Don't be broke!

Money Smart shows you how to design your own financial independence to be able to do what you want to when you want to…

What readers are saying...

‘Money Smart’ is a no-nonsense guide to managing your personal finances.
At the beginning of the Covid-19 crises, I decided to purchase and read this book. I was pleasantly surprised to read about simple to implement strategies for restructuring my own personal financial situation. I applied what I learned about being ‘money smart’ from Vilochanee with great effect and I am grateful to have read her book during such trying times.

Juan de Beer Odendal


“Money Smart” is a brilliant book that I wholeheartedly endorse and recommend to all who would like to improve their financial lives. Being “money smart” is a perennial challenge and now more than ever in these uncertain and challenging times that we live in, this book is a treasure trove of great ideas and tips, indeed a new way of living that will help the reader be smart in their use of money.

Sharendra Naidoo


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. 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.

Co-founder and Director at Luthuli Capital

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On the back of a 21-year career in procurement with blue-chip companies, she has led the successful growth of businesses by purposefully increasing wealth and reducing costs. She possesses a wide range of skills in procurement across multiple industries, and she uses her sales, service, and product knowledge to contribute to the personal, financial, and career growth of people from all walks of life.

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Your Free Monthly Budget Template!

A Budget template is a method to track
income and expenses at weekly, or monthly intervals. You can identify where your money is going, how to reduce expenses and how to increase your savings.