Mduduzi K. Luthuli

Co-founder and Director at Luthuli Capital

The rules of engagement for wealth have been the same for centuries and continue to be used by the wealthy. Vilochanee has revealed the secrets and myths that hold most South Africans back financially. Using this powerful information, anyone can tap into her strategies, start where they are, and never again have that anxious feeling in their stomach every time their bank statement comes. This book is about making smart financial decisions, not about working hard. Your lifestyle choices should be first and foremost, ahead of managing your money, and not the other way around.

I hope that in having this perspective, it will diffuse any fear you, as the reader, may have about the uncertainties of money management, and hopefully puts you in a positive frame of mind. Above all else, it is about improving your quality of life. Pay close attention to what you read in this book. Enjoy it, and above all else… USE IT!

In summary, congratulations to the author, editor, and team who produced this book. I highly recommend it.

colin smut

Colin Smuts

Author and Secretary of The Friends of Nadine Gordimer Committee

“An inspirational thought-provoking book on personal finance that creates wealth for all. This book is a must-read for those who desire to change their lives and learn how to manage finances; earn, spend, or save money in one way or another. Wealth and abundance facts are revealed through several methods collected in one place.

Financial freedom and success is possible using the concise information contained in the book. Knowledge is easily gained and understood.

Get on this ride and take this journey of success by gaining practical and specific fundamentals on how to achieve what you want out of life!”

Nancy Hamity

Author of The Next Gear: Unleash your Inner Drive and Fast Track Your Career Growth

“A spectacular book full of important facts and information for all who desire success. This book is a tool to be used by working people, students, and generations of young and old, for knowledge and understanding of personal finance. Success is ensured by applying the steps and taking heed of the key information found throughout the book. After all, wealth is created by our thoughts and thereafter revealed in our actions.

My wish is that many people read this book and master personal finances!”

“Creating goals is the easiest part of the journey. However, meeting your goals can only be achieved once you break the cycle of financial debt. Know the powerful system that will make you rise above over-spending and ease into the captivating world of wealth and abundance. Become Money Smart!”

Jack H. M. WongAuthor of 7 Tips To Build The Business You Always Wanted

“So much has been said on how to become financially successful and independent, but Money Smart will begin your journey to awareness of and understanding your finances. Uncover the thought patterns that have been hindering your monetary growth, and get rid of the pitfalls to your own financial success.”

John MoaklerAuthor of Heal Thy Wealth

“Vilochanee Naidoo selflessly shares what she knows about creating a constant flow of financial abundance through this book. Her wide range of skills in procurement and finance will help you achieve the financial freedom you've always dreamed of. Finally, a book that will make you debt-free!”

Tsitsi MusasikeAuthors of Moneynomics

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