People moan that January is the worst month of the year, but I see no difference. It has 31 days, like most months. It is getting the financial basics right.
If we can help each other to get the basics right, then we will be better equipped for financial success. But getting the basics right requires discipline, which means people have to stop overspending now if they want to benefit tomorrow.
It's a tough, but right choice. Even if you have substantial assets, the same rules apply.
Therefore, the choice to make the right financial decisions is all yours.
Brian Mashamba, Pretoria