Freeman Muswaka

Are restaurants overrated? How cooking at home can make you richer and healthier.

Okay, let’s talk all things eating out. This has become more of a status symbol and less about food. Let’s face the truth restaurants, particularly sit-down restaurants, are way overrated. Given the increase in the cost of food, their menus are way overpriced compared to DIY that is, cooking your meals at home. Hang on,…

Calculate your net worth, it’s easier than you think.

Net worth the first time I ever heard about NW was when I was reading an article in a financial magazine about the richest people in the world. This is one of those terms, in my opinion, that doesn’t get used much by ordinary people like you and me. This is our problem, as we…

Outsmart marketers: How a shopping list saves you money.

How many times have you gotten into a store looking for one item and left with more than you came for? The other day, I walked into a store to buy mushrooms. As I entered, I suddenly saw bright yellow bananas I grabbed them. Then I walked the other aisle, saw dark chocolate, and thought,…

Why thinking ‘YOLO’ could steal your retirement, lessons from the ant.

I grew up in a rural setting, as most who have read some of my blogs might realise. A great deal can be learned from observing and learning from nature. A simple experience of seeing ants or a termite’s nest teaches you to save money for your old self and even sweeter, for your retired…

Why a budget isn’t a swear word, it’s a blueprint for intentional living.

Budget forms a critical part of personal finance. Don’t treat it as a swear word, although they might seem like one. Most people avoid budget as if it were a swear word. We live in undoubtedly over-marketed and highly over-advertised times. Without a blueprint for intentional living, as I call it, impulse buying will ruin…