Who is watching your back?

January 27, 2024 Melanie Hawken

by Eldari Visser

I have a great view of the troupe. The monkeys are merrily playing and eating along the forestry. I move my binocular view over them, checking out the little ones playing and the moms keeping a watchful eye. Then I am met eye to eye with a big daddy. He is staring directly at me, gosh, it seems like he is literally on top of me! I yank the binoculars away from my eyes to get a normal view. He is definitely at a distance, far from me, yet he is dead focused on me. A chill runs down my spine. How does he know? Surely he cannot see this far?

Marketing that works

July 1, 2023 Melanie Hawken

by Kathryn Main

Marketing is the planning and action of promotional activities that result in the selling of products or services. Your marketing strategy is the road map you will use on a day-to-day basis to let potential customers know that your business exists. Marketing messages should be tailored to your customers and highlight the problem that you solve for them in a concise and effective manner. Marketing efforts are normally campaign-driven and should take your potential customers on a journey with your business.

Two Types of Funding. Which option is best for you?

June 4, 2023 Melanie Hawken

by Ronel Jooste

Funding refers to the financial resources that are available to support a particular project or endeavor. It can take many forms, such as loans, grants, investments, or other forms of financial support. Funding is often necessary to start or grow a business, for research and development, or to launch new products or services. The type of funding that is chosen can have a significant impact on the success and viability of the project, so it's important to carefully consider the options and choose the one that best fits the needs and goals of the business or individual. Equity funding and Debt funding are two primary types of funding that business owners can use to raise capital.

Is a Nocturnal Work Style Good For You? Here are 5 reasons why it’s not so bad - or is it?

April 15, 2023 Melanie Hawken

by Eldari Visser

I recently read an article with a lengthy discussion about people that are early risers and the positivity around that. Early birdies and worms. How a person can get lots more done in the early hours of the morning and that it is good for your body, soul and mind to jump up, get some sunshine at the early stage of the sunrise in the morning, feeling fresh and get so much more done. Right!

Flowing Green Hills of Opportunity

March 5, 2023 Melanie Hawken

by Eldari Visser

Which hill is the new successful opportunity for growing a business, or beginning a business? Can you tell? Last year for our holiday we had the opportunity to go to a very different area in wonderful, beautiful South Africa. We went more towards the steep mountains of an area that we call the Free State province - a different environment for a holiday. Usually lots of activities needed. Do yourself a favour and Google #Goldengatenationalpark, #clarens #Drakensbergmountainrange #Harrismith and #sterkfonteindam. You will quickly see the different green hills, steady rolling hills, massive rock faces, massive amount of waterfalls and water catchment area. The mountains are majestic and fierce, gorgeous yet frightening. Most impressive was the greens on all the hills. They looked idyllic and part of a greater story. I immediately saw a theme for our lionesses emerging from this beautiful scenery that surrounded me.

How the Work-from-Home Culture Impacts Your Tax Return

February 26, 2023 Melanie Hawken

by Kathryn Main

The shift to a work-from-home culture due to the pandemic has brought up new questions about taxes, expenses, and deductions. In this article, we'll explore how the new work environment affects your tax return and what you need to know to stay on top of your taxes.

Creating Money Savvy Kids for the future

January 14, 2023 Melanie Hawken

by Kathryn Main

Ask any child what they want to be when they grow up and you will hear things like; “I want to be a doctor”, “I want to be a pilot”, “I want to travel the world” or “I want to save the whales”, but dreams cost money and if dreams cost money why are we teaching our children to live the life of their means and not live the life of their dreams? Financial freedom starts with financial education!

Why you need to set up an emergency saving fund

September 11, 2022 Melanie Hawken

by Kathryn Main

The term “emergency fund” refers to money put away that people can use in times of financial distress. The purpose of the emergency fund is to improve financial security by creating a safety net to help cover unforeseeable, high-cost expenses which, in its absence, could have catastrophic effects on your financial situation.

Why you need to relook your budgets TODAY!

July 22, 2022 Melanie Hawken

by Kathryn Main

If you are a working person in South Africa right now you are feeling the pinch of the 3 interest rate increases, the 7 petrol price increases, the Eskom increase of 9.61%, all your annual subscriptions have gone up the average 10%. Suddenly you have less disposable income. This tells me 1 thing. Your expenses have gone up and your income has remained the same.

Don’t Mix Business and Pleasure

February 26, 2022 Melanie Hawken

by Sylvia Walker

Whether you’re starting a new business, or on your way to success, managing the money aspect can be tough. In the early stages, you are the business and lines are easily blurred between your personal and business finances. You may find yourself paying for business expenses from your personal bank account, or maybe buy some groceries or other personal items, and charging it to the business.

Why Do We Buy So Much?

February 19, 2022 Melanie Hawken

by Marjon Meyer

The psychology of spending money…Do you sometimes fill a virtual or a real trolley of goods to deal with a hole in your soul? Making purchasing decisions can help reinforce a sense of personal control over our environment. It can also ease feelings of sadness. A study from the Journal of Consumer Psychology found that retail therapy not only makes people happier immediately, but it can also fight lingering sadness. The problem is, we spend money we don’t have on things we don’t need …(often to impress people we don’t like).

Kicking Pebbles Around

February 12, 2022 Melanie Hawken

by Eldari Visser

This time of the year is when writers like to look back and reminisce on the year just gone and to get new ideas. Let’s get it clear - this past year was like flat green cold tea! Yuck. We can all do with something new.

Invest For a Purpose

January 8, 2022 Melanie Hawken

by Ronel Jooste

Investing certainly has multiple benefits: create wealth for yourself and your family, create financial security, prepare for unforeseen circumstances, and create passive income streams. Making investments even more attractive, is when not only you benefit but you can invest for a bigger purpose; when your investment can contribute to making South Africa a better country for everybody, when other people and the economy can benefit too. These types of investments are growing in popularity, and you can choose something that you can relate to.

Investing in Yourself

November 6, 2021 Melanie Hawken

by Thembe Khumalo

What comes to mind when you think about investing in yourself? Is it items that require serious expenditure, like an additional tertiary qualification, a new computer or a trip to an out-of-town conference? Or do you think about simpler things like a scented hand cream, a series of therapy sessions or a short online course? Whichever category your idea of investment is in, investing in ourself means you are foregoing other things to create value for yourself - and usually in a way that will enable you to learn, grow and improve your output.

How to Get Money Savvy - Tip 6: Goal Setting

October 29, 2021 Melanie Hawken

by Kathryn Main

The first time I set a financial goal was when I was 32 years old. It was a skill I needed to learn. I needed to formulate a plan to achieve my goals and I can honestly say that goal setting was one of the biggest drivers in changing my financial situation. I still set goals for myself each year because goal setting gives meaning and direction. Setting financial goals helps us focus on our finances.

How to Get Money Savvy – Tip 5: Understanding What You Value

September 11, 2021 Melanie Hawken

by Kathryn Main

The first time I ever did a value exercise I was 38 years old. It was an interesting experience because I had no idea what I valued in life or in my financial life. My top value at the time was family. What was scary was I was not living up to my core value in any way, shape, or form.

How to Get Money Savvy - Tip 4: Set Up an Emergency Saving Account

August 28, 2021 Melanie Hawken

by Kathryn Main

South Africa is a buy-now, pay-later society. The effects on young people’s financial literacy are thus characterized by the same behaviour patterns as parents and society. These are high credit and high consumer behaviour with very little savings, and in turn high social risk behaviour. Money Savvy is working to change this disastrous pattern.

Where do I fit in?

August 8, 2021 Melanie Hawken

by Eldari Visser

Many a business woman struggles with self-talk that can be very negative! This is only going to make you give up on your dreams to early. The exact same happens with our finances and our investments. We see a bunch of figures and notifications of investment growth or no growth and nothing looks good. Even worse, your neighbour and her business is flourishing. All around you it seems chaotic! People all trying to get to the top, struggles to be first and now to conquer our new world first!

What is around the corner?

July 15, 2021 Melanie Hawken

by Eldari Visser

Many of us long to take long walks in nature, go for hikes or even take a guided tour. Excitement is part of the little voice of fear deep inside of you. Nevertheless, off we go! This year kicked off, planning done, new projects to focus on, and lessons learned during the Covid pandemic embedded in our memories. Never will we forget the empty streets, the locked up feeling, and the great tears that we had for loved ones and many others who lost their lives. If only somebody could just have helped us all sooner!

How to Get Money Savvy – Step 2: Snakes & Ladders

May 29, 2021 Melanie Hawken

by Kathryn Main

Life is like a game of snakes and ladders. You never know what the next roll of the dice is going to give you. It could be a snake (threat) that could cause you to regress in your financial life. Or it could be a ladder (opportunity) to take you to the next financial level of success.

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