For one reason or another, you may at one point of your life find yourself so deeply in debt and aren’t sure how to go about it. While there are times when you need debt management services, most times, it’s possible to work yourself out of the pit, by being prudent and disciplined in your approach. Today we look at a step by step approach…
Read MoreWe tend to underestimate the power of small savings, and the potential of these small savings to add up. On this post, we looked at the Snowball Method of paying off debt: a complement to this method is the Snowflake Method, which basically states that you should make small savings on your day to day expenses (snowflakes), which you use to pay off your debts,…
Read MoreTypically, when you get your first job, you are at an inferior position, and will tend to take whatever terms handed to you. However, there are certain clauses you should be very clear about before signing on that dotted line, and if you don’t understand should seek legal counsel. In addition to your employment contract, you should carefully read the company’s Employee Handbook, as it’s…
Read MoreOn this blog, we look at tips and tricks to frugal living, but we also seek to learn new things that help us become better investors. My aim is to build a reader base made up of savers and discerning investors that can build a secure financial future for themselves. So while it would be easy for me to carry out an analysis and tell…
Read MoreTo most of us, the computer is our most valuable work tool,yet we rarely take proactive steps to protect it and we risk our information and livelihood needlessly. Buying antivirus software for your computer is mandatory these days, especially if you use the more common operating systems, and are on the Internet constantly (which makes it most of us). Choosing the kind of software to…
Read MoreI hate writing lists, and I don’t particularly enjoy shopping. Not all women do apparently. Because I’m a disorganized shopper, I find myself in the supermarket more often than I wish, and it just aggravates my hatred for supermarkets. Three days ago for example, I went to do my monthly house shopping. While I actually had a full cart at the end of my shopping…
Read MoreOn this blog, we embrace frugality, which means we are not cheap or Amish, but look to spend as little as possible on almost everything, and still derive value, and improve the quality of our lives. Today we talk about the internet. If you use the BT broadband speed checker or any of the other tools online to check your home internet speeds right now,…
Read MoreI’m a member of an investment club (a chama), with 9 other ladies, much older than me. In fact, this is my Mom’s club, she invited me to join after my original investment club went burst. I don’t socialize much with the other members, but this week something interesting happened. One of the members asked me to co-sign for her on a loan she was…
Read MoreHospitalisation is generally physically depressing, and can turn into a financial tragedy if you’re not well prepared. Lately,medical care is so expensive and has made access to quality health care a luxury, and even then, the quality is arguable. While you can’t predict sickness or accidents, there are certain things you can do before and after hospitalisation that help you greatly reduce your medical expenses….
Read More“An Investment operation is one which, upon thorough analysis promises safety return of principal (amount invested), and an adequate return. Operations not meeting these requirements are speculative” – Benjamin Graham. The Intelligent Investor An investor’s focus should be learning and implementing strategies that ensure security of the capital, and an adequate return. Anything that is not focused on these two objectives is considered speculation…
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