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Are You Happy with Your Money

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Are You Happy with Your Money

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Happy helps people on how to improve their money management relationships. I am a wealth coach.

A commercial farmer, a qualified & registered accountant and tax practitioner. I enjoy helping people with money-management skills to improve their net-worths.

30/10/2026

"my CSD is compliant but I never receive RFQs."

Let me explain honestly as a CSD Consultant why this happens. No lies.

FIRST: Understand What CSD Actually Is

CSD (Central Supplier Database) is like Facebook for government suppliers. Government departments go there to SEARCH for suppliers when they need something.

If your profile is not searchable, they will never find you. It's not that government hates you, it's that you are invisible.

5 REAL REASONS YOU DON'T GET RFQs (Even With Tax Compliant):

1. COMMODITY CODES (No.1 Reason - 80% of clients)
You registered as "Catering" and you only chose 2 codes.
Example: 90101500 - Catering Services.
But a school searching for "Supply of school nutrition - bread" will search code 50181900 - Bread. If you don't have that code, you won't appear.
Solution: You need 10-15 codes for your industry. Catering alone has 12+ codes. Cleaning has 8+. Building has 20+.

2. LOCATION - Province is NOT Enough
You put "Gauteng". But a clinic in Soweto searches: "Caterers in City of Johannesburg Municipality". If your CSD only says Gauteng with no District & Local Municipality, you won't appear in their filtered search.
You must add: Province + District + Local Municipality.

3. YOU ARE CHECKING THE WRONG PLACE
Most suppliers wait for email: "Government will email me RFQ". 70% of RFQs never come by email due to system issues or spam folder.
You MUST check manually:
• CSD > Login > My RFQs > Open Quotations > Check at 08:00 and 15:00 daily
• eTenders.gov.za > Latest Opportunities > Filter your province
RFQs expire in 3-5 days. If you check once a week, you already missed 5 RFQs.

4. BANKING & CONTACT NOT VERIFIED
Your Banking says "Captured" not "Verified". Or your email on CSD is old Vodamail you don't use anymore. RFQs go to old email, you never see it.

5. CSD Profile Not Updated in 6 Months
CSD requires update every 12 months. If you never re-submitted, departments see you as inactive and skip you.

29/10/2026

Sometimes, your biggest financial enemy isn't your salary, it's your ego.

Most people are not broke because they don't earn enough. They're broke because they want to look rich before they become rich.

The latest phone. Designer clothes. Expensive outings. A lifestyle that looks successful on social media but is drowning in financial pressure behind the scenes.

Meanwhile, someone with an ordinary lifestyle could be quietly building assets and buying their freedom.

29/10/2026

Find people who can put you on. There’s money in this world, bro.

The right network, the right mentor, and the right skill are all you need to change your level.

Surround yourself with winners.
Learn from people who already have what you want. Stop hanging out with those who only complain, start connecting with those who create.

The truth is, you don’t lack money. You lack access and information. And the right person can give you both.

10/10/2026

Stop associating with small-minded people.

Read this post in context.

This was the first thing I did when I wanted to elevate.

No, I don't mean, don't talk to people. I mean, don't keep them in the circle that takes critical decisions.

Also, this is not because you are better than them.
But because your future requires a different approach for it to thrive. You have only one life.

Let me school you on this,
There is a silent cost to proximity that most people underestimate. When you spend time with people, drink into their ideas, they robb off on you. It's natural.

Who you spend time with, determines a lot of things in your life. Especially mindset.

You don’t just spend time with people, you gradually inherit their thinking patterns, their limitations, their fears and their standards.

And if you are constantly surrounded by people who trivialize growth, mock ambition, normalize mediocrity or quietly resent progress, you will unconsciously reduce to fit into their norms.

This is how potential dies. Gradually and unassuming.

Small-mindedness is not about background, education, or exposure. It is a mindset. It is how you train your mind. And this shows up in how a person interprets possibility.

A small-minded person sees your vision and immediately looks for reasons it won’t work.
A growth-minded person sees your vision and begins to explore how it can work. Against all odds. That difference is everything.

If you are serious about greatness, you must become intentional about your associations.

Here is how you start choosing better

1. Audit your circle.
Who challenges your thinking?
Who expands your perspective?
Who holds you accountable to growth?

2. Prioritize growth over familiarity.
Growth will often require you to forgo so many things including where you feel comfortable.

One word? Stay there. Because those environments stretch you.

3. Watch how people respond to your ambition.
Do they become supportive, curious and constructive?
Or do they become dismissive, sarcastic or subtly discouraging? Watch these cues.

People reveal their mindset in how they handle your growth. You could tell.

4. Build proximity to people who live at a higher standard.
I'm not saying fuss yourself in, I'm saying learn, observe and see how the do things.

You rise to the standards of the person or persons you consistently engage with either far or near.

And finally,

Stop trying to convince small-minded people to understand your vision.

It is not their assignment.

Your responsibility is not to reduce your dreams to fit their perception.
Your responsibility is to elevate your environment to match your vision.

Greatness is not just built through hard work.
It is built through strategic association.

Choose people who think beyond limitations,
respect growth, challenge your excuses and refine your identity and support your growth.

Don't forget that who you consistently sit with will eventually determine where you stand in life.
Sitting here means inner circle. Not just mere sitting. People you do things together with.

Choose wisely.

Now, we are in the same page,
Pick your lessons.

Source: June Chino

08/10/2026

Break-even Point

Just because a business is making a loss does not mean that is bad business or economically unviable.

Remember as business starts some costs are fixed, like your rent & rates (R1500), salaries (R10 000), insurance (R800) some are sunk costs, meaning you incur them upfront, like tractor hire (R5200), soil correction costs (R4500) = R22 000.

Sales, however, are minimal in the beginning because it is not a lot of people that know about your business so you naturally likely to sell less units.

So if your unit is priced at R10.00 you must sell atleast 2 200 units to cover your costs.
We call this 2 200 a break-event point.

It is a point where you are neither losing or winning. Anything from 2 200 onwards it is a win and anything below is a loss.

Now to avoid a loss a lot of people make a mistake of thinking if I sell a unit for R20 then I can cover my costs at 1 100 units.

Whereas this seems like half efforts the market may not accept this price and you may even end up not selling any unit at all, result are even more futile.

A loss at a right price does not mean the business is bad idea. It may mean you need to improve your sales and marketing efforts, keep good customer service and give your business time and nature will follow its course.

If your product is good and your price is right, even if you are making a loss now, continue doing marketing and sales and soon you will pass break even point.

Happy customer 1 tells potential customer 2 , potential customer 2 buys and becomes happy customer 2, who then tells potential customer 3 and then chains extends like that slowly but soon you are at 3000 units and so 5000 units etc...

Calculate your break even point and set target 🎯 on how to reach that number.

Farming is business

06/10/2026

LEVERAGE

If you’re working harder every year but your money isn’t growing at the same rate, you may not have an income problem—you may have a leverage problem.

One of the biggest lessons I’ve learned on my wealth-creation journey is this:
You cannot build significant wealth by relying only on your own time and effort.

There are only 24 hours in a day. Your energy is limited. Your attention is limited.
But leverage allows you to multiply the impact of what you already have.

So, what is leverage?

Leverage is using a resource you control to produce a much greater result than you could produce alone.
That resource could be money, people, technology, knowledge, systems, relationships, or media.
Think about IT.

An employee generally exchanges time for money.

A business owner can build systems that generate money beyond their personal hours.

An investor can put capital to work.

An entrepreneur can use technology to serve thousands or millions of people.

A creator can turn one piece of knowledge into a product that can be sold repeatedly.

That is leverage.
Why is leverage so important in the money game?

Because wealth is ultimately about scale.
If your income depends entirely on how many hours you personally work, there is a ceiling.

Leverage helps you move from:

Working IN the money → to making money WORK.

But let me share an important lesson from my own wealth-creation journey:
Leverage is powerful, but it is not magic.
Used wisely, leverage can accelerate growth.
Used carelessly, it can accelerate losses.
That is especially true with financial leverage—borrowing money to invest or acquire assets. Debt can magnify returns, but it can also magnify losses.
So don't pursue leverage simply because it sounds sophisticated.
Build the foundation first. Then use leverage intelligently.

Start by increasing your financial knowledge.
Build valuable skills.
Create systems.
Develop relationships.
Understand investing.
Build assets.
Then look for ways to multiply your results without multiplying your workload at the same rate.

06/10/2026

I see a lot of people try to over spiritualise money.

If you centre your business around the products and services that people use everyday, you will not have problems with money because everyday you will stand a chance to make money.

Nothing spiritual with this formula.

Mmorogong Farm is a perfect example of such a model.

30/09/2026

Take care of your business so that your business can take care of you...

28/09/2026

More South Africans are being taken to court over unpaid debt, with summonses against private individuals rising to 30,248 in July, while debt judgments worth more than R1 billion were recorded over three months.

Read on https://tinyurl.com/msz8y6bj

28/09/2026

The first few years of building a business often seem like you are been delayed in life.

However once the tree matures and you start reaping the fruit, the catch-up may be so rapid to the extent that outsiders may deduce that you are lucky, but remember the hard work you put in to nurture the tree.

Educate them that its not luck. It's s a principle of sowing & harvesting.

Enjoy every moment of your harvest.

Living in my amen 🙏 era

Address

Rustenburg

Opening Hours

Monday	09:00 - 16:00
Tuesday	09:00 - 16:00
Wednesday	09:00 - 16:00
Thursday	09:00 - 16:00
Friday	09:00 - 15:00

Website

http://www.accountellus.co.za/, http://www.handhgroup.co.za/

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