Freeman Muswaka

Consistency beats motivation: the actual key to health and financial freedom

Maybe you have bigger goals. You want to climb mountains, figuratively, or perhaps Kilimanjaro or Everest. I am not talking about the Ford Everest for your car fanatics; I mean genuine mountains 🏔️. There is an assumption that to achieve these, one needs to go big from the word go: 4:30 a.m. starts and military-like…

Dispelling the money myth that you must be rich to invest (The Nando’s logic)

This is, in my estimation, perhaps the most distorted and misleading money myth. It’s destructive and dismissive, and yes, it disqualifies most people before they even start. I’m glad, though, that this is a myth, and not the truth. Why do many South Africans believe you must be rich to invest? Here is the problem:…

TFSA 2026: why South Africans must maximise their tax-free savings and build a 12-month financial plan.

Here we are. The spending craze is gone, and pockets might look empty as we speak. It’s time to reset. Another year gone, and January is the perfect time to put those actionable plans on paper. It’s okay if you are broke; just don’t stay broke. This article is a call to action, not a…

How doom scrolling quietly wrecks your mind and your finances.

The biggest time waster of our time Doom scrolling is a massive time and money waster. You sit there, or perhaps lie down, thinking it’s time to relax. Your mind is somewhere else, and you don’t even know what’s happening around you. I get it; you’re with your best friend, the biggest time-wasting device of…

2025 financial year review: 3 numbers to audit your money before 2026.

Okay, before welcoming 2026, you and I need a year review.How was 2025, by the way? Hard and unpredictable, most people would say. Such is life, always unpredictable. Nothing changes on that front. What is predictable is our behaviour and habits. Habits are part of who we are. In short, we are what we do,…