Make it big: There is simply no substitute for hard work when it comes to achieving success. Heather Bresch.
Make it big: Failures – repeated failures – are finger-posts on the road to achievement. One fails forward toward success. C. S. Lewis.
Make it big: The true measure of success is how many times you can bounce back from failure. Stephen Richards.
Make it big: Self-belief and hard work will always earn you success. Virat Kohli.
Make it big: Ambition is the path to success. Persistence is the vehicle you arrive in. Bill Bradley.
Make it big: Many of life's failures are people who did not realise how close they were to success when they gave up. Thomas Edison.
Make it big: Success doesn't count unless you earn it fair and square. Michelle Obama.
Make it big: Success is getting what you want. Happiness is wanting what you get. Dale Carnegie.
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 offer the option to borrow from the group account, with a varying interest rate. This depends on the amount needed and for how long.
Stokvel Tip: The average contribution each month for a burial stokvel is R210. Investment stokvels are much higher, with amounts ranging between R300 and R500.
Stokvel Tip: The most popular stokvels are savings, burial, grocery, birthday and investment-savings groups.
Stokvel Tip: Anyone can join a stokvel. If you are able to contribute the required amount on the a regular basis and are acceptable, then you can join.
Stokvel Tip: Stokvels usually do not have any interest charged on outstanding contributions, so if you fall behind you only pay the amount you missed.
Stokvel Tip: The majority of stokvels are concentrated in Gauteng, followed by Limpopo then Kwa-Zulu Natal. Finding one in these areas is not difficult.
Stokvel Tip: Choose a day of the week that is most convenient for stokvel members to pay their contributions, typically on payday or the Monday thereafter.
Stokvel Tip: Stokvels can be a big hand up if banks won't offer you any loans, but make sure they are well-managed and pay out on time.
Save Money: The need for instant gratification is a sure way to damage your finances. To make sure you really want it, wait 30 days before buying any luxuries.
Save Money: Write down all of your expenses for one month. Then, analyse where you are wasting money, such as fast food, and try to cut back.
Save Money: Tell loved ones that you're trying to trim your spending, and you'd love it if they would offer any suggestions and support they might have.
Save Money: Instead of going out to eat at work, take your own lunch — if not every day, then at least a couple of times a week.
Save Money: If you have a regular urge to buy clothes, go through everything that you have and see what you might find.
Save Money: Use the leftovers of a previous meal as the basis for a new meal. You will be surprised at the possibilities.
Save Money: Try to find another set of parents or two that you trust, and swap nights of babysitting with them instead of having to hire a babysitter.
Save Money: Eating a healthy breakfast fills you up with energy for the day while also curbing your desire for a big, expensive lunch.
