Investing basics: risk, return, time and diversification
A beginner's guide to saving versus investing, risk and return, time horizons, diversification, compounding, fees and questions to ask before investing.
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Author: denzilo@gmail.com
Ways to earn more money: realistic options, trade-offs and scam red flags
Realistic ways to increase income, how to test an opportunity, what costs and trade-offs to count, and the warning signs of fast-money scams.
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Everyday banking in South Africa: fees, accounts and questions to ask
What to compare in a South African bank account—from real transaction fees and cash access to support, debit orders and everyday security.
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Debt and credit: what to understand before you borrow
A plain-language guide to interest, fees, total repayment cost, affordability and the questions to ask before taking on debt or using credit.
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How to build a simple budget you can actually use
A practical, non-judgmental way to build a budget from real income and expenses, prepare for irregular costs and adjust the plan when life changes.
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Money basics: 7 ideas that make everything else easier
Seven beginner-friendly ideas—income, expenses, cash flow, assets, liabilities, saving and compounding—that make everyday money decisions easier to understand.
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