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.
Make it big: At the end of the day, you are solely responsible for your success and your failure. Erin Cummings.
Make it big: Success is a lousy teacher. It seduces smart people into thinking that they can't lose. Bill Gates.
Make it big: Success is a science; if you have the conditions, you get the result. Oscar Wilde.
Make it big: Patience, persistence and perspiration make an unbeatable combination for success. Napoleon Hill.
Make it big: Success is where preparation and opportunity meet. Bobby Unser.
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: 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.
Save Money: Do you have a pile of unread magazines sitting around your house? Cancel those magazine subscriptions now.
Save Money: To put your debt into terms that are easy to understand, make a giant progress bar and keep this in a place where you will see it often.
Save Money: If you have an extra bedroom or in-law suite that's not being used, try renting it out on a site like Airbnb.com.
Save Money: Avoid going to shopping centres unless you actually need to purchase something. It may be fun, but it is packed with temptation.
Save Money: If you are choosing a car to buy, go for a reliable and fuel-efficient car. It will save you thousands over the long haul.
