Personal Finance

I Just Wrapped Up the Financial Management Basics for Business Course

Just finished an awesome (and totally free!) course called Financial Management Basics for Business on the Capitec Money Up platform—and wow, what a game-changer for my small business journey!

This course wasn’t just about numbers and boring spreadsheets —it was about building real, useful habits that make managing money feel less scary and way more doable.

Here’s a quick look at what I learned:
Daily record-keeping = strong financial habits
Weekly and monthly summaries = smarter decisions and better planning
Budgets and cash flow statements = growth without the stress
Accurate records = easier access to the right financial tools and opportunities.

Tools Capitec Shared to Make Life Easier

1) Cashflow Record

2) Sales Record

3) Stock Sheet

7 Money Habits That Set Me Up for Success

I just wrapped up Capitec’s 7 Money Habits for Financial Success course on Money Up, and wow—it totally flipped the way I think about money .

Turns out, it’s not about how much you make, but what you do with it that really counts . Small, steady habits? Yep, they’re the real MVPs.

Saving every month and paying myself first is now my new money mantra . I even learned how to use credit wisely—by planning for it instead of falling headfirst into debt . But the biggest game-changer? Habit #7: Never stop learning about money .

Financial success isn’t about luck—it’s about making smart choices every day!

Building My Credit Score the Right Way

I just completed Capitec’s Building a Credit Score course on Money Up, and I finally get why your credit score is such a big deal!

I learned what it is, how it’s calculated, and why banks and lenders care so much about it .

The best part? Finding out that building a good credit score doesn’t have to be complicated. It’s all about smart habits—like paying bills on time, using credit responsibly, and not maxing out your limits .

Now I know exactly what to do to build and maintain a strong credit score—setting myself up for better financial opportunities down the line!

Taking Control of My Credit

I just finished an online short course with Capitec’s Money Up Academy, and it completely changed how I see credit cards.

Before, I only knew the basics—but now I understand how they work, their benefits, and the risks that come with them .

I learned how to manage a credit card wisely—avoiding unnecessary debt while still making the most of its perks .

The biggest eye-opener? Realizing how easy it is to fall into a debt trap if you’re not careful , but also how simple strategies—like paying more than the minimum and using interest-free periods—can make repaying debt way more manageable .

This course really made me feel more in control of my finances, and now I know exactly how to use a credit card to my advantage, not against me .

Check out the course.