Make it big: Without continual growth and progress, such words as improvement, achievement, and success have no meaning. Benjamin Franklin.
Make it big: Success is not the key to happiness. Happiness is the key to success. If you love what you are doing, you will be successful. Albert Schweitzer.
Make it big: A strong, positive self-image is the best possible preparation for success. Joyce Brothers.
Make it big: Your positive action combined with positive thinking results in success. Shiv Khera.
Make it big: Success is no accident. It's hard work, perseverance, learning, sacrifice, and most of all, love of what you're doing or learning to do. Pele.
Make it big: Put your heart, mind, and soul into even your smallest acts. This is the secret of success. Swami Sivananda.
Make it big: What's money? A man is a success if he gets up in the morning and goes to bed at night, and in-between does what he wants to do. Bob Dylan.
Make it big: Successful people are always looking for opportunities to help others. Unsuccessful people are asking, 'What's in it for me?' Brian Tracy.
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.
Business Tip: Don't waste time or spend money on non-core issues when starting a business. In fact, don't spend any money until you make some.
Business Tip: Set small goals, rather than trying to start a company and instantly building your vision of what the company should be in the years to come.
Business Tip: Invest in a good loyalty program. They are used to retain customers and ensure that they come back.
Business Tip: Customer service is one of the most important aspects of the business. Strive to deliver customer service that makes a lasting impression.
Business Tip: Never forget that your business needs to take in more money than it spends. Create solutions that cost little money and spend less than you make.
Stokvel Tip: Some stokvels work in phases, such as claiming the first phase to be to reach 100 members and the second to invest the collected yearly amount.
Stokvel Tip: If a stokvel requires you to recruit members to secure a larger payout on your behalf, it is likely to be a ponzi scheme. You should avoid these.
Stokvel Tip: It pays to be vigilant! Constantly check bank statements to track the stokvel's payments and the total balance.
Stokvel Tip: Even though stokvels are largely informal, they can register with the National Stokvel Association to provide some level of legitimacy.
Stokvel Tip: Stokvels can ease economic burdens by keeping up with inflation, and members' payments can increase to keep pace with the inflation rate.
Stokvel Tip: A reasonable stokvel guideline is that should a member miss more than three months' payment, then they forfeit their end of year pay-out.
Stokvel Tip: Members do not need to sign any documents, but enforcing the rules is one of the most important guidelines.
Stokvel Tip: Stokvels succeed beyond the purpose of money; they exist to improve the lives of its members.
Save Money: Invest in a surge protector for your plugs, so that you don't risk having to replace electrical devices after a surge or electrical fault.
Save Money: If you need work done on your house, make sure you shop around and compare quotes. Also, ask about any hidden or extra fees.
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.
