Mapalo Makhu is an award-winning Personal Finance expert, speaker, author and columnist. She is also the proud founder of Woman & Finance.

Armed with a BCom Finance degree and a post-graduate qualification in financial planning, Mapalo has over 9 years of experience in the financial services industry and it’s there that she discovered her purpose and passion – to help audiences achieve clarity and confidence in managing their personal finances. As a sought-after educator and speaker, she makes financial empowerment accessible to all which in turn leads them to a brighter and more secure financial future..

Her work has graced the pages of renowned publications such as True Love, City Press, Mail & Guardian and more.

Through her speaking engagements and educational initiatives, Mapalo believe that with the right knowledge and guidance, anyone can achieve financial stability and success and through that, create a better tomorrow for ourselves and our communities.

Financial independence is a crucial aspect of personal finance that allows individuals to have control over their own financial decisions and future. Achieving financial independence requires discipline, planning, and smart money management.

Some key do’s to consider in order to achieve financial independence include setting financial goals, creating a budget and sticking to it, saving and investing wisely, and continuously educating yourself about personal finance. It is also important to live within your means, avoid unnecessary debt, and prioritise building multiple streams of income.

On the other hand, some don’ts that can hinder your path to financial independence include overspending, neglecting to save for emergencies or retirement, ignoring your credit score, and not seeking professional financial advice when needed. It is crucial to avoid lifestyle inflation, impulse buying, and neglecting your financial well-being.

By following these do’s and don’ts, we can all work towards achieving financial independence and creating a more secure future for you and your loved ones. Remember, financial independence is not an overnight accomplishment but a journey that requires dedication and commitment. Mapalo Makhu shows audiences the way to the light when it seemed like there was only darkness.