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By writing, speaking and commenting on financial planning, I strive to draw attention to one of the key pillars of financial planning – deferred consumption or savings. -Frank M

I hope that through my writing, speaking and commenting on financial planning, I can contribute to the development of a savings culture in South Africa. - Frank M

I believe that each and every one of us can do something to ensure that we start saving more. -Frank M

Frank M.

Change starts with people. It starts with me!

Needs and Wants

Festive Season Savings Campaign The South African Savings Institute (SASI) recently launched its annual Festive Season Savings Campaign. At the launch, SASI Acting CEO Gerald Mwandiambira said “We feel that a message which recognizes the hardships and savings...

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Career and Job Changes Part 3

Today’s post is Part 3 of a Post Inspired by a Client who got in touch with me to get some advice on a possible job/career change. Here is my advice to this client. Now that you have made the Decision to Make a Career/Job Change ...It is important that you keep your...

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Career and job Changes

Today’s post is inspired by a client who got in touch with me to get some advice on a possible job/career change. Next year, I will be celebrating 20 years in financial services in South Africa! Over this period, I have had my fair share of job and career changes....

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An Ode To Coffee

I love odes to coffee! I love coffee…..enough said! ‘Essays’ on coffee, I love them too and here is one of the best! “The Pleasures and Pains of Coffee” by Honore de Balzac translated from the French by Robert Onopa Coffee is a great power in my life; I have observed...

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The Holy Grail To Managing Your Finances

Financial Problems Many South African households suffer from financial problems and are financially unwell. A few examples of these problems are increasing consumer debts, emolument attachment orders (garnishee orders), resignations in order to access retirement fund...

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Money Is About Emotions

Over the last 10 years, I have spent more than 12,000 hours helping people to manage their money better. I have watched people make mistakes with their money. Since money is central to our lives, I have wondered why most people learn how to manage money through trial...

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The Behavior Gap

As soon as I have finished this book I will post my review. Please visit My Reading List for other book reviews. To view or order this book online please visit Good Reads online for more...

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The Behavior Gap

Speculation on Rand Weakness Lately, there has been lots of news on rand weakness, possible South Africa sovereign downgrade, fall in resource companies share prices, interest rates decisions in the US and SA, pyramid schemes and making money trading forex. For...

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Investing with your head, not your heart

Investing with your head, not your heart Veteran investor Warren Buffett, in the preface he wrote for the fourth edition of The Intelligent Investor by his mentor Benjamin Graham, tackles the issue of emotions in investing: "To invest successfully over a lifetime does...

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About Frank

Frank is a vivid storyteller. He puts his hard learned lessons as an unemployed and homeless young man, in the early 1990s in downtown Johannesburg into the context of any organization. His message is motivational, highly relevant, inspirational and, most importantly, actionable.

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