The time may come when you can cover your monthly expenses, including your home loan, and have money left over once all the debit orders have come off.

The question is, what should you do with the excess? Should you use it to lower your mortgage debt or invest it elsewhere?

It’s a great problem to have – an embarrassment of riches! – and the answer isn’t always that clear. Read on if you’re one of the lucky ones.

Many people are put off budgeting because they think it is just about limiting what they can spend their money on. They see it as a constraint.

That’s why it’s a good idea to think about budgeting differently – not in terms of what you can’t spend on, but rather directing money towards what is most important to you.

In this article we explore the concept of “values-based budgeting” and how we can improve our spending habits by focusing on our priorities.

More and more South Africans are looking into buying property overseas – either outright or as part of a consortium.

While this can be a great source of extra income (in a foreign currency to boot) it can also be more heartache than it’s worth. And don’t assume that you can simply move the family to your foreign property if it ever comes to that. 

Read on for a basic overview of a complex topic…

While the words “rich” and “wealthy” are often used interchangeably, they should be seen as different things.

True wealth goes beyond just having money. It encapsulates living a life that focuses on all aspects of your wellbeing.

Of course, that often starts with financial security. In this article, we look at how these ideas all fit together, and why being rich should never be an end in itself.