Debt
Make it big: I have not failed. I've just found 10 000 ways that won't work. Thomas Edison.
Make it big: If hard work is the key to success, most people would rather pick the lock. Claude McDonald.
Make it big: I never took a day off in my twenties. Not one. Bill Gates.
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.
Business Tip: If you want to start a business without a lot of money, either try to increase your capital from outside sources, or reduce your needs and costs.
Business Tip: Know where your customers spend time online. You don’t have to be everywhere, just where your customers are. Communicate with them there.
Stokvel Tip: Keep the number of stokvel meetings to a level to ensure all members are aware of what's expected of them and what the status of the stokvel is.
Stokvel Tip: The benefits of contributing to a stokvel can give you a psychological boost by making you feel less worried and anxious.
Stokvel Tip: It is important to hold members to the standards of the stokvel, especially when amounts are loaned from the stokvel, as fraud can occur.
Save Money: Depending on the type of loans you have, it could be worthwhile to consolidate your student loans into one low-rate package.
Save Money: Go through your cellphone bill, look for services you don't use, and ditch them. You could even switch to a cheaper network.
Save Money: If you live near anyone you work with, you might both be able to benefit by carpooling to work.