Your Property Portfolio – how to prepare to start …

Okay, you here, im guessing you interested in property.  Word on the streets keeps saying property investment is always a good investment.  Them streets also say you can never go wrong with investing in property.  Hmmm.  Never say never… but im not here to try convince you or argue any points, i will leave that to…

04 – 20 years vs 30 years Home Loan

Sometime before lock down i had a brief Starbucks sit down with twitter persona @FrugalLocal. He has property experience, financial intelligence and good ideas but the best part is he shares his experience, knowledge, tips and tricks freely and readily. So during the sit down, he asked me which i prefer 20 year home loan…

03 – Property Strategy

My thoughts are you will need a basic strategy plan for your property portfolio. You need some basic direction on how you are going to go about growing your business – well it is a business right?  There is a lot of questions you will have to ask yourself: what type of properties would you…

02 – Property buying capacity

When finally deciding to buy property or build your property portfolio, one of the things you should try decide very early on is the capacity in which you would like to buy your properties.  The easiest and the most normally / commonly used is personal capacity, that is buying property in your personal name meaning…

01 – Buying to stay in vs buying to rent out (investment)

11 Apr 2021 i think when finally deciding to start your journey into property investing the first other question to ask yourself is will you be buying a property in order for you to stay in or a property for you to rent out aka for investment purposes. But this depends on if this will…

Oprah’s Budget Plan – a useful budgeting guideline

Oprah, yes, the one and only famous Oprah Winfrey, has made available a lovely budget plan which she calls Oprah’s Debt Diet or Spending Plan Pie Chart.  Its really a nice simple guide of how to start your budget plan.  I found it very useful in coming up with my own budget and used it…

Fraudulent Bolt(Taxify) Charges on Credit Card

On the 24th of February 2019 while having breakfast at the Mall of the North, Polokwane, i received an SMS from Absa, my bank informing me of suspicious transactions on my Absa credit card and that i should call the card division immediately. And immediately, i did call. After being verified that im the rightful…

Ditch the garage card [Tricks & Tips]

So you have a garage card for all your vehicle, petrol and toll gate charges.  Maybe it was a budgeting tool you are/were using in order to keep track of these expenses and separate them from your normal day to day expenses.  Good idea!  But your garage card is normally linked to your credit card,…

Step 06: Save 3 – 6 Months Salary

My whole aim or reason for this site comes down to mainly trying to increase your financial intelligence and awareness by sharing ideas, tips, tricks and experiences so that you may use them into your own life and bring about your own financial freedom.  BUT, what is financial freedom?  I have decided to give it…