Thank you for taking the time to learn more about me.

My name is Ray-Anne. Welcome to my site and thank you for taking the time to read this. I consider it a compliment that you want to know more about me.

I live in Muizenberg - a Southern suburb of Cape Town, South Africa - with my hubby and two beautiful boys Ethan (5) and Luke (2).

Through the years I have worn many hats - that of Soldier, Tour Guide, Travel desk Coordinator, Personal Assistant, Financial Administrator, Internet Researcher and Stay-at-home Mom.

The latter being the most challenging and demanding - believe it or not :-)

I am so thankful to the Lord for all circumstances in my life - good and bad - because these all brought me right here.

To this point in my life.

Stay at Home Mom

I never liked the idea of going to work and leaving my children with someone else for 8 - 10 hours every day.

Whose values, beliefs and character will rub off on them? - Mine, who spend 2 of their waking hours with them?

Or the caregiver I leave them with for 8 - 10 hours?

You do the math.

To cut a long story short - the desire was there but I only finally took that step of faith to stay at home when my employer was placed under curatorship.

I left the financial services industry and sacrificed my career (a sacrifice I'll gladly make again for my children!)

and so started my frugal journey.

My children, my second passion

I planned on homeschooling both my children.

To do this I needed to leave my full-time job but living on just my husband's income seemed impossible....

... we were barely surviving on our combined salaries!

So, when my employer was placed under Curatorship, I left the Financial Services industry and suddenly had to learn how to survive on one income.

Through serious cost cutting ,careful budgeting and Frugal Living, we learnt how to live within our means.

As I got more and more "into" it, a passion for all things frugal developed....

and it is still constantly evolving.

This site was born

I wanted to share my journey with others and help them start their own frugal journey and this is how this site was born.

I now have the privilege of being at home with my children and earn an income at the same time because my passion opened up this fantastic work-from-home opportunity for me.

If I can do it, so can you!

I used a web host called Site Build It .

It is designed for beginners but anyone can use it.

I stumbled upon it on another website and the idea intrigued me so much, I kept going back to it and reading more and more about it.

What I love is that they specifically point out that this is no GRQ Scheme (GetRichQuick) and believe me, I have even tried some of those! It requires passion and dedication.

So I decided to try it out.

SBI helps you all the way, from providing a step by step action guide, designs for your website (they do all the technical stuff), help with search engine ranking and much more.

More importantly it shows you how you can earn money with your site.

I love the fact that through SBI I am able to share my passion with others like you , stay at home with my boys and earn an income at the same time!

All the information on this site is completely free (and so it will remain) but SBI has shown me how to earn a profit through Google ads and other affiliate programs.

Success Stories

I'm just one of many SBI success stories.

I decided to give it a try because If I changed my mind I could always just ask for my money back (yep, will give you a FULL refund if it's not for you).

They can honour a great guarantee like that because they know they've got an outstanding product and the success stories like mine to back it up.

I can only give God (my first passion) all the glory, for He alone is "Jehovah Jireh" - My provider. He has placed not only the desire in my heart to be at home with my children but also gave me the tools to do so.

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