Certainly! Let’s go through the process of creating a budget and some tips on how to stick to it: Now, let’s explore some tips on how to stick to your budget: Remember, sticking to a budget takes time and practice. Be patient with yourself and embrace any challenges as opportunities for growth. With persistence, you will develop the discipline and habits needed to successfully manage your finances. If you have any specific questions or need further assistance, feel free to ask! The post Create a budget and how to stick to it appeared first on Life & Mo ..read more

Most of you know that July is the National Savings Month in South Africa, most South Africans do not have any savings for retirement even on a rainy day. I was one of those people who lived without a budget and on paycheck to paycheck because I relied on my credit card to cover me until the next pay day. Something had to change in my life because I was tired of paying installments every month to nearly 10 accounts. I closed most of the consumer debt accounts and remained with my credit card. Even though I had the credit card only I still misused it and could not pay it off at month end. It is ..read more

This popped into my head because I just received a pay increase and I was just wondering How to Avoid Lifestyle Creep when you get a pay raise. I asked on my Instagram Story and got some interesting answers. When you get a pay raise automatically you would feel like splurging and spoil yourself, I am so guilty of that. This year I decided to live in the same income bracket and not increase my expenses to save more. How to Avoid Lifestyle Creep when you get a pay raise. Take the extra money and save it and continue to live on your precious salary. Revisit your budget and bank account and goals ..read more

At the beginning of the month, made a decision to take part in the Frugal February challenge the decision was brought on because I wanted to recover from a very reckless festive season in December here are the 5 Things learned from Frugal February. 5 Things learned from Frugal February Self-Aware Spending Got intentional with how and when I was spending money. Stop spending because I had money or spare change. Cooked at Home This was a no-brainer because spent a lot of money on takeaway food on weekends and my excuse was always I am tired. Looked through the bank statements the amount spent on ..read more

When I started doing these challenges several years back I failed dismally because I was comparing my starting journey to people who have mastered How to Successfully Complete Savings Challenges. It was until I let go of the comparison and learn more about personal finance I was able to focus on my journey fully, I wasable to complete the savings challenge. I am going to share with you key points that worked for me: Pay Yourself First It does not matter how much you earn every little bit adds up in the end. When you receive your paycheck decide how much you want to save every month and save it ..read more

As most of you know I am always looking for products that will deliver what they promise for my extremely dry skin. Today I bring you New Bio-Oil Body Lotion Review. A few weeks ago, I had the pleasure to receive a press drop from Bio-Oil to test and try out. Before receiving the package, I was not aware that Bio-Oil has a body lotion. ABOUT THE PRODUCT Let’s get to the core of the product; the new Bio-Oil Body Lotion is: ·         Certified Natural and GMO-Free. ·         Fragrance and Colourant Free ..read more

We find ourselves back at Level 4 of Lockdown due to the rising numbers of Covid 19. Companies were urged to let their staff work from home. Here are some tips on how to make working from Home a pleasure with Bang & Olufsen. Working from home has moved from an occasional occurrence to an everyday expectation. Embrace the potential for flexibility and reduce challenges by creating a home office space that supports and nourishes you. Home Office Ideas So much of our home life is now digital that it can be tempting to keep your workspace fluid.  This has its positives, especially if you ..read more

We give our power away to our spouses, children, extended families, friends, and more and we are left with nothing.  This drains our cups and leaves us burnt out. I realised this decided to take action and change this in my life so that is why I am sharing with you things I am working on to fill my cup. In life we tend to give up so much of our power away, most of the time we are unaware that we are doing so. We tend to give so much away that in turn, it leaves us burned out playing different roles in the modern world.  Things I am working on to Fill My Cup Self Care I took a momcati ..read more

Are you ready for Cape Town to come alive with Bang & Olufsen on the new Design Trail? It’s high time to explore the Mother City’s world-renowned and ever-dynamic creative community! Bang & Olufsen is putting its best foot forward this June and inviting you to step out on the inaugural Cape Town Design Trail from 1-30 June 2021. The new trail gives participants one-on-one access to the incredible Bang & Olufsen showroom while raising the bar for the industry and involving the city as a whole. Not-to-be-missed, the trail is presented by the Decorex Africa portfolio and is the first ..read more

Recently I decided to have a momcation (yes it’s a thing) because I was feeling burned out at work and home. Booked me into a place not far from my place. Hence that is why I am bringing you City Lodge Hotel Newtown Review. At the end of April, I took a getaway all by myself to take a break from parenting. It can be exhausting to play referee between a tween and a toddler. I started saving for a vacation last year hoping that this year I would be able to travel again but travelling still has its restrictions so I decided to explore my backyard. I booked my stay at City Lodge Hotel Newtown via ..read more