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Tag: excel

Budgeting in South Africa

Why people hate budgeting in South Africa

by Brendan23 December 201821 June 20214 Comments

I've been thinking about the new year and what it will bring and as I speak to people I realise that budgeting in South Africa is something that everyone knows that they should do, but they don't. It's one of…

Read More Why people hate budgeting in South Africa

Budgeting app, empower, excel, mindset
Should I pay my home loan or invest?

Pay home loan or invest?

by Brendan9 April 201826 October 202122 Comments

I was wondering today whether my strategy of paying off my home loan early instead of investing is indeed the best. You know, pay home loan or invest? There are so many things to consider and I sometimes relook at…

Read More Pay home loan or invest?

Investing, Pay off debt, Smart Choices bond, calculate, excel, Goals, home loan, my story, property, save, travel
How to calculate interest

How to calculate the interest you can earn

by Brendan20 June 20174 November 2020Leave a comment

Here's a quick explanation on how to calculate the interest that you can earn on your savings (or pay on your debt). Let's use an example of R1,500 in your bank account that earns 3.5% interest. First thing to note…

Read More How to calculate the interest you can earn

Investing calculate, excel, interest
Budget by payment forms

Budget by payment forms

by Brendan20 May 20174 November 2020Leave a comment

We all have different spending habits and ways of working with money. That's why you need to find a way to budget that works for you! Especially a way to budget by payment forms such as cash, credit card, ETF…

Read More Budget by payment forms

Financial Habits cash, credit card, excel, track
Create a simple budget

Create a simple budget

by Brendan19 May 20174 November 2020Leave a comment

Many people hate budgets and if you've never made a budget before then you should really start with something simple. Not that you ever really have to get too complex, but as you work with a budget over time you…

Read More Create a simple budget

Budgeting debt free, excel, save, track
Create Savings Pockets

Create Savings Pockets

by Brendan20 April 20173 November 2020Leave a comment

You might manage to save a few extra bucks each month, but what do you do with it? Wouldn't it be great if you could create savings pockets for every goal of yous? That would probably help as we somehow…

Read More Create Savings Pockets

Financial Habits excel, Goals, keep track, save
Calculate the future value of an investment

Calculate the Future Value of an investment

by Brendan20 April 201715 August 2020Leave a comment

In this article we looked at the effect of extra payments into ones home loan (mortgage bond).  That's all good and well, but what if you don't have a loan?  Perhaps you would rather invest your money or save it…

Read More Calculate the Future Value of an investment

Investing calculate, excel, formula, future value, save

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