Personal Finances

Collection by Frugal Local

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Frugal Local
General Personal Finances

General Personal Finances

The interwebs are well known for cheesy Americanised side hustle ideas. I want to look into a different direction – what side hustles could work for you in a South African context?

Side hustle ideas for South Africans

The interwebs are well known for cheesy Americanised side hustle ideas. I want to look into a different direction – what side hustles could work for you in a South African context?

Money confessions and action plans Money Week, My Money, Personal Finance, Confessions, Behavior, Things I Want, Goals, Led, Thoughts
Personal FinanceConfessionsGoals

Money confessions and action plans

I was reading an article on Bloomberg opinion the other day (link here), and I have some confessions to make. I love spending money. I don’t save enough (you never can save enough). I love consuming things. But I want to be financially free – and work on the things I love. This led me to this post: I want to confess my money sins and thoughts around what I am spending money on. I feel the need to come clean about justifying my behaviour: Here are my top wasteful money confessions

Get mini money hacks to get you through the month! Money Hacks, Money Tips, Frugal Living, Personal Finance, Eagles, South Africa, Budgeting, Goal, How To Get
Money HacksMoney TipsPersonal FinanceEaglesGoal

Mini money hacks for you and your budget

Start with the eagles of your day Each day have both eagles and vultures – the eagles are the things that adds value to your life, whereas the vultures takes it away. So the question is this – how many eagles can you have in your day? The goal for hacks are to help you get more eagles in your life, so you can focus on the things that are important.

Find out how the top rewards programs compare - including Clicks, Dischem and others! Drinking Coffee, How To Get Money, Frugal Living, Personal Finance, Programming, Donuts, South Africa, Sweet Tooth, Community
Personal FinanceDonutsSweet ToothCommunity

Reward Programs in South Africa

As I have been getting more and more involved in the frugal / mustachian community, I have been looking more into getting money for doing the everyday mundane such as grocery shopping, drinking coffee and buying toiletries. And if you have children or a sweet tooth – buying donuts.

Nobody will lie on their death bed and say "I wish I spent more time at the office" Personal Finance, Investing, Death, Relationship, Money, Education, Sayings, Bed, Life

Investing in more than just money

Nobody will lie on their death bed and say "I wish I spent more time at the office"

Frugal Local's top books to read Top Books To Read, Finance Books, Love Reading, Personal Finance, Frugal, Audio Books, Finance

Frugal Local’s top books to read

Books Books Books! Reading isn’t nearly as exciting as growing through what you are reading! I know not everyone loves reading, and that’s okay. Well, I don’t like reading either. I do the audio book thing – Audible. You will see all the books below is available on Audible.

Divorce your budget

Divorce your budget

I hate the word budgeting Would you like to feel condemned, criticised and exposed? Well, maybe if you’re this weird psychopath that enjoys rejection it might be appealing. But that’s exactly what the traditional idea of budgeting does. Oh, but wait, there’s more! You are also put into the naughty box for spending your own money.

When you're haemorrhaging money What Happens When You, Investment Property, Personal Finance, Frugal, Investing, Shit Happens, Money, Silver

When you’re bleeding money

Have you ever had the experience of facing serious losses on your investment? How about when you get an increase at your job that doesn’t cover your inflation rate? What happens when your investment properties rent and value doesn’t increase with inflation?

Financial intelligence and financial education seems to be buzz words these days. Many marketers go out and promote “feel good” advice and courses that makes one feel great, but lacks any substance. Feeling Great, Feel Good, Good Advice, Personal Finance, Goals, Marketing, Money, Education, Feelings

Growing your financial intelligence

Financial intelligence and financial education seems to be buzz words these days. Many marketers go out and promote “feel good” advice and courses that makes one feel great, but lacks any substance.

Early retirement and calculations My Money, Early Retirement, I Decided, Money Matters, Passive Income, Personal Finance, Frugal, How To Plan, This Or That Questions
Passive IncomePersonal FinanceThis Or That Questions

Early retirement and calculations

Out of all the things in the world of personal finances that you are able to measure, I decided to measure my money matters in terms of monthly passive income. This in itself is not a bad thing as I am planning an early retirement. The issue came in when I started researching how to calculate the amount you need to retire – which most people focus on stocks and ETFs only. The calculation looked vastly different, which was a cause of concern for me financially.

Many people stress because of money – they overspent, the plastic MasterCard debt monster catches up to them or they lost their life savings in a Ponzi scheme. Now sitting with their world in pieces, they try to make a living. It’s not a great place to be and there’s nothing people can say to make this better. That is unless they’re willing to give you R 1000 000 000 to solve your problems.

Money VS Stress

Many people stress because of money – they overspent, the plastic MasterCard debt monster catches up to them or they lost their life savings in a Ponzi scheme. Now sitting with their world in pieces, they try to make a living. It’s not a great place to be and there’s nothing people can say to make this better. That is unless they’re willing to give you R 1000 000 000 to solve your problems.

I really want a MacBook Pro. But not any, I want the most expensive one. In my career, I normally get to play with the best hardware, but this is not one that I can get on the work account. But me wantz it. Wise Decisions, Things I Want, Good Things, My Career, My Money, Macbook Pro, Personal Finance, Accounting, Investing

Are you overpowered by others controlling your money?

I really want a MacBook Pro. But not any, I want the most expensive one. In my career, I normally get to play with the best hardware, but this is not one that I can get on the work account. But me wantz it.

How your mind stops you from investing

How your mind stops you from investing

Bitcoin? Property? Stocks? Well, I am sure you’ve heard all of these from someone. I have a couple of friends that love risky business – or what I would call risky. These include cryptocurrencies, forex trading and other online (which I believe is dodgy) dealings.

When I think back, it makes me want to vomit in my mouth. It’s not only depressing, but sad that I could’ve made such a bad investment, yet this is the way we learn. I call this school fees. School Fees, My Mouth, Depressing, Personal Finance, Frugal, Things I Want, Investing, Sad, How Are You Feeling

Read this before you quit investing

When I think back, it makes me want to vomit in my mouth. It’s not only depressing, but sad that I could’ve made such a bad investment, yet this is the way we learn. I call this school fees.

am able to retire by the end of this month. I would be dead from hunger by the after my debit orders went off Household Expenses, Frugal Tips, Frugal Living, Personal Finance, South Africa, Budgeting, Budget Organization, Budget, Saving Tips
Personal FinanceBudget

Lowering your household expenses

am able to retire by the end of this month. I would be dead from hunger by the 2nd after my debit orders went off

The interwebs are well known for cheesy Americanised side hustle ideas. I want to look into a different direction – what side hustles could work for you in a South African context?

Side hustle ideas for South Africans

The interwebs are well known for cheesy Americanised side hustle ideas. I want to look into a different direction – what side hustles could work for you in a South African context?

Money confessions and action plans Money Week, My Money, Personal Finance, Confessions, Behavior, Things I Want, Goals, Led, Thoughts
Personal FinanceConfessionsGoals

Money confessions and action plans

I was reading an article on Bloomberg opinion the other day (link here), and I have some confessions to make. I love spending money. I don’t save enough (you never can save enough). I love consuming things. But I want to be financially free – and work on the things I love. This led me to this post: I want to confess my money sins and thoughts around what I am spending money on. I feel the need to come clean about justifying my behaviour: Here are my top wasteful money confessions

Get mini money hacks to get you through the month! Money Hacks, Money Tips, Frugal Living, Personal Finance, Eagles, South Africa, Budgeting, Goal, How To Get
Money HacksMoney TipsPersonal FinanceEaglesGoal

Mini money hacks for you and your budget

Start with the eagles of your day Each day have both eagles and vultures – the eagles are the things that adds value to your life, whereas the vultures takes it away. So the question is this – how many eagles can you have in your day? The goal for hacks are to help you get more eagles in your life, so you can focus on the things that are important.

Find out how the top rewards programs compare - including Clicks, Dischem and others! Drinking Coffee, How To Get Money, Frugal Living, Personal Finance, Programming, Donuts, South Africa, Sweet Tooth, Community
Personal FinanceDonutsSweet ToothCommunity

Reward Programs in South Africa

As I have been getting more and more involved in the frugal / mustachian community, I have been looking more into getting money for doing the everyday mundane such as grocery shopping, drinking coffee and buying toiletries. And if you have children or a sweet tooth – buying donuts.

Nobody will lie on their death bed and say "I wish I spent more time at the office" Personal Finance, Investing, Death, Relationship, Money, Education, Sayings, Bed, Life

Investing in more than just money

Nobody will lie on their death bed and say "I wish I spent more time at the office"

Frugal Local's top books to read Top Books To Read, Finance Books, Love Reading, Personal Finance, Frugal, Audio Books, Finance

Frugal Local’s top books to read

Books Books Books! Reading isn’t nearly as exciting as growing through what you are reading! I know not everyone loves reading, and that’s okay. Well, I don’t like reading either. I do the audio book thing – Audible. You will see all the books below is available on Audible.

Divorce your budget

Divorce your budget

I hate the word budgeting Would you like to feel condemned, criticised and exposed? Well, maybe if you’re this weird psychopath that enjoys rejection it might be appealing. But that’s exactly what the traditional idea of budgeting does. Oh, but wait, there’s more! You are also put into the naughty box for spending your own money.

When you're haemorrhaging money What Happens When You, Investment Property, Personal Finance, Frugal, Investing, Shit Happens, Money, Silver

When you’re bleeding money

Have you ever had the experience of facing serious losses on your investment? How about when you get an increase at your job that doesn’t cover your inflation rate? What happens when your investment properties rent and value doesn’t increase with inflation?

Financial intelligence and financial education seems to be buzz words these days. Many marketers go out and promote “feel good” advice and courses that makes one feel great, but lacks any substance. Feeling Great, Feel Good, Good Advice, Personal Finance, Goals, Marketing, Money, Education, Feelings

Growing your financial intelligence

Financial intelligence and financial education seems to be buzz words these days. Many marketers go out and promote “feel good” advice and courses that makes one feel great, but lacks any substance.

Early retirement and calculations My Money, Early Retirement, I Decided, Money Matters, Passive Income, Personal Finance, Frugal, How To Plan, This Or That Questions
Passive IncomePersonal FinanceThis Or That Questions

Early retirement and calculations

Out of all the things in the world of personal finances that you are able to measure, I decided to measure my money matters in terms of monthly passive income. This in itself is not a bad thing as I am planning an early retirement. The issue came in when I started researching how to calculate the amount you need to retire – which most people focus on stocks and ETFs only. The calculation looked vastly different, which was a cause of concern for me financially.

Many people stress because of money – they overspent, the plastic MasterCard debt monster catches up to them or they lost their life savings in a Ponzi scheme. Now sitting with their world in pieces, they try to make a living. It’s not a great place to be and there’s nothing people can say to make this better. That is unless they’re willing to give you R 1000 000 000 to solve your problems.

Money VS Stress

Many people stress because of money – they overspent, the plastic MasterCard debt monster catches up to them or they lost their life savings in a Ponzi scheme. Now sitting with their world in pieces, they try to make a living. It’s not a great place to be and there’s nothing people can say to make this better. That is unless they’re willing to give you R 1000 000 000 to solve your problems.

I really want a MacBook Pro. But not any, I want the most expensive one. In my career, I normally get to play with the best hardware, but this is not one that I can get on the work account. But me wantz it. Wise Decisions, Things I Want, Good Things, My Career, My Money, Macbook Pro, Personal Finance, Accounting, Investing

Are you overpowered by others controlling your money?

I really want a MacBook Pro. But not any, I want the most expensive one. In my career, I normally get to play with the best hardware, but this is not one that I can get on the work account. But me wantz it.

How your mind stops you from investing

How your mind stops you from investing

Bitcoin? Property? Stocks? Well, I am sure you’ve heard all of these from someone. I have a couple of friends that love risky business – or what I would call risky. These include cryptocurrencies, forex trading and other online (which I believe is dodgy) dealings.

When I think back, it makes me want to vomit in my mouth. It’s not only depressing, but sad that I could’ve made such a bad investment, yet this is the way we learn. I call this school fees. School Fees, My Mouth, Depressing, Personal Finance, Frugal, Things I Want, Investing, Sad, How Are You Feeling

Read this before you quit investing

When I think back, it makes me want to vomit in my mouth. It’s not only depressing, but sad that I could’ve made such a bad investment, yet this is the way we learn. I call this school fees.

am able to retire by the end of this month. I would be dead from hunger by the after my debit orders went off Household Expenses, Frugal Tips, Frugal Living, Personal Finance, South Africa, Budgeting, Budget Organization, Budget, Saving Tips
Personal FinanceBudget

Lowering your household expenses

am able to retire by the end of this month. I would be dead from hunger by the 2nd after my debit orders went off