Frugal Local


Personal finances,

& Investment property

Oh, and loads of coffee.

Small Business. Money. Property.

Frugal is on a journey to discover what matters – money, property, investments and personal finance is part of my journey. And I love sharing my thoughts with you about money, property and my business. 

Why not travel with me on this journey?

Entrepreneurship & Small Business

Strategies for investing in property

Personal Finance & Money Matters

Who is Frugal?

Hello everyone, I am Frugal! And don’t let the name deceive you. I have my coffee – and many of them daily. I spend money on the things that matter to me. And if it doesn’t matter, then I don’t spend money on it. 

I quit my job in 2020, during lockdown to work for myself. In my fulltime hustle, I help small businesses and startups with consulting, mobile and web apps and simplifying their complicated journeys. I also write technical posts about small business and code on my business blog.

I have been Frugal for a few years and grow with every blog post written. I do collaborate with brands to tell a story to my followers and subscribers – one of education, growing and becoming more than what they were yesterday.

I have been investing in property for more than 10 years, blogging for 2+ years and am married to the most awesome Mrs Frugal.

Personal Finance

Start Investing

So, you want to start investing? Well, here is the perfect place for you to get going. I look into what you can invest in, the risk and ask insightful questions about retirement.

Personal Finances

If you’re looking for general articles, then here’s your starting point. Anything from ETFs to emergency funds! Oh, and of course some extra goodies about Frugal living.


You want to invest. And you have a little idea about the basics. Why not check more info on different asset classes, funds, ETFs, fees and even crypto here! 

Hustles and small business

Side Hustles

Whether you’re looking for articles on buy to rent, guesthouses and Airbnb or buy and flip – I have these articles for you! 

Technical articles

If you’re looking for articles on funding, product market fit and funding, the you might want to check out my business blog –!

General Business

I have some general business articles, including how to quit your job and becoming self-employed. I even have an article on funding here!

Property articles and courses

Property strategies

Whether you’re looking for articles on buy to rent, guesthouses and Airbnb or buy and flip – I have these articles for you! 

Property tax breaks

There are some awesome tax breaks that you can utilise to make your property investments even sweeter. These include Sections 13 sex, quin and quat.

Buying property

I did a free course for you with blog articles and Videos. Info includes, credit checks, affordability and negotiations when buying your property.

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Frugal's business

My company is called Effectify – and we’re all about making complex things simple. Whether you’re looking for a mobile or web app, we’re able to assist.

If you have any opportunities where I can assist, feel free so schedule a meeting with the link below.   

Do you have issues with managing the documents of your clients? ‘

You have a list of required documents. And your clients don’t send you everything you need. Doxie helps you manage all your documents – and it’s all in your Google Drive.

Here are some of my latest posts.

GettingMoreMoneyFromInvestments header

The factors that make your money grow

The factors that makes your money grow People will do anything to get more money in – from Ponzi schemes and get rich quick ‘opportunities’, the world is full of…

Side hustle ideas in South Africa

Where can I find some side hustles?! The interwebs are well known for cheesy Americanised side hustle ideas. Some of these include: Dropshipping – which would’ve worked if we had…
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