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.
Make it big: It's not about ideas; it's about making ideas happen. Scott Belsky.
Make it big: If you're passionate about something and you work hard, then I think you will be successful. Pierre Omidyar.
Make it big: The only time you fail is when you fall down and stay down. Stephen Richards.
Make it big: Success does not consist in never making mistakes, but in never making the same one a second time. George Bernard Shaw.
Make it big: Our greatest fear should not be of failure, but of succeeding at things in life that don't really matter. Francis Chan.
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 a thermal flask to keep some of your boiled water at a heated temperature in the colder days to avoid reheating the kettle over and over again.
Save Money: Always read the fine print when opening an account or taking out a new policy. Make sure you know about any added service charges or interest.
Save Money: Don't overspend when you get paid. The want to splurge when you have an influx of cash can leave you high and dry halfway through the month.
Save Money: Declutter rooms in your home to find items to sell. Also, throw away, or make a habit of using as opposed to buying more of the same things.
Save Money: When you go out for a meal, order a glass of water instead of a drink. Drinks can be very expensive at restaurants, and can really add to your bill.
Save Money: Learn to say 'no' to your friends and family when they invite you out to restaurants, if you can't afford it. Offer to cook for them instead.
Save Money: Avoid going to shopping malls when you know you're strapped for cash. You'll be too tempted to spend and splurge.
Save Money: Cancel any unused membership cards that have fees which build up over time.
