Information and knowledge are power. I read a lot about money-saving tips to empower myself. My money-saving tips are basic things I have read from many City Press articles such as saving money on bank charges, insurance policies, cellphone contracts. However, I have the determination and a strong will to implement them and make them work in my favour. For example, I save R2 000 a month just by taking a lunch box to work to avoid buying unhealthy takeaways. My friends laugh at me for this but I don’t care. I also saved R250 when I moved my DStv subscription from R350 to R99. Every cent counts. I save as much as I can and invest in income-generating assets. I also try to live a simple life and do away with luxuries. We won’t go on a holiday until the personal loan has been paid off. For me it’s a financial sin to spend R25 000 on a holiday while I owe R230 000 in personal loans with very high interest. The other strong driving force is my fear of losing my job with absolutely nothing to fall back on and then losing my house and everything else. Losing a job in today’s economy can easily become a hard reality so you have to face it head-on.