Money Management

Don’t get weighed down by debt—it adds pressure! The less you borrow, the less you will need to pay back, and the better your cash flow will be. “The earnings of the godly enhance their lives, but evil people squander their money on sin.” (Proverbs 10:16) 10 Tips to Help You Spend Less… Instead of…

It is important to save and invest part of your income if you want to attain financial freedom.   Many people are poor savers, and statistics show that most working-class people are getting deeper into debt. As debts climb, it becomes even more difficult to start savings. So, Why Don’t People Save? Many will tell you…

There are two ways to improve your cash flow.  Either… or  To build up your wealth portfolio, you must build margin into your budget and…   “The wise have wealth and luxury, but fools spend whatever they get.” (Proverbs 21:20) “Whoever gathers money little by little makes it grow.” (Proverbs 13:11)

If you want to build towards financial freedom, you need to build up a wealth portfolio. Your wealth portfolio is simply your financial net worth.  Do you know what your net worth is? To work out what your net worth is or what your wealth portfolio is currently valued at, all you need to do…

No matter the setback, God can position you for a comeback.No matter your mess, God can turn it into a message.No matter the test, God can turn it into a testimony.  To set yourself up for a comeback after a series of setbacks, you need to… “I sought the Lord, and he answered me; he delivered me from…

“Where there is no vision, the people perish.” (Proverb 29:18) “The rich rule over the poor, and the borrower is slave to the lender.” (Proverbs 22:7) “Honor the Lord with your wealth and with the best part of everything you produce. Then he will fill your barns with grain, and your vats will overflow with good wine.”…

It’s so easy to make poor financial decisions. I want to encourage you to be wise with your money management.  Stick to your budget.  Avoid taking on unnecessary debt.  Think twice before you spend.  Don’t overspend.  “The wise are cautious and avoid danger; fools plunge ahead with reckless confidence.” (Proverbs 14:16) “The prudent see danger…

From time to time, it is essential to REVIEW your goals and RESET your plans. Review:  What is working?  What is not working?  Where are you winning? And losing?  Are there any things that are sabotaging your goals?  Reorganize: What needs to change?  Do you need to switch the order in which you spend your…

Spring has finally arrived in Cape Town. I love this season. It is when things start to warm up, and everything seems to be a little brighter. Last week, I took a walk in my garden, and I noticed a few trees that were barren over the winter months and now have new green shoots…

Many cannot wait until they can retire.  Do you dream of one day being financially free and enjoying life without the need to work?  Imagine your retirement if you have built up enough money to enjoy your golden years… But the sad reality is that many people are not able to retire financially secure. Most…

You cannot go through life without God.  He is the source of life.  He is our provider.  Look to God.  Rely on Him.  Live to please Him.  Make him your King. “When the king smiles, there is life; his favor refreshes like a spring rain.” (Proverbs 16:15) You cannot go through life without God. He…

How old are you today? How long have you been working? How many salaries or paycheques have you received during your working career? How much have you earned over your working career? How much have you earned during this time? Now, I have one more question for you… How much of the income you have…

I have met many people with good intentions to start saving and investing, but they always had an excuse for not saving.  Even with good intentions to save, many don’t follow through on this goal.  There always seems to be another temptation or expense that steals the money that was supposed to be allocated to…

Work is a gift from God. Work is not just a means of earning a living; it is a gift from God. Therefore, it’s crucial to find joy and satisfaction in your work. “Even so, I have noticed one thing, at least, that is good. It is good for people to eat, drink, and enjoy…

Life is filled with choices.  BAD choices usually lead to failure and long-term frustration, but GOOD GODLY decisions typically lead to a fruitful outcome.  I want to encourage you to make wise choices. “A wise person chooses the right road; a fool takes the wrong one.” (Ecclesiastes 10:2) You won’t reach your expected destination if…

Don’t put your trust in money. Put your trust in God. Let God be your source and the center of your life. God wants you to be fruitful.  “Trust in your money and down you go! But the godly flourish like leaves in spring.” (Proverbs 11:28) And don’t think that money will make you happy….

Regardless of your past financial decisions and lifestyle choices, it’s never too late to guide your children toward making Godly life choices and good financial decisions. As a parent, you have the power to shape your children’s future.  Start today and set them on the path to a godly and successful life.  “Train up a…

When it comes to money and most areas of life, we often excel at starting things but struggle to follow through. I urge you to start, commit, and follow through with your plans. I encourage you to stick to your plans, persist, and follow through. When it comes to your money management, you need to…

We live in a world that has become self-obsessed and selfish. The Bible even warns us that this will signify the end times. “But mark this: There will be terrible times in the last days. People will be lovers of themselves, lovers of money, boastful, proud, abusive, disobedient to their parents, ungrateful, unholy, without love, unforgiving, slanderous, without self-control, brutal, not…

A spender is someone who enjoys spending money, even on unnecessary items. Spenders usually have a short time horizon.  A saver is more careful with their money and tends to invest and build up savings for the future.   I want to encourage you to SAVE BEFORE YOU SPEND. “The wise man saves for the future.”…

We all need to make important financial decisions from time to time. The decisions we make can either propel us forward or break us. I want to encourage you to plan carefully, consider your options, weigh the pros and cons, and, above all, get advice. Get Advice. “Where there is no guidance, a people falls,…