TITLE: Think Yourself Rich: A Step-by-Step Guide to Financial Independence

AUTHOR: Moroka Modiba

PUBLISHER: Penguin Random House

REVIEWER: Londiwe Dlomo

The title of the book is quite deceiving. At first glance you assume it's some type of get-rich-quick scheme or one of those motivational books with aimless waffle about money.

However, Moroka Modiba is offering a beautiful and simple guide to personal finance.

The second part of the title is truly what this book is - a step-by-step guide to financial independence. It is clear and specific. When the author tackles a topic, he explains as plainly as possible what exactly he's talking about and then goes on to tell how to work through the problem. There are tables and illustrations to further assist understanding of the subject.

This book tackles handling personal debt, financial planning, investing, budgeting and personal insurance. It takes the myth and fear away from handling your own money.

Modiba has sprinkled it with anecdotes that help the reader.

Payday is arguably the happiest day in most South Africans lives. We fill up the supermarkets, restaurants and night spots on this one day of the month. Our euphoria is short-lived, however, as the very next day the debit order notifications start beeping.

Modiba cautions against this payday high.

I could not have come across this book at a better time, realising the need to change the way I'm handling my personal finance but not knowing how to go about it; I now have somewhere to start.

It should be given to every entry-level employee in a company to help them build a solid foundation and a healthy relationship with money. Indeed, it is the key to financial freedom.