The first step in your financial journey is always to pay off short term debt and then to save an emergency fund. Only then can you start investing. Usually, my advice here would be to stick to well-diversified local and international Exchange Traded Funds (ETFs). Recently, however, the government retail bonds have started looking extremely …
During the lockdown, most of us have a bit of extra time on our hands. Even if all time you save is the time you would have spent on the road. You can either spend it getting rid of that wine collection you have built up over the last few years, improving your Counter Strike …
Let’s be honest, if I did not make this look like a post about the lockdown no-one would read it. With COVID-19 spreading, we are all losing money somehow. So I decided to focus on the costs that we can control: fees in our Retirement Annuity (RA). So, today I want to help you pick …
Achieving financial freedom is not about retiring, it is about sleeping well at night, knowing you can do anything your heart desires. If you want to take off a month and travel the world, you can. If you like the job you are doing, then you are not under pressure to change jobs to earn …
I recently made an investment mistake that made me feel like a complete idiot. Instead of keeping up appearances, I decided to share my experience in case you ever thought of doing something similar or can learn from it. I did my homework and thought that the probability of making some extra money was worth …
I am sharing my road to Financial Independence (FI) to help me get my shit together, or at least get you to think about where you are. The reality is that we all want to be financially independent. FI does not imply quitting your job and is not a synonym for retirement. It is the …
Let me be your guide to the wonderful world of Exchange-Traded Funds (ETFs). I have a massive backlog of mails since I took a break over the December holidays. While I was answering the mails, I noticed that my answer to 80% of the questions is simply Exchange-Traded Funds. Since there are a shit ton …
I am sharing my road to Financial Independence (FI) to help me get my shit together, or at least get you to think about where you are. The reality is that we all want to be financially independent. FI does not imply quitting your job and is not a synonym for retirement. It is the …
South Africa is one of the countries that implemented a national minimum wage. Globally, the majority of countries have some sort of minimum on the amount you can pay someone for work. Minimum wage can be implemented on a national, state or sector level. Although a minimum wage is widely adopted around the world, there …
Like all other engineers, I like data. I don’t like working towards something that has no measurable endpoint. So when I want to shed a few kilograms, I approach it like I would any other problem at work as well. I define the goal and determine how I’m going to get there. My weight loss …
