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How do repo rate changes affect my money?
Understanding interest rates is vital for managing finances. Changes affect loans, investments, businesses, and the economy.
The opportunity cost of certification and degrees
Success and earning potential aren’t solely determined by formal education or certifications. While qualifications can open doors, practical skills, experience, and entrepreneurship can lead to lucrative opportunities.
How to get a raise
Prepare evidence of your value, align goals with company priorities, and negotiate during performance reviews for a raise.
Signs that you’re in a toxic work environment and how to deal with it
Insights from quitting a toxic workplace: interview red flags, abusive behaviors, exit strategies, and coping tips.
Retirement predictions: trends and my opinion on what will happen
Retirement seems impossible for most; financial advisors face distrust. Disruptive innovation, like ETFs and crypto, reshapes investments.
How to start an ecommerce business in South Africa
Starting an online business is simpler than ever with tools like WordPress, WooCommerce, and iKhokha. Build your website, set up e-commerce functionality, and drive traffic to start selling products.
What is the EasyCrypto10 (EC10) crypto index?
EasyCrypto10 simplifies cryptocurrency investment for non-experts, resembling an index fund. However, its board’s power to alter rules raises concerns.
Price comparison sites – do you get the best deal?
Price comparison sites may not always offer the best deals due to hidden fees and upselling tactics. Direct booking can sometimes be cheaper.
Semigrating and remote working in South Africa
Have you ever been stuck in a job that required you to go into the office? In recent years there has been a move away from the traditional office setup to allowing employees to work from home. Many people have taken advantage of this by moving further away from work, yet close enough that they […]
Do I Actually Own The Fractional Share (CFD) With EasyEquities?
EasyEquities have made it easy to invest in ETFs, shares, bonds and even cryptocurrencies through EC10. This is often done by offering fractional shares to clients for investment purposes. What are fractional shares? Imagine wanting to invest in Apple – but you don’t have R 2 600 ($ 169) for a single share. This has […]
Is Buying Timeshare A Good Idea?
Buying the holiday without the price tag Everyone wants to own a holiday home, but cannot afford the price tag. It’s an extremely expensive and difficult process to find the place that you want, and then you only use it for a week or two a year. Imagine you’re able to buy a holiday home […]
Frugal Local’s top books to read for 2022
“If you want your children to be intelligent, read them fairy tales. If you want them to be more intelligent, read them more fairy tales”
What is the S&P500 index and what ETFs track it?
The S&P500 index and ETFs NOTE! The information is based on November 2021 data Considered to be a proxy of the U.S. equity market, the index is composed of 500 constituent companies. – S&P Indices Methodologies document The Standards and Poor’s 500 (S&P500) is one of the seminal indices of the world today. The index measures […]
How to earn passive income through crypto
Passive income through crypto Imagine having a stream of revenue flowing into your wallet – and having to do nothing to make it happen. Though it might sound like an impossible task to earn passive income through crypto, there are some options. Note that this is not a get rich quick scheme or a ‘retire […]
Closing The Generational Wealth Gap in South Africa
Leaving a legacy and generational wealth A good man leaves an inheritance to his children’s children. Imagine you had the power and ability to leave a financial legacy to your children, their children and even their children. Previously, this was only available to the super-rich, but these days you can do the same. Generational […]
Cyber Security And The Impact Of Posting Your Earnings Online
Posting your investment earnings online We’ve all seen how people in the personal finance community share screenshots of their investments. It’s encouraging to see that other people are starting to invest and make money. Even though there are no police on social media that stops you from posting your personal financial information, every now and […]
What are the differences between a retirement annuity, pension fund and provident fund?
The retirement annuity, pension fund and provident fund When you speak to a financial advisor or join a new company, you might be either forced or encouraged to buy into a retirement product. As these products have lots of regulations and legal obligations, it might feel like you’re pouring money into a bottomless pit. Don’t […]
How To Save For My Child’s Education
You’ll need money for your child’s education The cost of a child’s education has been on the increase over the last 20 years. The upward trend tends to increase with inflation (CPI) +2% for education fees. A recent study by Old Mutual revealed that at the current trend, the cost of education in 2035 will […]
Fat FIRE: How To Retire Early Without Eating Out Of Trash Cans
Balance financial goals with present enjoyment. Fat FIRE allows luxuries without sacrificing tomorrow’s security.
The big list of personal finance resources
Discover a wealth of personal finance resources, from debt management to investing, curated to help you thrive financially!