Building wealth isn’t just about how much you earn, it’s about how you choose to live. In this episode, I’m breaking down the 9 ways I intentionally keep my lifestyle in check: 1. I don’t buy designer clothes or bags 2. My kids don’t wear designer brands either 3. My car is paid off (and I’m not rushing to upgrade) 4. We rent for now — and won’t buy at the top of our affordability when we do buy the house 5. I keep my gym contract basic 6. I keep my lifestyle simple even when income increases 7. I know how to say NO! 8. I keep my debit orders low 9. I use my business strategically These aren’t sacrifices, they’re CHOICES that create freedom, flexibility, and long-term wealth for me and my family Because just because you can afford it… doesn’t mean you should! Listen to the full episode to understand the mindset behind each one. #PersonalFinance #Womanandmoney #LivingBelowYourMeans #MoneyMindset #WealthBuilding #FinancialFreedom #SouthAfrica #MoneyTips

Building wealth isn’t just about how much you earn, it’s about how you choose to live. In this episode, I’m breaking down the 9 ways I intentionally keep my lifestyle in check: 1. I don’t buy designer clothes or bags 2. My kids don’t wear designer brands either 3. My car is paid off (and I’m not rushing to upgrade) 4. We rent for now — and won’t buy at the top of our affordability when we do buy the house 5. I keep my gym contract basic 6. I keep my lifestyle simple even when income increases 7. I know how to say NO! 8. I keep my debit orders low 9. I use my business strategically These aren’t sacrifices, they’re CHOICES that create freedom, flexibility, and long-term wealth for me and my family Because just because you can afford it… doesn’t mean you should! Listen to the full episode to understand the mindset behind each one. #PersonalFinance #Womanandmoney #LivingBelowYourMeans #MoneyMindset #WealthBuilding #FinancialFreedom #SouthAfrica #MoneyTips

Building wealth isn’t just about how much you earn, it’s about how you choose to live. In this episode, I’m breaking down the 9 ways I intentionally keep my lifestyle in check: 1. I don’t buy designer clothes or bags 2. My kids don’t wear designer brands either 3. My car is paid off (and I’m not rushing to upgrade) 4. We rent for now — and won’t buy at the top of our affordability when we do buy the house 5. I keep my gym contract basic 6. I keep my lifestyle simple even when income increases 7. I know how to say NO! 8. I keep my debit orders low 9. I use my business strategically These aren’t sacrifices, they’re CHOICES that create freedom, flexibility, and long-term wealth for me and my family Because just because you can afford it… doesn’t mean you should! Listen to the full episode to understand the mindset behind each one. #PersonalFinance #Womanandmoney #LivingBelowYourMeans #MoneyMindset #WealthBuilding #FinancialFreedom #SouthAfrica #MoneyTips

9 Ways I Live Below My Means (Even With a Decent Income)

Hi, I’m Mapalo Makhu, your host, personal finance educator, and author of You're Not Broke, You're Pre-Rich. I hold a&nbsp;BCom Finance degree, a Postgraduate Diploma in Financial Planning and a Postgraduate Diploma in Investment Planning, with over 10 years of experience in the financial services industry. More importantly, I’m deeply passionate about empowering women to take charge of their financial futures. This podcast is a judgment-free space for open and insightful conversations about money—without the confusing jargon. Whether you’re looking to budget more effectively, get out of debt, start investing, or build lasting wealth, this is the place for you. Each episode brings you practical advice, expert insights, and real conversations designed to help you make informed financial decisions with confidence. Because financial freedom isn’t just for a select few—it’s for everyone ready to take control. If you’re on a journey to financial wellness, hit follow and be part of a community committed to building wealth and securing their futures. Let’s learn, grow and thrive—together.

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Hi, I’m Mapalo Makhu, your host, personal finance educator, and author of You're Not Broke, You're Pre-Rich. I hold a BCom Finance degree, a Postgraduate Diploma in Financial Planning and a Postgraduate Diploma in Investment Planning, with over 10 years of experience in the financial services industry. More importantly, I’m deeply passionate about empowering women to take charge of their financial futures. This podcast is a judgment-free space for open and insightful conversations about money—without the confusing jargon. Whether you’re looking to budget more effectively, get out of debt, start investing, or build lasting wealth, this is the place for you. Each episode brings you practical advice, expert insights, and real conversations designed to help you make informed financial decisions with confidence. Because financial freedom isn’t just for a select few—it’s for everyone ready to take control. If you’re on a journey to financial wellness, hit follow and be part of a community committed to building wealth and securing their futures. Let’s learn, grow and thrive—together.

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9 Ways I Live Below My Means (Even With a Decent Income)

9 Ways I Live Below My Means (Even With a Decent Income)

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