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.
Make it big: I can't give you a sure-fire formula for success, but I can give you a formula for failure: try to please everybody all the time. Herbert B Swope.
Make it big: The whole secret of a successful life is to find out what is one's destiny to do, and then do it. Henry Ford.
Make it big: Never was anything great achieved without danger. Niccolo Machiavelli.
Make it big: Continuous learning is the minimum requirement for success in any field. Dennis Waitley.
Make it big: Accept responsibility for your life. Know that it is you who will get you where you want to go, no one else. Les Brown.
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.
Business Tip: Don't wait until you've officially started your business before getting clients or customers; our business can't survive without them.
Business Tip: Start your business while you are still employed. This means money in your pocket while you're going through the start-up process.
Business Tip: Set your launch date within a buffer zone. Plan to be ready at least 10 days before you need to actually launch and avoid unnecessary strain.
Business Tip: Unless your family members have the money to lose, don’t borrow from their retirement or savings. If you lose their money, it will haunt you.
Business Tip: Owning a business is not for the weak in spirit. You need a strong mind and heart to face the day-in and day-out work.
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.
Stokvel Tip: The conditions for withdrawing any amount from the stokvel must be clearly stated in the constitution to prevent confusion.
Stokvel Tip: Write down all necessary procedures and rules in the stokvel constitution, as well as guiding principles to impart good morales and values.
Stokvel Tip: Charging penalties for late contributions will help enforce accountability in a stokvel. Such consequences must be in the stokvel constitution.
Stokvel Tip: Aside from trust, accountability is also a major component of a successful stokvel. Enforcing accountability through a constitution is vital.
Stokvel Tip: A stokvel constitution must have an executive of at least one chairperson, a secretary and a treasurer. They have the signing power with the banks.
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.
Save Money: Eat breakfast. Eating a healthy breakfast fills you up with energy for the day while also curbing your desire for a big, expensive lunch.
Save Money: When you pick up an item and add it to your trolley, stop for 10 seconds, ask yourself why you're buying it, and whether you actually need it.
Save Money: Get crafty, and make your own gifts and cards at home instead of buying them. Take a look online to find craft ideas.
Save Money: If you're paying a monthly fee for your bank account, research what other banking offers are available. You might find a better option.
Save Money: Be a savvy shopper. If you really need something new, check out the sale racks at different stores first. Try to never buy an item at full price.
