a fresh start

Get out of debt and create a better future

If you are in debt and don’t know where to start, 

Start Here

Let's make money less mysterious & scary

I’m not a finance person. I work in the media industry. My eyes used to glaze over whenever I ended up in a lecture about interest rates and insurance and retirement policies. yawn. And also, too freaking complicated.

But then I got my butt kicked by debt.

Money mistakes almost took me out. It kicked the wind right out of my twenties and even now in my thirties, I’m still battling to break free from the gravity of debt.

That’s why I’m on a mission to make money easier to understand (for myself and others) in plain English thank-you-very-much. I’m sick and tired of feeling powerless and seeing how debt obliterates the hope of the future for so many.

It’s time to start fresh!

Our money in numbers

The statistics don’t lie. In South Africa we have MILLIONS of people living in financial distress because we have more debt than we can afford. We don’t talk about this though because “it is not in good taste” and we have to “keep up appearances”.   Practically EVERY SECOND PERSON YOU MEET is in financial pain. Let that sink in. You are not alone! Knowledge is power.

million people with debt

%

behind on repayments

%

of income goes to debt

%

people with any savings

Recent Posts

Thoughts about money and related matters.

Personal update from me…

We are SO CLOSE to being debt-free, and looking forward to finally doing that long awaited debt-free scream. We thought we would be completely debt-free in 2016 but then a couple of Murphy's law emergencies happened and we ended up with some hospital bills and other...

Our Miracle Baby

I have to apologise for not blogging much during 2014 - here is my reason: God did a miracle for us! After eight years of marriage and five years of trying for a baby, our daughter was born in January of this year. We could not be happier! Best of all, we were able to...

Loyalty Programmes for Cash Buyers

The only plastic you will ever find in my wallet these days: Loyalty Cards for Cash Purchases. South Africa lags behind the USA on worthwhile coupon or consumer rewards programmes that does not involve signing up for credit, but there have been some new developments...

Debt Free Screams

It is surprisingly powerful to see others arrive on the other side of their debt-mountains. Debt free screams on the Dave Ramsey show is what sparked hope in me for the first time in years. If they can do it, maybe I can do it too. This one is one of my all-time favourites.

“It’s your positivity that got me. If I heard just Dollars and Debt, I would’ve just kept flipping the channels.”

Dave Ramsey’s 7 Baby Steps

1. R10,000 Starter Emergency Fund

2. Pay off all debt using the Debt Snowball

3. 3 to 6 months of expenses in savings

4. Invest 15% of household income into retirement

5. College fund for children

6. Pay off home early

7. Build wealth and give!