Financial management requires a lot of discipline. It is not just about how much money you earn, but how consistently you make informed decisions, follow a clear strategy and stick to a realistic plan for managing your income and expenses.
It is the smallest decisions, such as packing a lunchbox four times a week and buying lunch only once, that make the difference. [...]
National Debt Counselling Association chairperson René Moonsamy says there is often talk about the emotional and mental toll of unhealthy relationships, but rarely about how the wrong relationship choices can drain your bank account and derail your financial future.
"Financial stress in relationships, often caused by well-intentioned but poorly understood financial decisions made in the name of love, can quietly undermine both partners' financial security long before the warning signs are recognised," says Moonsamy.
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