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.

On Veggie Gardens

Have you ever planted your own veggie garden? We have had several through the years. We moved around quite a bit in the first part of our marriage, so we had to restart the process a few times. The best veggie garden we had was next to a farm house we rented - it was...

Should I belong to a Medical Aid?

If you are asking the question "Should I belong to a Medical Aid?" because you simply cannot fit the premium into your budget, let me tell you a couple of real-life stories: Story 1: A Tumble Down Some Stairs Someone I know fell down a flight of stairs at her home a...

Build wealth and give

Baby Step 7: Build wealth and give! After completing the first 6 baby steps, you will now be debt-free, with a fully funded emergency fund, you are saving 15% of your income for retirement and have started an Education Savings Plan for your children, and you have a...

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!