A Year in Review

With a New Year comes New Year’s resolutions. They are often well documented with a determination that THIS year will be different. This year, you will stick to your resolutions and that this year you will achieve your goals … But life happens and often by mid-year you have forgotten all your resolutions. So, before you set new resolutions, hoping to achieve them this year, let’s reflect on 2021, what has and has not worked and in so doing, set yourself up for growth in 2022. New Year’s resolutions are often lofty ideas or even ideals and have less to […]

Wrapping Up and Moving Forward with Strength and Peace

With the early start to a New Year, many have dutifully set goals and planned for the year, including myself. Sometimes, in an effort to move forward, we forget to resolve the past. As we lurch forward into the new year, we may have a foot stuck in some quicksand from the past. How can we step into 2022 on solid ground, free to leave 2021 in the past? Start with what’s “left over” from 2021. There may be tasks or projects on a “to do” list that needed to be completed, dumped, or delegated. Discern what they are before […]

Ten deposits that will enrich your relationships

We love deposits. Every time your paycheck lands in your bank account, you undoubtedly feel a bit of excitement, or maybe even relief. Whenever you receive an unexpected gift, or a bonus, that extra deposit puts a smile on your face (and might even send you on an unexpected shopping spree). And the more deposits you make into your retirement account, the more it compounds over time. But money isn’t the only area deposits make a difference. Relational deposits are equally powerful…even more so. When we make deposits into our relationships—whether at home, at work, in community, or among friends—we […]

Reflecting on 2021 and what we can expect for 2022.

“In the midst of chaos, there is also opportunity”― Sun-Tzu Since the start of Covid, chaos and uncertainly has become part of our lives. Some might argue that chaos existed before then, but the waves of Covid have made uncertainty an everyday reality. Unfortunately our investments have not been spared by the impact of uncertainly and therein lie the opportunities. Below is the one year returns as supplied by Ninety One. South Africa equities exceeded expectations and performed close to 30% this past year, bonds and cash were more suppressed. SA Property has come off a very low base and […]

Building your business online

For many years the culture of all communication has been changing. Initially, many of us thought that the social media and digital branding space was merely a digital version of what we were doing in the real world. But it’s not. It’s more complex and nuanced than we realise. How we communicate with our family and friends has changed. And it also means that how we build our businesses has also changed. With a significant increase in businesses trying to engage more online since the global impact of COVID-19, understanding how to use social media to build a business brand […]

Don’t derail your finances

“As you slide down the bannister of life, may the splinters never point the wrong way.” Irish Blessing When everything is going right, we often feel that something is about to go horribly wrong. Sometimes, it’s helpful to smile at our human traits and do all we can to avoid derailing our plans! It’s so easy to fall into a self-sabotaging state, especially when things don’t turn out the way we’d hoped. But just because things don’t go the way we want them to doesn’t mean we need to derail everything. We can get back on track and stay on […]

Tired of being anxious about money?

Of all conversations about money, there’s a common emotion that comes up. It’s one that everyone feels alone in, that they’re the only ones to feel this, but time and time again, it appears in daily financial conversations, reminding us that we’re actually not alone. This feeling?  Anxiety. One of the reasons for this is that we grow up thinking that our adult life will look a certain way. We think we will either follow in our parents’ footsteps or are determined to avoid their mistakes and hopefully turn out considerably better.  But the reality is that no matter what […]

Avoid being overwhelmed by change

One of the biggest challenges with change is that it can be overwhelming. There are many reasons why we might be averse to constant change, but when it is just simply too much all at once, we will find ourselves overwhelmed and in this space, our ability to make healthy decisions is seriously hampered. The secret to sustainable, non-overwhelming change is to approach it with the 1% rule. This rule basically recognises that we don’t need to be twice as effective to achieve twice as much. We only need to be a little bit more effective, every single day. Improving […]

How do you measure financial success?

In a recent article from Morningstar, they raised two excellent points about measuring financial success. Like so many of us, Morningstar believes that great investing advice means understanding our hopes, dreams, and ideals to determine what really matters. It doesn’t just focus on the finish line — it focuses on the journey. Great advice can help people reach their goals. But what exactly does this look like? How do we measure financial success and reach our goals? According to the latest research, true financial success comes from two viewpoints: actual financial progress (the numbers) and financial wellbeing or empowerment (the […]

Learning leverages healthy decisions (2/3)

“I am always ready to learn, although I do not always like being taught.” Winston Churchill So often, after about 12-14 years in conventional schooling systems, all we want to do is “get out”! There are exceptional educators out there who take time and energy to nurture not only the minds of their learners but their whole well-being. They’re the ones who take note, take care and take kids seriously. But ultimately, these experiences lightly pepper our schooling years, and for most of the time, we’re taught the curriculum so that we can reach the milestones and earn a grade. […]