Financial wellness

What my R425 000 property actually cost in 6.5 years

Photo by bongkarn thanyakij on Pexels.com I recently wrote that I had finished paying off my apartment after 6.5 years instead of the traditional 20 years. I have been on a debt-freedom journey since 2016 and the homeloan was the last of my debts to be paid off. When I realized how much I have… Continue reading What my R425 000 property actually cost in 6.5 years

Financial wellness, Relationships

Dust yourself off and try again

Photo by Kat Jayne on Pexels.com A year after a broken marriage, I did not have a job and ended up moving back into with my parents’ home in the township. Some people, including relatives, had a field day of laughter about me because I had been married to a “celebrity” and now I was… Continue reading Dust yourself off and try again

Financial wellness

I have no extra income to pay debts off or to save

Last week I wrote about having paid off my home and as my last debt to pay off, this meant that I had paid off about R840 000 worth of debt in four years. Actually now that I think of it, this amount does not include the interest I paid on the home loan which means… Continue reading I have no extra income to pay debts off or to save

Financial wellness

My journey to financial wellness – Part 7

I am debt free! Today I am very humbled, grateful and even surprised still to write that I am officially 100% debt free. Six and half years later, I have paid off my flat. When my account went to zero on 25 September 2020, I felt a weight lifted off my shoulders. Perhaps now it… Continue reading My journey to financial wellness – Part 7

Financial wellness

My journey to financial wellness – Part 6

Fighting Temptations Veggies or sweets? YOU decide! Be rest assured that as you plough your way through this journey, many will be the temptations to test your resilience. The good thing about life is that when you become determined and focused on a good plan, God partners with you to make things work out. Others… Continue reading My journey to financial wellness – Part 6

Financial wellness

My journey to financial wellness – Part 5

The 7 baby steps to financial freedom Around March 2019, almost three years into my journey, I discovered a man called Dave Ramsey. I had googled financial stewardship on YouTube and one of the feeds that popped up was of this loud, offensive and brutally honest man. If you are sick and tired of debt,… Continue reading My journey to financial wellness – Part 5

Financial wellness

My journey to financial wellness – Part 4

One step at a time Have you read Part 1, 2 and 3? So here we are…in a deep dark hole and seeing no way out. We have decided that debt is no longer welcome and we want to get rid of it. Is it even possible to live without debt? How? The same way… Continue reading My journey to financial wellness – Part 4

Financial wellness

My journey to financial wellness – Part 3

It's not just maths! Do you know that a big part of your finances has nothing to do with maths or numbers? If it was, you would have figured out by now that debt is standing in your way to becoming financially well. It has a lot to do with how you think about it.… Continue reading My journey to financial wellness – Part 3

Financial wellness

My journey to financial wellness – Part 2

Facing the mountain! So going back to my Damascus moment in Part 1 that morning of 2016, I took out all my ‘debt’ cards (yes at 3am) and cut them up in so many pieces you would not be able to identify which one fit where. I wanted to make sure I did a thorough… Continue reading My journey to financial wellness – Part 2

Financial wellness

My journey to financial wellness – Part 1

Never again!    COVID-19 is having many casualties including financial, and this had me reflecting on the past so I decided to write through my thoughts. Time was around 02h00 (this is AM in case you missed it) one pay day in the year 2016. I sat in my car in the parking lot with… Continue reading My journey to financial wellness – Part 1