out your short term insurance
  • What to do if your car needs to be towed
  • The Top 15 investment terms
  • How can I save money every month
2k+ readers enjoy weekly money tips. Join in.

Popular this week

  • Capitec account types
  • What is a 32 day notice account?
  • 52 Week Savings Challenge South Africa
  • 3 Reasons A Tax-Free Savings Account Should Be Your First Investment
  • Choosing the right pet insurance

Runner up in the South Africa Blog Awards.

Regularly published in online and in print.

Brands I trust

How I make money

Privacy policy

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?

Budget, save, invest and make wise money decisions!

Personal finance and financial literacy for South Africa.

What are you interested in?

Brands I have worked with

Nedbank Logo Mastercard Logo Liberty Logo African Bank Logo 10x Logo

2023 Take charge of your money
  • Facebook
  • Twitter
  • Instagram
  • YouTube
  • Link Tree
 

Loading Comments...