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Hello you, Today I look back to financial mistakes I made and also to lessons I have learned over the years. I would like others in their 20s to know the following: You need to get a payslip (payslip) from your employee Believe me there are people who don't get payslips and it's dangerous! You need to get a payslip because you (and your employer) must give a small amount to the state, for Unemployment Insurance Fund (UIF). You (and your employer) can get in trouble if you don't pay UIF. On your payslip, it will also tell if you will get additional deductions, and you will get information like how many leave days you have for the year. The payslip is proof of what you pay each month. You never get your full salary out Apart from paying UIF, PAYE (Pay As You Earn) will also be deducted from your salary and will go to the state. Some employers also deduct an amount for medical aid or retirement annuity fund. Of course, you need to ask in advance about these things (medical aid...

First, I want to say that each one's path is different and unique; what worked for me might not work for you. But by telling my story, it may benefit someone's life. I was informed on February 14 this year that I was retrench. No, I never celebrate Valentine's Day, so I wasn't really bloody over it on this particular day. It did happen a day after my girlfriend, Leolynn Smith died in a car accident (on February 13). Before I talk about my retrenchment, allow me to tell how my girlfriend's death also had an impact on the situation ... I was devastated by her death. And when the retrenchment announcement happened, I just wanted the weeks to fly - let's just go! HER ROLE IN MY LIFE Leolynn's death reminded me of my first retrenchment at another employer - in Cape Town in 2011. I was informed at the end of September about a retrenchment and October 2011 happened. In February 2012 I started work at Port Elizabeth. This is where I met Leolynn. For those of you who...

This is an open letter to my friends and family. I feel like I'm the bad guy. The antogonist in a movie. The strict teacher with the bar. Really, but I do this because I feel it is important. I want you to understand if I ask you the following: Don't ask my child to sit on your lap or kiss you. No! Basta! It makes me feel uncomfortable. WHY THE DRAMA Last week, a six-year-old girl was in a restaurant in Pretoria, South Africa apparently raped by a stranger. It was sad and terribly affected. This week: A ten-year-old girl (I think I heard ten years old) was missing somewhere in Johannesburg after his shop was closed on a Wednesday and Friday her body was found somewhere dead. It's so sad. I think of their families. I think of every family who had to go through something like this. Some of the children who overcome the stuff do not know their offender and then there are some offenders who are relatives or friends. Recently I read on Twitter people's stories on the hashtag...

I've been thinking about this for some time now; How do I save money for my child's future? First, do I think: should I save for her first school year or for her university fees? Either way, it's quite an intense story - well, anything to do with money is an intense story. That's when you don't plan to spend it. Set a goal Early this year was one of my New Year's intentions to save a certain amount each month for my little one's future. It was quite a challenge when I was retrenched in March. A few months later I could make up for it when I started doing freelance work. When setting a goal, you often remind yourself of what needs to be done. It's so easy to get rid of the road - you can use your money for several things, but if you have a goal, you first pay to achieve your goal. How now when it comes to savings? I started saving money in a tax-free account from my personal bank account. Did you know that you can save R33,000 a year every year until you ...

It's easier to cling to debt rather than paying it off. This is one of the things I learned about myself this year. For example, I finished paying my Game card and then thought: maybe I shouldn't close it. What if something happens and I need it - what if I need it in the future to buy food there? This is the same for one of my clothing accounts. I think: was I going to need it someday? I started documenting my personal finances on my blog last year because I wanted to get rid of all my debts. I was done because I regularly received calls from call centers, people asking "when do you pay this or that?" It is quite stressful if you get such calls. What makes it stressful is that you live every month from the hand to the mouth and think: how am I going to get out that month? I realized I had to make a plan to change my situation. MY GOAL My goal was to pay off all my credit card debt. I managed it by September this year. I realized in September that it would be a good i...

Wow, you! I've had to write this blog post a long time ago, but life has sung another tune with me. First, my two-year-old girl was ill for three weeks (almost four weeks) long since late September and that's why I published fewer blog posts here. During this time, friends had compassion on us. It was great to hear people wanting to help us - we are very grateful for that. Just about my family living in other provinces - we are in Gauteng - our village is small. You probably know the phrase "it takes a village to raise a child" (it takes a community to raise a child)? That's what I'm referring to when I speak of village. Princess only came to an end at the end of October and yes, that's it. Anyway, I wanted to tell you about Daily Dish For You. It's an online service - you order a box of food of your choice, then send you the recipes and the ingredients. We took the Pork Free (pork-free) option and got four recipes with the ingredients for the week (in...

If there is one person I always want to make happy, this is my toddler. Weekends are a bit of a challenge because we don't always have play dates with other children. And you know, toddlers always get bored very quickly. So I sometimes try in a way to keep my Princess busy with some activity; It's now she doesn't insist on watching Peppa Pig or dinosaurs on television. When we were invited to the first exhibition of the Fairy Tale Adventures, I was very happy. We went there last Saturday. The event took place in Lyttelton, Centurion, Gauteng. Here is a list of things we enjoyed at the Fairy Tale Adventures: To see fairy tale characters in living bodies is an experience. I think I was more excited than my daughter about this. For example, we met Moana and the Frozen sisters, Anna and Elsa. Children were busy with activities. For example, you have seen children painted with paint and making beads. My little one decorated her own cupcake, with the help of one of the princesses...

My husband and I celebrate our fifth wedding anniversary on December 14, 2018. How do they say: you (and your partner) should eat seven bags of salt or something. One thing I realized is that almost every day I learn something new about my husband. Really! And nowadays I watch a YouTube video where actor Will Smith says he saw someone when he and his wife, Jada, were married for 17 years. And the man said unto him, Ye know nothing yet. Nevertheless, here are five things I learned from my marriage: Don't assume (Don't make assumptions), especially when it comes to doing homework. Don't think about your partner and don't think he or she can read your mind. Some of his (or mine) decisions may be based on his background / how he grew up / his history. Communication is very important. You will always learn something new about your husband (or wife) - whether it's his past or a new thing in his (or her) life. It's important to look after yourself (to take a break) and...

It is such a nice feeling if you have money when something unexpected emerges. I think today in November when my toddler's teacher told me she needs things for her school concert. I didn't think we'd be at the concert because my toddler was sick at home for almost a month. The week she returned to school, we were told the concert would happen. I then had to buy small things like a white t-shirt and blue pants - all for my toddler. For the first time, I didn't feel overwhelming or sad because there was no concern about "how am I going to pay for it?" The previous year I felt the pain of "how am I going to pay for it" and I wanted to cry. Really, it's just a very sad feeling you get if you only have enough money to pay certain accounts. It is very sad if you find yourself in the question "how will I go through this month?" Money is not everything, but not enough can make you unhappy. Of course, it's also about your financial decisions...

Usually this time of year you look back and think of all your sins, your failures and things that have worked out for you. One usually feels this time of year that you chewed hard bones and that the year was not yours. Is it so - or is it not me? I have felt many times "this year was not for me". I lost my job, lost one of my best friends at death, lost one of my cousins ​​in an accident, had to go through unemployment for a few months, had to make hard decisions ... But, I'm not going to talk about my year anymore no. GOOD THINGS Through the period of my unemployment, I have seen people who I barely know care about me. For example, people who are blogging friends who have had mercy on me and would like to help in my situation. I am very happy for God about this, that there are people with good hearts. Also during the time I was unemployed, I was invited to a television interview to talk about my blog. It was a highlight of my year. I never thought I'd speak to the ca...