Thanks for dropping by Safe Investing South Africa. I am on a journey to build wealth my way. For any questions or comments, feel free to contact me.


Mbini Kutta
Thanks for stopping by. This is the space to learn and inspire. We find ways to learn from each other on lifestyle, building wealth, financial freedom, success in career and early or comfortable retirement.

We are especially passionate about a debt-free lifestyle. Mbini, the editor started the platform in 2011. Here is her story:

I grew up not rich, not even middle class but very content. One of the things I was and still am really scared of  is poverty. I trained myself to work hard by having a side hustle almost throughout my life.
  • I sold candies from primary school
  • I paid my way through university selling cute dorm decor stuff that I made myself
  • I rode the MLM bandwagon after graduating together with my low paying job at the time
  • I tried property investing in my twenties and I was hooked, forever
  • I read books, got formal education and even worked as a real estate practitioner. I love this industry. 
  • I am a serious fan of ETFs.
Apart from my totally imbalanced portfolio, this blog has made a lot of flaws in my lifestyle come alive:
  1. I am not frugal, SADLY. Of course I don't spend the money that I don't have. That's why I don't carry a credit card balance. UPDATE: I got myself a credit card a few years ago. I keep it at a zero balance most of the timeand NEVER pay interest on it.
  2. I am not formally employed anymore. I have a number of side hustles that earn me income. I work for others on one day per week and work on my investments more. I always look at reasonable ways to reduce my expenditure. And of course share them here.
  3. I'm not fond of budgeting, but I used to track all my spending as I go. That helped me spend less, somehow. UPDATE: when I took a blogging break, I did not track my spending and spent a bit much.
  4. I never lived with room mates after university and I always lived in a bigger space than an average single girl. I think I am compensating for growing up with many siblings in a small house. My current house is rather too big for our family. We love it.
  5. I enjoy a beauty spa treatment so very often, but not so much dining out. So that's balances it out. I do coffee alone and with friends every so often. It's a needed time away from my home business.
  6. I don't know how it is to fight consumer debt but I know how not to get into it. The fact that I contributed the most to my siblings' education makes me feel I had fought debt in a way. I still provide my parents with monthly financial support. Doing so makes me feel great. So is contributing to charity. Giving is the highest return investment ever. 
  7. We have foster children that we are planning to formally adopt.
This blog is significantly improving the way I handle my finances. I set goals, account to myself here and track my progress. Most bloggers are living on way less than I ever thought was possible and that is what helps keep me focused.

Hiring a financial advisor in 2004 was the beginning of who I have become on the personal finance front. I used to work very hard on killing my mortgage until we paid our home up at the time.

I am currently busy with my first commercial property. UDATE: I am now working on the second commercial property. But the most exciting project for me is interviewing the entrepreneurs and career driven South Africans to inspire us all.


  1. I think I can relate to you. I also started a blog about three months ago and It has actually helped me manage my finances. I am all for making extra money though I can also be very fugal.I don not have an investment portfolio yet.

  2. I just went to your blog Alice. So good to see a fellow African personal finance blogger. All the best in your journey.

    1. I'm afraid I've been a little thrifty although I occasionally go for weekendaways and like you SISA, love my bags, lol. But sadly, this didn't help much, I guess it's my money flow patterns. I haven't been savvy enough on investments and have been too much about saving. Now I know better and am happy I'll be learning more from your blog. Thank you for sharing.

  3. I actually love weekends away too Thoja. But I must be honest, it took us years to see our first holiday. I feel very blessed that I can go enjoy myself without feeling guilty or something.