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SUERO Consulting We simplify personal finance for individuals, couples and groups so that they lead stress-free lives

09/10/2026

The best way to teach children about money is to lead by example!

In this throwback conversation, Lame shares how she teaches her children about money by giving them pocket money and allowing them to make their own purchases.

Through these everyday experiences, children learn to compare prices, understand the value of money, make spending decisions and, most importantly, understand opportunity cost, that choosing one thing often means giving up another.

Sometimes, the best financial lessons happen when we give our children the opportunity to make decisions and learn from their experiences.

Lame and I explore this and more in our conversation on teaching children money management.

Watch the full conversation via the link in our bio!

Or click here https://youtu.be/wwhaOAjf1N4?si=hgAnwTuQjtBCUpa8

The iPads are really showing how old the video content is. Still very relevant conversations.

Enjoy.

02/10/2026

A major throwback!

Our conversations around Money & Marriage with Lame Pheko Molomo on Suero TV & Podcasts were definitely some of my favourites.

In this episode, we spoke about how to prepare for money conversations with your partner before getting married, from understanding each other’s financial habits and expectations to having those important conversations about money before saying “I do.”

We also discussed navigating when when you are married.

Getting married?

Already married and looking for ways to navigate personal finances with your spouse?

This one is for you!

It got me thinking… should we bring these conversations back? 👀

Link here https://youtu.be/ul8pLVvJrxQ?si=JYJWtn5-2jDfrnTj for the full episode.

Do we really not have money, or have we made too many things non-negotiable?Or are we still trying to maintain a lifesty...
11/09/2026

Do we really not have money, or have we made too many things non-negotiable?

Or are we still trying to maintain a lifestyle when we can clearly see that things are not the same anymore?

I know this feeling. I’ve been there.

Sometimes we have to accept that things are different for now.

And for now is important. A difficult financial season doesn’t mean you will never afford that lifestyle again.

But perhaps right now, you need to give yourself permission to breathe.

Stop worrying about what people will say.
Stop comparing yourself to social media.
Stop trying to prove you can still afford a life that has become too expensive.

Things are expensive in Botswana. Many of us are feeling the pressure.

So let’s ask ourselves:

Have we confused our wants with our needs?

Eating out every weekend.
A new phone every year.
Constantly buying clothes, skincare and makeup.
Driving a car that stretches the budget.
Upgrading things that are still perfectly fine.

There is nothing wrong with enjoying these things.

But if we’re saying, “I can’t save,” “I’m drowning in debt,” or “I have no emergency fund,” then perhaps we need to look at the whole picture.

Sometimes financial literacy isn’t about investing.

Sometimes it’s having the courage to say:

“I can afford it, but I choose not to spend my money on it right now.”

You don’t have to prove anything to anyone.

Adjust where you can. Protect what matters. Give yourself room to breathe.

This season is for now, not necessarily forever. ❤️

What have you made non-negotiable that is actually negotiable?

SmartMoney

Inflation is not just an economic statistic/ term. You feel it when you go to the supermarket.A few years ago, your sala...
08/09/2026

Inflation is not just an economic statistic/ term. You feel it when you go to the supermarket.

A few years ago, your salary may have comfortably covered groceries, transport, school expenses, rent and a little saving.

Today, the same salary may cover the same things, but with very little left over.

And when inflation is high while interest rates are also high, the pressure becomes even greater.

- Your groceries cost more.
- Your electricity and transport costs more.
- Your rent may increase.
- And if you have a loan, your monthly repayment may also become more expensive.

So what happens?

You start cutting back. Perhaps the money that used to go into savings now pays for groceries. The money you would have invested goes towards school expenses. And sometimes, you use credit simply to make it to the end of the month.

“Just save more” is therefore not always realistic advice.

If you are already stretched, start by focusing on financial breathing room, not perfection.

Look at your last month’s spending and ask:

* What has become significantly more expensive?
* Which expenses can I reduce, renegotiate or eliminate?
* Can I restructure expensive debt?
* Is there a skill or side income I can develop to increase my income?
* Can I start with a very small emergency buffer, even if it isn’t the amount I originally wanted to save?

And perhaps most importantly, don’t measure your financial progress only by how much you save.

Sometimes progress is avoiding unnecessary debt.
Sometimes it is paying off one expensive account.
Sometimes it is finding an extra source of income.
Sometimes it is simply getting your spending under control.

The goal is to make your money work better for you, even when the economy isn’t making it easy.

Financial literacy is not about having lots of money. It is about making informed decisions with the money you have.

Don’t let your income be your only source of wealth.One of the things I consistently advise my individual and SME client...
29/08/2026

Don’t let your income be your only source of wealth.

One of the things I consistently advise my individual and SME clients is to invest a portion of what they earn.

For businesses, I believe revenue should have different jobs.

Have money set aside for payroll, tax, emergencies and future investments. The goal is to ensure that when a difficult season comes, the business doesn’t immediately go into survival mode.

For individuals, think beyond your monthly expenses. Build an emergency fund, invest for future income, plan for holidays and invest for retirement.

And when I say invest, I don’t mean putting everything into one investment.

Depending on your financial position, risk appetite and goals, your portfolio could include shares, unit trusts, property, international investments and other investment vehicles.

The principle is simple:

Don’t consume everything you earn.

Create different pools of money for different purposes. Build reserves. Invest consistently. Diversify your sources of income.

Because financial resilience isn’t built when the difficult season arrives.

It is built during the good seasons.

Your finance coach and accountant, Lorato

Don’t let your income be your only source of wealth.One of the things I consistently advise my individual and SME client...
29/08/2026

Don’t let your income be your only source of wealth.

One of the things I consistently advise my individual and SME clients is to invest a portion of what they earn.

For businesses, I believe revenue should have different jobs.

Have money set aside for payroll, tax, emergencies and future investments. The goal is to ensure that when a difficult season comes, the business doesn’t immediately go into survival mode.

For individuals, think beyond your monthly expenses. Build an emergency fund, invest for future income, plan for holidays and invest for retirement.

And when I say invest, I don’t mean putting everything into one investment.

Depending on your financial position, risk appetite and goals, your portfolio could include shares, unit trusts, property, international investments and other investment vehicles.

The principle is simple:

Don’t consume everything you earn.

Create different pools of money for different purposes. Build reserves. Invest consistently. Diversify your sources of income.

Because financial resilience isn’t built when the difficult season arrives.

It is built during the good seasons.

One of the biggest mistakes businesses and organisations make is not utilizing, or listening to their accountants.Whethe...
24/08/2026

One of the biggest mistakes businesses and organisations make is not utilizing, or listening to their accountants.

Whether it is an SME, a large corporate or even at national level, sound financial information and professional financial advice are critical to making better decisions.

Some SMEs don’t have an accountant at all. Others rely solely on a bookkeeper or accounting clerk to record transactions. While that role is important, recording numbers is not the same as interpreting them.

A qualified accountant should help management understand what the numbers are saying, identify risks, strengthen internal controls, manage cash flow and make informed decisions.

They should be asking:

Are we saving enough?
Are we spending wisely?
Are we investing for the future?
Are we prepared for a downturn?

At a corporate level, accountants help organisations understand performance, manage resources, protect assets, strengthen governance and support strategic decision-making.

At a national level, the same principles apply. How we manage public finances, allocate resources, invest, manage debt and prepare for economic uncertainty matters to the sustainability of the economy.

The common thread is simple:

Good decisions require good financial information, and good financial information requires people who know how to interpret it.

Having an accountant is one thing.

Listening to and utilizing your accountant is another.

Accountants are not just there to record history or prepare financial statements.

We help businesses, organisations and economies make better decisions and prepare for the future.

My message today to every leader: please listen to your accountant.

You may not always like what they tell you, but sometimes the uncomfortable financial conversation today is what protects your organisation tomorrow.

PublicFinance StrategicFinance BusinessResilience

The Accountant: More Than Financial StatementsAccountants are often the best-kept secret in many organisations.Our role ...
20/08/2026

The Accountant: More Than Financial Statements

Accountants are often the best-kept secret in many organisations.

Our role goes far beyond preparing financial statements, managing costs and reporting historical performance. We should be strategic partners in the business, helping leaders understand the numbers, make better decisions and build stronger, more sustainable organisations.

Part of our role is also to simplify the language of accounting and finance for Exco members, Board members and other key stakeholders. Not everyone needs to be an accountant, but everyone involved in decision-making needs to understand how their decisions impact the income statement, balance sheet, cash flow and overall financial health of the organisation.

We need to move beyond simply asking, “How do we cut costs?” and start asking:

How do we create more value and revenue?

Where should we invest today to protect our future?

How do we build financial buffers that can help us weather difficult times and avoid having to make painful decisions, such as cutting people?

But this responsibility cannot sit with Finance alone.

Every leader has a role to play in the financial performance of an organisation. Finance should be equipping Exco and other leaders to understand the financial consequences of their decisions and, importantly, how they can contribute to creating value and revenue.

When Finance and leadership work together, speak a common financial language and take shared ownership of the numbers, organisations are better positioned to grow, innovate and remain resilient.

The future accountant is not just the person who reports what happened. We are strategic partners who help shape what happens next.

Key financial lifestyle traps many of us fall into:• Lifestyle creep – the more you earn, the more you spend instead of ...
13/04/2026

Key financial lifestyle traps many of us fall into:

• Lifestyle creep – the more you earn, the more you spend instead of saving

• Subscription overload – small monthly costs that quietly drain your money

• Luxury upgrades – upgrading cars, clothes, and restaurants too often

• Using savings for comfort spending instead of real investments

• Paying only the minimum on debt and getting stuck in interest

• Making emotional money decisions instead of long-term ones

Most financial pressure doesn’t come from not earning enough. It comes from the habits we slowly make normal.

One thing I’ve learned about money: lifestyle upgrades are the real trap.It’s never one big purchase. It’s the quiet upg...
07/04/2026

One thing I’ve learned about money: lifestyle upgrades are the real trap.

It’s never one big purchase. It’s the quiet upgrades that slowly start feeling necessary. And before we realise it, comfort turns into pressure.

My mum’s financial advice while we were growing up was always simple: live simply. Now I understand why. We can actually live without most of the things we think we need.

These days, I don’t let an increase in income make me feel like it’s time for an upgrade. I delay upgrades, and that gives me clarity on whether it was really necessary or not. Honestly, this is a good hack for a time like this when finances are under pressure.

Because financial stress doesn’t come from lack. It comes from what we’ve made non-negotiable.

Address

Gaborone West Ext 1

Opening Hours

Monday 09:00 - 17:00
Tuesday 09:00 - 17:00
Wednesday 09:00 - 17:00
Thursday 09:00 - 17:00
Friday 09:00 - 17:00

Telephone

+26771290070

Website

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