Have you ever tried the envelope system for budgeting? It's such an easy and common-sense way of managing money that you can't really go wrong. In fact, my Mom still uses the envelope system. After so many years and so…
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A collection of featured content on Take Charge of Your Money blog. The best of personal finance in South Africa.
Basic personal money management. Learn how to budget, save, and invest. Improve your cash flow and pay off debt.
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FIRE in South Africa
If you're following any personal finance blogs and accounts, you've probably heard of the FIRE movement. That is, Financially Independent, Retire Early. You have probably wondered whether it's really possible to FIRE in South Africa as the bulk of the…
Capitec account types
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…
Choosing the right pet insurance
It might seem strange to be reading about finding the best pet medical aid on a personal finance blog; but have you ever considered the financial stress of a medical emergency for your pet? Even just “normal” visits to the vet can be…
How to buy ethereum
So here I am as a mid 40-year old searching online for how to buy ethereum. But wait, how do I even spell it? It is "etherium" or "ethereum". (Apparently it's the latter, after another quick search. And the abbreviation…
How to be happy in life
This may not seem like the usual kind of post for a personal finance site. But, being happy in life is probably the most important thing to us all, even if we aren't fully aware of it. All aspects of…
Investment fees
Take a closer look at your investment fees. First appeared in City Press It’s always exciting to start a new investment as it gives us that feeling of empowerment and the sense that we’re taking charge of our finances, planning…
What are Blended Annuities?
Blended annuities – are they ‘just right’ for your retirement? A priority for South Africans approaching retirement should be to secure an income for life that at least covers essential monthly expenses (e.g. housing, food, water and electricity, transport, phone…
How to run a side hustle
Times are tough and running a side hustle in South Africa is the new "in thing". Everyone is talking about it and many people are trying it. From online gigs, blogs, selling items, etc. Take a look at the advantages…
What is a buffer fund?
There are many Personal Finance terms and this is not really one of them. In fact, I think maybe it's just me who uses this. LOL. Or maybe others call it by different names. But let's take a look at…
Settling your bond early
Many people are trying to settle their home loan early. It's a good strategy and something that I did myself for my primary property (the property that I live in). Let's look how to go about settling your bond early,…
How to manage your monthly food budget
I really noticed a huge increase in my monthly food budget at the start of lockdown. My partner and I were suddenly spending lots of time at home and not only eating in more often, but with more time to…