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Finding Your Voice: Honesty Creates Change
The concept of “finding your voice” is often spoken about, yet rarely explained in a way that feels achievable. It is commonly associated with confidence, assertiveness or speaking up in big moments. However, for many of us, finding your voice is not about learning how to speak louder, it is about learning how to be more honest with yourself. In everyday life, and especially in the working world, many of us learn early on that it is easier to stay quiet. We learn to adapt, to
Charmaine Sheen
3 days ago4 min read


February 2026 Finance Newsletter: Budget Better in 2026
Small Choices can Change Your Month Budgeting has a reputation for being boring, restrictive, or something only “money people” do. But the truth is simpler. A budget is just a plan for your month. It tells your money where to go so that you stay in control, instead of your debit orders, temptations, or unexpected expenses controlling you. February is the perfect time to reset your money habits. January is behind you, the year is settling in, and your spending patterns are cle
Reality Financial Coach
4 days ago2 min read


January 2026 Finance Newsletter: Your Money Plan for 2026
Out with the old and in with the new. Make a money plan that fits your life. Your money plan starts in your mind. Before you check your payslip, bank balance or budget, stop and ask: “What do I think about money?” Many South Africans think, “I don’t have enough.” With the cost of living rising, debt weighing you down and payday always too far away, it’s easy to feel stuck. But small shifts in how you think can change how you choose. When “Januworry” stress hits, try this qui
Reality Financial Coach
Jan 12 min read


Owning Your Story in 2026
A new year arrives and with it comes the familiar pressure to reinvent yourself . New goals. New habits. A better, more polished version of who you’re supposed to be. But what if 2026 isn’t about becoming someone new? What if it’s about finally owning who you already are? What It Means to Own Your Story Owning your story doesn’t mean loving every chapter. Some parts are painful. Some are messy. Some still hurt when you think about them. Owning your story means: Acknowledging
Charmaine Sheen
Jan 13 min read


Rest, Don’t Just Collapse: How to Make Summer Leave Truly Restorative
Imagine your body is a smartphone battery. When you get busy, the percentage drops, little by little. When you finally hit ‘low battery’ and plug in your charger, do you keep scrolling through apps, refreshing pages, and sending messages? Or do you actually let it recharge? Too often, leave looks like that first option. We try to catch up on everything we didn’t have time for, emails, chores, plans…until we crash, more tired than before. But real rest is about being intention
Charmaine Sheen
Dec 1, 20252 min read


December 2025 Finance Newsletter: Recharge, Reflect and Renew
One Money Move: Think about your goals and get inspired by what you and others have achieved. “Every success starts with small steps.” This year, we have encouraged you to take just one small money step each month - one “money move” to thrive in 2025. Financial well-being is a journey – it doesn’t happen straight away; it takes time, and there are many steps with good times and bad along the way. As the year ends, take a moment to look back. What “money moves” have you be
Reality Financial Coach
Dec 1, 20252 min read


Gratitude as a Growth Tool: Shifting Focus from Lack to Abundance
Welcome to your own little gratitude scavenger hunt. A simple way to notice the good that’s already around you, even if it’s easy to miss. Clue 1: Look Back Think about the past week. Can you remember one moment (big or small) that made you smile or gave you a bit of relief? Maybe someone held the door open, maybe you enjoyed a proper cup of tea, or just had five quiet minutes to yourself. Write it down. That’s your first little treasure. Clue 2: Seek the Unexpected Now think
Charmaine Sheen
Nov 1, 20252 min read


November 2025 Finance Newsletter: Protect What Matters
One Money Move: Check and Improve Your Insurance You wear a seat belt not because you plan to crash, but to give yourself the best chance if you do crash. Insurance is the same, it’s about protecting yourself and your family when life doesn’t go as planned. If something small happens, like hitting a pothole, you may be able to pay for it with money from your emergency savings. But what if something big happens, like your car is written off in an accident, or your house
Reality Financial Coach
Nov 1, 20252 min read


When Doubt Becomes the Loudest Voice in the Room
Photo by Nicola Barts from https://www.pexels.com/photo/man-touching-his-head-7927340/ Managing Imposter Syndrome and Performance Anxiety You finally achieve something meaningful, the project lands, the client’s happy, your manager is beaming but instead of feeling proud, you think, “I got lucky” or “They’re going to realise I don't know what I'm doing.” If that’s you, you’re not the only one. Imposter Syndrome: That “I Don’t Belong Here” Feeling Imposter syndrome isn’t just
Nicolette Visser
Oct 20, 20253 min read


The Power of Saying No: Boundaries as a Form of Self-Compassion
Meet Rorisang. She’s the one everyone turns to, the friend who always says yes, the colleague who takes on extra tasks, the family member...
Charmaine Sheen
Oct 1, 20252 min read


October 2025 Finance Newsletter: Get Financially Future Fit
One Money Move: Check in on your retirement savings. Close your eyes and picture yourself one day relaxing in retirement…. no more...
Reality Financial Coach
Oct 1, 20252 min read


Generations at Work: Why We Work on Each Other’s Last Nerves
Walk into any office, and you’ll notice that most people have the same complaint: “But why did he/she do it like that? That does not make...
Nicolette Visser
Sep 10, 20253 min read


Spring into Self-Care
Small Shifts for a Big Seasonal Reset Imagine a river that’s been frozen all winter. The ice keeps everything still underneath, holding...
Charmaine Sheen
Sep 1, 20252 min read


September 2025 Finance Newsletter: What if Something Happens to You?
Organise Today to Secure Tomorrow One Money Move: Create a financial file There’s a saying: “The only sure things in life are death...
Reality Financial Coach
Sep 1, 20252 min read


Mental Spring Cleaning: Letting Go of What’s No Longer Serving You
“You can’t reach for anything new if your hands are still full of yesterday’s clutter.” — Louise Smith There’s something quietly...
Charmaine Sheen
Aug 1, 20252 min read


August 2025 Finance Newsletter: Boost Your Finances
Your One Money Move: Achieve your financial goals by focusing on your financial strengths What are your dreams? Do you want to earn more...
Reality Financial Coach
Aug 1, 20252 min read


Staying Social in Winter: Beating the Chill of Isolation
There’s a kind of stillness that creeps in when the temperature drops. Days feel shorter, evenings arrive earlier, and everything seems...
Charmaine Sheen
Jul 1, 20252 min read


July 2025 Finance Newsletter: Save Smart...Invest Wisely
One Money Move: Build your saving and investment habits and skills Saving and investing is exciting, especially watching your money...
Reality Financial Coach
Jul 1, 20252 min read


The Mid-Year Mindset: How to Pause, Reflect, and Realign
Have you ever looked up and thought, how is it already halfway through the year? Same here. The months just seem to fly by — full of...
Charmaine Sheen
Jun 2, 20252 min read


June 2025 Finance Newsletter: Mastering Money Conversations: Talk About Money, Speak Up and Set Boundaries
Do money conversations stress you out? One in three people say money conversations are the most frightening conversations you can have. ...
Reality Financial Coach
Jun 1, 20252 min read
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