by Hendrik Crafford | May 8, 2026 | Financial Coaching, Financial Literacy
Title Most people know they should budget. Far fewer manage to stick to one. This piece looks at why, drawing on real South African spending data and the ontological coaching framework, and asks what it would take to approach budgeting differently, starting not with a...
by Hendrik Crafford | May 6, 2026 | Behavior Finance, Financial Coaching
Personality, Money Attitudes, and the Two-Pot System Explained What does new research reveal about Two-Pot retirement fund withdrawals in South Africa? A recent South African study published in the Journal of Consumer Behaviour (Nixon, 2026) explored why some...
by Hendrik Crafford | May 3, 2026 | Financial Coaching
The Provisional-Tax Treadmill: When High Income Still Feels Like Scarcity What Financial Burnout Can Teach High-Earning Professionals About Fear, Freedom, and Choice Reading time: approximately 12 minutes There is a quiet paradox unfolding in many financially...
by Hendrik Crafford | Nov 10, 2025 | Financial Coaching
When Money Becomes a Mirror: Coaching Beyond the Numbers Have you ever noticed how quickly a conversation about money can turn emotional? A simple discussion about spending or saving can suddenly feel charged, as if the numbers carry something much deeper. That’s...
by Hendrik | Feb 23, 2025 | Financial Coaching
We all have an invisible slip of paper tucked inside our pockets—the one that whispers, “People would think I was crazy if they knew…” Maybe yours says, “If they knew how much debt I’m drowning in,” or “If they knew I’m barely holding things together after losing my...
by Hendrik | Jan 28, 2025 | Financial Coaching
PROSPERAT - RITUALS TO PROSPERITY We all aspire to live a life of abundance—not just in material wealth, but in purpose, relationships, and personal growth. Yet, achieving true prosperity can feel elusive, especially in a world full of competing demands and financial...
