Make it big: If A is a success in life, then A equals X plus Y plus Z. Work is X; Y is play; and Z is keeping your mouth shut. Albert Einstein.
Make it big: The worst part of success is trying to find someone who is happy for you. Bette Midler.
Make it big: It is better to fail in originality than to succeed in imitation. Herman Melville.
Business Tip: You may have a great talent for something, but if people aren't willing to pay you for the product or service, it won't work as a business.
Business Tip: Everything about you, and the way you do business, needs to let people know that you are a professional running a serious business.
Business Tip: When you're starting a business, you need to become an expert on your industry, products and services if you're not already.
Stokvel Tip: Whenever possible, make use of cellphone and Internet banking to limit your trips to the ATM, which can expose you to criminals.
Stokvel Tip: At a time of spiralling debt, making smart use of stokvels to pay off personal debt and free up cash flow is a wise path to financial freedom.
Stokvel Tip: The exit requirements of the stokvel – such as the date, and the amounts payable or owed to the stokvel – are a necessity and must be written down.
Save Money: If you're going on holiday, plan and budget very carefully. Research in advance the cheapest restaurants and activities, and don't spend on impulse.
Save Money: Instead of buying textbooks or books for leisure, first check if your local library has them, so you can read them for free.
Save Money: See if you can consolidate all of your debt into one loan, to save on service fees and interest.