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General Finances

General finances – Resource allocation, that is, the process, markets, institutions, and instruments that facilitate the transfer of money and wealth

General Finances

What is debt review? Does debt review affect my credit score?

What is debt review? Mrs Latte decided to max out all her credit cards, buy a billion rand house. She crashed her Porshe just last week which the insurance didn’t pay out – because she was driving from Johannesburg to Cape Town at 739 km/hour.  She has a debt problem.  Read more…

By Frugal Local, 2 weeks2 weeks ago
Fees and costs

When is it okay for financial advisors to make money off you?

On the brink of death Everyone in the personal finance community thinks financial advisors are the used coffee grounds that should be used for fertiliser. Many outside the community have experienced shocking fees, excellent service and mixed reviews about what they actually do.  For this article I would like to Read more…

By Frugal Local, 4 weeks1 month ago
General Finances

How to get a home loan – the process

Why would I want a home loan? Not everyone can afford to buy property cash.  Some of us need some help by getting a loan from a bank. Other people want to help the bank finance an investment property. If you’re looking to get a loan from a bank, then Read more…

By Frugal Local, 2 months2 months ago
General Finances

Overcoming negativity – money, relationships and politics

Compound negativity Have you noticed how many people want to either leave the county, leave a relationship, leave an investment or just leave life recently?  Negativity is not unfounded. With the political landscape, economic climate, relationship issues that people have it’s understandable that life can be hard.  It is similar Read more…

By Frugal Local, 2 months3 months ago
General Finances

Frugal foodie – cheap, quick meals for you and your family

Get that lazy meal plan going! Do you have a meal plan? Did you know that a meal plan will not only save you money, but also simplify your life to focus on things that are actually important? As absurd as this might sound, it’s true! Imagine the free time Read more…

By Frugal Local, 3 months4 months ago
Frugal Living

Lifestyle creep – how do I lower my expenses ?

Lifestyle inflation and lifestyle creep The other day I had a chat with a friend. He told me he needed a bigger house, as the 2 bedroom home isn’t big enough for him, his wife and the baby. Being Frugal, I started asking questions about wants and needs: Do you Read more…

By Frugal Local, 3 months4 months ago
Debt

What to do when getting retrenched

Losing your job and getting retrenched Its not easy when you stare retrenchment or the loss of your income in the face.  It was there – 40+ hours a week, and now it’s gone. Though it’s hard to stay positive in such times, I want to encourage you that you Read more…

By Frugal Local, 4 months5 months ago
Budget

Creating a money plans – without the drama

Plan to fail or fail to plan People can make plans so complicated – especially financial plans. But it shouldn’t be. You should be able to get a one pager together to help you know where you want to go financially – and I really hope it’s not in debt! Read more…

By Frugal Local, 4 months5 months ago
General Finances

Should I buy my property in a trust, company or on my own name?

What legal entity should I buy my property into? The question of whether to buy a property into a trust, company or on your own name is one I get exceptionally often. Many people want to know what the pros and cons are, the cost-effectiveness and why people are even Read more…

By Frugal Local, 5 months5 months ago
Asset Classes

How to lower investment risk

Risk, balance and returns In which money machines/asset classes should I put my  money that will offer me the best return at the lowest risk? I get this question a lot, and there is a simple answer for it: None. 99% of cases gives higher returns with higher risk. We Read more…

By Frugal Local, 5 months5 months ago

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