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    Financially Fit and Wealthy
    Financially Fit and Wealthy
    Financially Fit and Wealthy
    Ebook122 pages1 hour

    Financially Fit and Wealthy

    By Ronel Jooste

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    About this ebook

    Financial fitness is a critical building block to achieve overall wellbeing. If you perceive finances to be tedious or complicated, this book will change your perception. Financially Fit and Wealthy will take you on a step-by-step journey towards improving your financial fitness. No matter where you are on your own financial journey, you will obtain guidance to help you build a more secure financial future for yourself and your family. This book explains financial concepts by way of linking them to concepts and processes you would follow to achieve physical fitness and health, which makes it unique, more fun to read and easy to understand and apply in your personal situation. Financially Fit and Wealthy is a must-read for every individual, regardless of age or gender, who would like to become financially fit and ultimately create wealth.

    About the author

    Ronel Jooste is a Chartered Accountant by profession. She spent more than a decade in the corporate financial services industry, where she gained valuable experience in the banking, investments and insurance fields. In 2015 she left the corporate world to pursue her passion of helping individuals and businesses to become financially fit for life through consulting and training. She has developed online financial courses and offers financial wellness programmes.

    Ronel is a contributor of financial articles for various publications including the Finesse and Accountancy SA magazines. She presented her own financial talk show on radio and often acts as speaker at events. She is a Margaret Hirsch Woman in Business Achiever 2018 finalist, the Mrs. Pretoria-Tshwane 2019 1st princess and has been nominated as a DMI Top 100 SA Difference Maker. The aim of Ronel’s foundation, Ronel Jooste Dream Foundation, is to empower and educate individuals about finances and entrepreneurship. Ronel’s other passion is fitness and she is a qualified personal trainer.

    LanguageEnglish
    PublisherRonel Jooste
    Release dateFeb 11, 2019
    ISBN9780463263709
    Financially Fit and Wealthy

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      Book preview

      Financially Fit and Wealthy - Ronel Jooste

      Financially Fit and Wealthy

      Financially Fit and Wealthy

      Ronel Jooste

      Copyright © 2019 Ronel Jooste

      Published by Ronel Jooste Publishing at Smashwords

      First edition 2019

      All rights reserved. No part of this book may be reproduced or transmitted in any form or by any means, electronic or mechanical, including photocopying, recording or any information storage or retrieval system without permission from the copyright holder.

      The Author has made every effort to trace and acknowledge sources/resources/individuals. In the event that any images/information have been incorrectly attributed or credited, the Author will be pleased to rectify these omissions at the earliest opportunity.

      Published by Ronel Jooste using Reach Publishers’ services,

      11 Amandelboom street, Zwartkop X4, Centurion, Gauteng, 0157, South Africa

      Edited by Gil Harper for Reach Publishers

      Cover designed by Reach Publishers

      P O Box 1384, Wandsbeck, South Africa, 3631

      Website: www.reachpublishers.co.za

      E-mail: reach@webstorm.co.za

      Contents

      Acknowledgements

      Foreword

      Preface

      1. Why do you need to be financially fit?

      2. Be healthy, happy and wealthy

      3. Basic financial principles

      4. Financially fit goal-setting

      5. Effective budgeting

      6. Become and stay debt free

      7. Savings and investments

      8. Basic savings tips

      9. Invest for a better future

      10. Investing in cash

      11. Investing in property

      12. Investing in unit trusts

      13. Investing in shares

      14. Emergency funds give peace of mind

      15. Protecting you and your wealth

      16. Retire comfortably

      17. Financial freedom

      18. Create additional income streams

      19. Financial thinking patterns

      20. Positive financial habits

      21. Your financial fitness programme

      Acknowledgements

      No book is ever written without a support team. I would like to say thank you to the following people who have played a vital role in realising my dream of writing my first book:

      Sean Lochrenberg, my hairstylist, for always making me look and feel pretty in the photos. Leo Haese Centurion BMW for sponsoring the blue BMW used in the cover photoshoot and Castello di Monte for sponsoring the venue.

      Johan Beukes and Danie Moolman for proofreading the manuscript prior to the publishing process.

      Margaret Hirsch, my mentor when it comes to business and making an impact in the community, and for writing the foreword.

      My parents, Jimmy and Annatjie Jooste, my sister Marli Jooste, as well as my special person, Johan Beukes for your love and support.

      Lastly to God for blessing me tremendously in both my career and personal life. I wouldn’t have achieved anything by myself, all glory to God.

      My wish is that this book will add value to your personal journey and help you to create financial fitness and wealth.

      Foreword

      At school we are taught how to read, write and master mathematics but nobody taught us about money or how to manage money. Money has energy – you need four things in life: water, oxygen, love and money, not necessarily in that order, but money is a very integral part of our lives and you find that if you have money you can have most things.

      Abundance is everywhere, but sometimes we are looking for it in the wrong place. Have you ever wondered why most people aren’t rich? The answer is very simple: they don’t think they deserve to be. You might think that is a crazy statement, but coming from a fairly disadvantaged background, to running a multi-billion rand business, I have seen everything in life.

      Ronel has written a very practical, basic, down to earth, workable, easy to understand book that explains how money works and how to make your money work for you instead of you working for it.

      Most people spend their lives chasing money but like anything else, whatever you chase will run away from you. This book teaches you in a practical way how to get your finances in order and help you to live the life that you want. Most people strive for financial freedom – what a wonderful feeling to have enough money at the end of the month and have enough money to buy anything; not only what you want but to also help others. If you follow the simple guidelines in this book I know that you will get there.

      Margaret Hirsch (Co-founder and Chief Operations Officer, Hirsch Group)

      Preface

      "My dream is to educate people about finances, because when you empower an individual financially, you uplift a nation."

      Money has a direct impact on every person irrespective of race, age, gender, social status or level of occupation. You need money to survive on a daily basis whether you are struggling financially or have billions. The power money has over us cannot be disregarded. The more knowledge we have about finances, the better we can manage our finances and the better lifestyle we can create for ourselves and our families.

      Money is not only about receiving, but also about giving. The more wealth you can create, the bigger impact you can make in the lives of others.

      My purpose in life is financial education. I believe by sharing financial knowledge I can help to reduce poverty, to create jobs and to ultimately reduce crime in our beautiful country, South Africa. I want to use my qualifications, work experience and personal experience to help individuals and businesses to become financially fit for life.

      I have used the knowledge gained during my career in the financial services industry, the lessons I learned through my personal journey with money, as well as the questions people ask when I speak at events, present workshops or do financial consulting, to write a book that will guide you on your journey to become financially fit and wealthy.

      Some important lessons I learned during my personal journey with money:

      You don’t need millions to start your savings journey. I started my savings journey by putting away the little bit of money I earned doing part-time work during my matric and varsity years. I diligently saved my money and five years later I could buy my first brand new car cash, and then the second car and the third car… it all started by saving a little bit of money over a few years.

      I always dreamt about travelling the world and to date I have visited more than 30 countries. It wouldn’t have been possible if it wasn’t for managing my budget effectively. I spent a lot of time on budgeting and analysing my actual expenditure. It certainly paid off.

      I was brought up with a ‘cash is king’ mindset and this was the most powerful money lesson my parents could have taught me. Having to finance my first home was a frightening experience and I had one goal in mind – to repay my bond as quickly as possible. I paid more than what the minimum instalment requirement was and I have used any excess money to repay my bond. Six years later I repaid my bond and I became debt-free in my early thirties. That was the best feeling; it also gave me the opportunity to start building wealth.

      I started to experiment by investing small amounts in various investments. It helped me to learn all

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