Most folks would say Billy and Akaisha are living the dream, playing golf, travelling the word and socialising with friends, whenever they want. They aren’t rich, though, merely frugal. And they’re a fine example of early retirement planning leading to an “extreme early retirement.”

There’s no denying last year was a tough one. If like many South Africans you’re still feeling the bite of the credit crunch and are looking for ways to trim your monthly expenses, you’re not alone.

The word “haggling” conjures up images of my dad standing on the side of the road years ago – in the pouring rain – driving down the price of a huge wooden hippo my mom had her eye on. It also brings back feelings of guilt I squashed down on a trip to Zanzibar: Where – as my guide book advised – it’s an insult NOT to attempt to drag the price of an item down – no matter how poor the family is.

Three simple words could have the power to change your life completely...Say goodbye to stress, goodbye to deadlines, goodbye to coming home from work every night tired and depressed...

Junk! That’s what you usually expect to find at a local garage sale, right? Maybe a couple of tatty shirts that have had their hemlines taken-up, let-out, not to mention the fact that the shirts have probably been hand-washed and dry-cleaned to almost non-existence...

Today, I want to do something a little different. I want inspire you to reach new heights! We’ve all heard the saying “practice makes perfect” before. Far from being a great motivator, this saying can actually damage your ability to achieve anything.