You’ve probably noticed that your electricity bill is one of those expenses that can easily get out of hand. This alone is a good enough reason to save on your electricity usage (and your electricity bill).
With South Africa being an increasingly water-scarce and energy-costly country, we’re all keen to save more and waste less. So, what are the big users of water and energy? And what works to reduce usage? Here’s the latest research and advice. Follow these simple ways to save money on your utility bill.
When you’re not doing as well as you want to be financially, it’s not the lack of money that’s the problem. A lack of money is a symptom of what’s going on underneath. What’s the root cause? Bad habits are preventing you from becoming rich.
We are creatures of habit. It’s just how we are wired. We learn how to do something and if we do it a few times, it can quickly become a habit.
Here are some bad habits that are preventing you from becoming rich.
Remember getting your first credit card? Super excited as you open the envelop and think about all the things you can now get. Looking at the balance on your statement, doesn’t look so great now – right?
What would your life look like if you didn’t have any credit card payments? If you had a pile of money saved up in the bank? If you owned your stuff instead of it owning you?
I’ve got some strategies on how to pay off your credit card debt fast.
How big is yours?
What are you thinking? I’m asking how big is your paycheck is.
Now that I have your attention my next question is: what is money? It’s a question we are never asked because we think we know. But do we?
You use it every day. You die for it. You kill for it. Surely you know what it is!
With so many demands on our time, I’m sure you want Quick Ways to improve Your Finances.. We all know demands on our time is one of the biggest challenge to achieving our money goals. Set aside a few minutes to complete these small tasks that can lead to big financial results. Some of them are very quick wins, some of them may take a little bit of time – but all of them are very worthwhile.
So today I want to share some quick ways to improve your finances in the spare moments of your day. Your financial situation won’t change overnight. You’ll find yourself more knowledgeable about finances. And better at money management over time.
You may come away surprised at how much you can do by tackling your finances in 15 minutes a day.
If you can’t think reasons why you need an emergency fund, think again. No matter how prepared you are, life has a way of throwing curve balls that you never expect.
When they are things we like, we call them serendipitous, surprises, gifts…
When they are things we don’t like we call them disasters, emergencies, lessons…
Here’s a terrifying statistic.
In the developed world, it’s estimated that 63% of households could not come up with the equivalent of US$1,000, £800 pounds, R10,000, €800 in the event of a real emergency.
And in case you are sitting there thinking you have it all covered, here are some unexpected reasons to have an emergency fund.