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Benefits and Insights From Over 200 Days of Giving

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Benefits and Insights From Over 200 Days of Giving

  Merry Christmas! At the beginning of 2014, I wrote a blog post explaining that I was going to spend the year giving a gift a day to friends, family and complete strangers. This project started off as a 29 day project on January 4th, 2014, and then I just kept going until end of May and started again in mid- September. As the year comes to an end, I thought it’d be awesome to share benefits and insights from this project. 1. I became debt free for the first time in my adult life Yep! That happened in 2014. The more I gave, the more...

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How to Start Taking Risks (& Play Big)

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How to Start Taking Risks (& Play Big)

Is your fear of losing money greater than your excitement of making money? I sometimes struggle with taking risks and leaving my comfort zone behind.  Of course to the outside world it looks like I’m a natural risk taker, which is so far from the truth. I’ve taught myself to embrace uncertainty and change. Because we can’t achieve our dreams without getting out of our comfort zone and risking something. And lets be honest, increasing our income will often require us to take a risk – spend money to go back to school,...

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How to Change Your Spending Habits

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How to Change Your Spending Habits

A recent study looked at the way that judges grant parole to prisoners and the factors impacting these decisions. What the study found was that when faced with prisoners doing time for the same crime judges were more likely to rule in favour of parole in the morning. In the morning judges ruled in favor of parole 70% of the time, but as the day wore on, the favourable ruling dropped to zero. What does a study on parole ruling have to do with personal finance? The judges’ decisions are being impacted by decision fatigue, not legal...

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5 Important Personal Finance Questions to Ask Yourself

Posted by on in Budgeting, Build A Nest Egg | 2 comments

5 Important Personal Finance Questions to Ask Yourself

I’m currently in the process of planning my 2015 , which has required me to ask myself some important personal finance questions. I ask these questions every year and would like to share these with you: 1.   2. What do you want your life to look like 5 years from now?   The first question helps us understand the impact of our current financial behavior on our future. This question helps us get very clear on the life that we want to really create. Write this vision down and start taking action to make it a reality.  If your...

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Quick Tip: How to Shed Fear & Start Taking Action

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Quick Tip: How to Shed Fear & Start Taking Action

  My week has been a mixed bag – there’s been a lot of anxiety and overwhelm about the small changes I’m making to Wealthy Money and the first time home buyer website I’m launching. So I want to share a quick 3 step process I relearned about releasing fear and getting started working on your vision: 1) Get very clear (I mean crystal clear) on your vision The brain hates uncertainty, it sees uncertainty as dangerous so the clearer you are on what you’re trying to create or achieve, the more confident you will be when it comes to...

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How to Release Anger at God & Celebrate Friends’ Successes

Posted by on in Finding the Miracle in Everyday, Relationships & Money | 2 comments

How to Release Anger at God & Celebrate Friends’ Successes

  I recently received an awesome question from a reader about releasing anger at God and allowing ourselves to celebrate others’ success. I really loved the question and decided to share the question and the answer on the blog. Reader Question Good Evening Sis Vangile, can I ask you a question? Have you ever been angry with God? I’m a graduate from TUT. I got my diploma in BTech but for the past 3yrs I’ve been job hunting with no luck. It upsets me when I see other people getting good jobs, some with fewer qualifications than me....

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3 Financial Wisdoms Gained from Getting My Car Broken Into

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3 Financial Wisdoms Gained from Getting My Car Broken Into

A few days ago my car got broken into – someone smashed my car window and took stuff (1 box and a backpack) that belonged to a friend of mine. They would’ve taken lots more stuff but I caught them in the act and ended up wrestling with one of them in the middle of the street and took back the box he was running away with. I guess I was having a Jackie Chan moment (LOL). I’m fine, not at all traumatized by the whole experience. As everything was happening I was having these aha moments and financial wisdoms even though I was really upset...

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How to Create Abundance by Changing Our Feelings About Money

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How to Create Abundance by Changing Our Feelings About Money

  I’ve been in some physical pain this past week, mainly because I did a 3 peaks challenge in Cape Town, where I climbed 2.5 mountains in one day. I was supposed to climb 3 mountains but I climbed 2 (Table Mountain and Devil’s Peak) and only got halfway up the third one (Lion’s Head) before I called it quits. I’m only now feeling normal again. But I’m glad I did it because at least now I know my potential as a hiker. Taking the first step to anything is always difficult. The hike reminded me a lot about my journey to...

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Should You Pay Back Debt Or Focus On Saving?

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Should You Pay Back Debt Or Focus On Saving?

I’ll be making my last ever student loan payment in a few hours. It’s been one of the hardest decisions I’ve had to make – focus on saving or paying off debt? I started off doing a bit of both but in the last few months, I changed my strategy and focused on paying off all debts and have used almost all my savings to do this. Why? Because my student loans are in US Dollars and I earn in South African Rands and in the last 9 months, the rand has depreciated significantly against the Dollar, making my debts even more expensive. So in the...

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Why You Should Never Dip Into Your Retirement Funds

Posted by on in Build A Nest Egg, Increase Savings Quarterly | 0 comments

  In the past few months I’ve received a series of emails from people who are looking to leave their jobs and wondering: is it a good idea to ever use/ borrow from my retirement fund? The short answer is NO. It’s never a good idea to use your retirement fund unless you’re retiring. For the all the reasons why you should never dip into your retirement fund, watch the video:       PS: Women changing the world I was recently interviewed for the speaker series: “Women Changing the World!” I shared some insights and...

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