Personal Finance

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!

If you’re curious, you can check out the same course I did .

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!

Wanna get clued up too? Check out the credit score course I took .

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 .

You can check out the same credit course I did if you’re ready to level up too.