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LocalMoney is Your Ultimate Guide to Personal Finance, Property Investing, and Online Business

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Welcome to Local Money, the home of Frugal Local! My name is Louis Barnard, also known as FrugalLocal, and I am a South African who is passionate about educating people on money, real estate, and building a successful online business.

On this website, you’ll find a wealth of information and resources to help you achieve your financial goals. Whether you’re looking to invest in property, improve your personal finance management, or start your own online business, you’ve come to the right place.

With over 1000 readers already joining me on my journey, I am committed to providing valuable insights, tips, and strategies to help you succeed. I write about money, property investment, and small business, and I help my readers make the most of their resources to achieve financial freedom.

Join me on social media, where you can find me on Twitter, Instagram, Pinterest, TikTok, and Facebook, and subscribe to my YouTube channel to get access to even more content. I look forward to connecting with you and helping you achieve your financial goals!

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Grow Your Wealth Through Smart Property Investments

How to benefit from the solar panel tax incentive for individuals

The South African government has recently announced a tax incentive program to encourage individuals to invest in clean electricity generation capacity in the form of solar panels. The rebate will be available to individuals who pay personal income tax and can be claimed against their tax liability for a period of one year, starting from…
How to negotiate estate agent commission

There is a lot of money to be made when selling or buying a property. And the estate agent, as the middleman is one of the people who wants his/her piece of the pie. Although I believe that estate agents can play a valuable part in the selling process, their commission should always be negotiated.…
First-time property investor: tips and tricks

I’ve been chatting with a few first-time property investors looking to invest. With many factors that need to be considered including interest rates, location, tax, tenants, home loans and maintenance – it can be challenging to get going. As with all asset classes, things can go up and down – and property is no different.…

Take Your Business to the Next Level with Digital Success

I’m building my coding school in public!

Finding a software developer is difficult. Finding a good software developer is almost impossible. Frugal Local One of my friends owns a small dev house, employing 5 developers and some support staff. He has spent months finding a good developer who joined the team. After joining, 3 of his other developers resigned within 3 months.…
How small businesses win against big corporates – and you can too!

A few years ago, my mentor’s small business got cheated out of money by a big corporate. Being so large, they just didn’t care about the individual customer and just ignored his emails, complaints and calls. He decided to take this further and created a fake Twitter account, taking special care to have an anonymous…
Why you don’t need an online portfolio

It’s never been easier to create an online portfolio for your business. Whether a graphic designer, web developer, illustrator or photographer – it’s expected to have a place where we showcase past projects. To accommodate this, the portfolio industry was born. We have companies such as Behance, Adobe Portfolio and loads of plugins for WordPress…

Take Control of Your Finances and Your Future

Strategies for Achieving a Work-Life Balance while Pursuing Financial Goals

20 years from now, the only people who will remember that you worked late are your kids /antiwork Reddit Life can often feel like someone vomited on an abortion. With financial goals, family responsibility, and the demands of work and spiritual life to maintain, it is fully understandable that we feel overwhelmed. Balancing these can…
The 10 Best Personal Finance Apps for South Africans

Managing personal finances can be challenging, especially if you’re not a finance expert. Fortunately, technology has made it easier to keep track of your money and achieve your financial goals. With mobile phone technology maturing, we’re able to manage all our personal finances anytime, anywhere and with the ease of a mobile app. Please do…
Gap cover 101: What you need to know

Oh, we were so excited (and scared) when we found out Mrs Frugal is pregnant with Frugal Jnr. As a planned baby, we upgraded our medical aid in advance, to make sure we’ll get good coverage for the gynaecologist, scans, hospital requirements and even a c-section, if required. We did everything according to the medical…