My advice - don't ask them how much the car is, rather tell them how much you have in your budget - let them come down to your budget rather than them calling the shots.
@@atobee2595 That's if you tell them how much you are willing to pay monthly. Give them the max you'll pay for the car itself, not the monthly installment.
Many people buy cars to show off or to compete with each other. All my colleagues bought cars worth more than 250k and are struggling. Then you get me who saved and bought a well looked after 2004 Audi A4 1.8T avant. No monthly payments except insurance and all the luxuries they have I also have. I have a family to feed not a community to impress. 😉
Where I work, I see white people driving old cars like Tazz, conquest. And they earn far more. Black people always come to work with expensive cars. You know I believe that these white folks have top of the range cars at home
My brother, I am with this plan, I need advise from you because people can say negative stuff about second hand hands while others are saying some positive like you
VW and toyota people buy them more for their resale value as well as service centers that are across South Africa as those two brands tend to have the most of.
@@Mal_Dyl this is why VW will charge you far more than brands like Suzuki. Most people who buy Toyota and VW are buying cars to use as daily runners. Not many people think about resale value.
What makes this channel so special and unique, is the realistic and honest content. Always addressing the big elephant in the room. People should see this if they're looking to buy a car.
I started watching ur videos from June,i recently bought a car,n the day before I think I repeated some of ur videos 500 times.I’m happy and all thanks to you.Ur really helping us shem🙌🏻
I’ve only watched 1 video of yours and thought to myself, he should consider opening a second hand car consultation company. Buying a good trust worthy second hand car can be an intimidating ordeal. And I’d pay someone with the experience and know how to go through the finding a car for me loops I really would. Tell them my budget and what I’m looking for and pay a consultation fee. Once they find the car I just go in and sign? You kidding me? Perfection!!
Just negotiated with my dealer, 10k assistance, free delivery. Shopped around for insurance and got a premium of R1700( incl. credit shortfall with 5k access. My license is only 2 months old. This is all thanks to Muzi 🙏🏽
With the electricity thing Eskom uses an increasing block charge. For the first block (600 kWh) they charge a set price( e.g., R1.50 per kWh) for the next block (600 kWh) the price is higher (e.g., R2.00). If you bought 500 kWh at the beginning of the month and you want to top up middle of the month buy just the 100 kWh left over. If you buy more Eskom will charge you the higher price for all of Units. I explained this badly but hopefully it makes sense. Also the numbers are just for example purposes not what is really charged.
Good advice-the system is called IBT ( Incline Block Tariff), basically is a way of punishing for higher electricity consumption. Is supposed to favour the poor but is not simply because Mzansi people are wasteful in general. From next year April, The IBT Will fallout & Homeflex will be implemented. A tariff based on Time of use.Homeflex give users the opportunity to be efficient, in simple terms. Yes, electricity will never be cheap again, that’s what Musa is saying. Great work Musa❤
@@thusomahlatji6268 Put simply, Homeflex is based on time of use(TOU), with three type of electricity tarrifs,1. Off-peak ( lowest),standard tariff,& peak tariffs( most expensive & only applicable during weekdays, except for holidays) For instance, if u are going to run your geyser during peak hours(17:00-21:00), you will pay for that consumption at peak tariff as compared to Off-peak like between 21:00-05:00. This applies to week days, as weekend there are no peak tariffs.Added to this consumption tariffs, you are goi g to pay fixed amount for using the infrastructure, let’s call it connection fee. U can do nothing about fixed charges but u can do a lot ( optimise)about consumption to reduce bills. Bottom line, electricity will never be cheap again
If u buy electricity of R600 you fall from the 3rd block not first block. The higher the amount the lesser the units. First block start with (0-50) rand.
“Thato, Lindokuhle and Tshepo” 😂😂😂. Not “I’m not Kwesta” 🤣 I definitely love the honesty in your videos Muzi. I wish I came across your channel earlier. Research, research and research Thank you for stressing how important it is.
Watching your videos as I negotiate my monthly instalments on a VW Polo TSI DSG 2022. They initially quoted me R7000 and I refused, they’re currently working on a new plan.
Thank you so much for the info Muzi, after calculating my salary times 0,2 I am so disappointed that the car that I want is not my price range, I guess will have to look at abo Picachu ☺️
Big up Muzi! About 2 weeks I've subscribed to your channel and a happy follower. Your car advices are so great and informative 👏 And I enjoy your content every time I watch. Great channel overall 👍🏾👍🏾
Aye I went car shopping today and I got the shock of my life when I found out that the prices on auto trader from the same dealership aren’t the same prices in-house 😢
As a first time car buyer one take away message from this is to not buy according to brand or not buy according to whether you qualify or not rather, buy within your budget. Budget cars or second hand cars. Awesome.
Thanx as i am on the verge of buying one...i have been watching your videos since june and i might say u am quite impressed with infor you filled me...thanx so much as am a first time buyer
True Sbale, also remember that people after buying cars they strengthen them, use muthi, to protect that car then wena you come and buy it as a repossed. You will cry real tears
@@thatolekolwane8162 🤣🤣🤣🤣🤣🤣🤣🤣Nami sengamane kuthiwe angidli... I cant drive a car that doesint motivate me just for the sake of savings...singafa nominini.
@@LeoTechy Bro nami phela I won't be buying a car and pay it off within a year then afford to buy another one. So I will make sure in that 6 years ngi happy with my purchase😂
Love your Video, but what about people who just started working, people earning between 10-15k, should they go for second hand cars or should they avoid cars completely, i feel like this videos is aimed at the middle class only. In your future releases, we would like to see you giving us advise on second hand cars, servicing and insuring of these second hand cars.
But he did advise and say a car should cost you about 20% of your salary. He also said you must know how much you are willing to spend. On the first video about car buying mistakes he said it's sometimes not worth it to save on a car and buy things like Kwid, a taxi can be a better option. I don't think that kind of advise is limited to middle class only You must assess if certain expenses are really worth it. Sometimes financial freedom should be prioritised over possessing things like cars. This guy has a video about downsizing, for some people that's a taxi They always say before buying something like a car or house, put money equivalent to the instalment away for a year and see if you can survive. If you don't touch that money and you life is fine then you are good to go. You can use the money you saved to lower your installment at some point, to build your emergency fund or clear small debt like clothing accounts and you focus on just your car
Thank you for your advice . Next year I was thinking of buying a t cross R line but now I will go for a cheap new Polo at Vw the cost of living is high shame.
Why am I catching strays Muzi? It’s like you know I’m close to settling for pap and eggs cause my old Jeep is giving me issues and that Polo tsi with a few extras is giving me sleepless nights😂. But I won’t disappoint you my leader😅
I recently let go of my Mazda Cx5, traded it in and got a smaller, cheaper car. This is guy is something else 😂😂😂 I bought the cause I afforded it without factoring in the insurance and petrol, basically the maintenance. So all my money was going to accommodation and petrol. No money left for investing. So now, I invested and driving a fuel efficient car.
Hi Muzi great content as always. You right makgowa a gafa🤭. You correct again about brand loyalty and snob badges it's not worth guts. For me firstly don't use emotions when buying a car you cant afford, it's not an investment and dealers don't have your interest at heart you just another number. A lot of new car buyers don't think that the monthly amount you pay say R8000 you wont have it, for the whole term of contract, and its likely to increase due to fuel hike and higher interest rates. So do proper home work.
I bought a repossessed vehicle from the auction six months later I about five cows on the road leyokufa yona ngath yi waar. Next time I buy a repo I will make sure it is cleanse and all the bad vibes removed.
My advice - don't ask them how much the car is, rather tell them how much you have in your budget - let them come down to your budget rather than them calling the shots.
@@atobee2595 it's not bad advice, you must use your brain when you listen to advice.
@@atobee2595 That's if you tell them how much you are willing to pay monthly. Give them the max you'll pay for the car itself, not the monthly installment.
@@atobee2595 you tell them that I'm willing to spend R200k for everything not I'm willing to pay R4000 each month.
Taken👍👍👍
Never thought of things that way,thanx for the advice
"The only way to win with dealers is to play mind games with them." Spot on.
"Rewatch videos while you are at the dealership". Just to revise nje🤣🤣 sho Muzi
I have saved 3 most important videos ill watch while im in the texi to get my car next month.🤣🤣
Lol one thing about Muzi, he understood the lesson on Needs and Wants back in primary school 😂👏🏾👏🏾
Awesome content as always man
I agree with you. I will soon agree with the support as well 💰💸
Many people buy cars to show off or to compete with each other. All my colleagues bought cars worth more than 250k and are struggling. Then you get me who saved and bought a well looked after 2004 Audi A4 1.8T avant. No monthly payments except insurance and all the luxuries they have I also have. I have a family to feed not a community to impress. 😉
Where I work, I see white people driving old cars like Tazz, conquest. And they earn far more. Black people always come to work with expensive cars. You know I believe that these white folks have top of the range cars at home
My brother, I am with this plan, I need advise from you because people can say negative stuff about second hand hands while others are saying some positive like you
Dude you are single handedly changing a lot of people's lives 🙌🏿🙌🏿
Thanks for opening our minds i want to buy a car now I've learn from you
"Stop with brand loyalty. VW don't even know who you are - they just want to sell you overpriced hatchbacks and SUVs"
VW and toyota people buy them more for their resale value as well as service centers that are across South Africa as those two brands tend to have the most of.
@@Mal_Dyl this is why VW will charge you far more than brands like Suzuki. Most people who buy Toyota and VW are buying cars to use as daily runners. Not many people think about resale value.
The truth here 😩
Dankie baba 🙏🏽
I found this line hilarious
When you said "Siyabonga, Don't disappoint" i freaked out😳 and looked around... it like you knew im watching 🤣🤣🤣
What makes this channel so special and unique, is the realistic and honest content. Always addressing the big elephant in the room. People should see this if they're looking to buy a car.
I started watching ur videos from June,i recently bought a car,n the day before I think I repeated some of ur videos 500 times.I’m happy and all thanks to you.Ur really helping us shem🙌🏻
My brother, you have an unmatched sense of humour, but we remain advised by your content, salute!! 😂
I’ve only watched 1 video of yours and thought to myself, he should consider opening a second hand car consultation company. Buying a good trust worthy second hand car can be an intimidating ordeal. And I’d pay someone with the experience and know how to go through the finding a car for me loops I really would. Tell them my budget and what I’m looking for and pay a consultation fee. Once they find the car I just go in and sign? You kidding me? Perfection!!
I think he should as well
Just negotiated with my dealer, 10k assistance, free delivery. Shopped around for insurance and got a premium of R1700( incl. credit shortfall with 5k access. My license is only 2 months old. This is all thanks to Muzi 🙏🏽
Which car brand and which insurance company
@@pinkiedlamini7298 Ford Focus St 3 2016 with Absa Insure
It is also important to ask for the invoice before paying it off.
Sometimes they add unnecessary stuff which you can buy later
💯
So true thanks a lot Muzi
Don’t forget that 20000 should be your salary after tax and other deductions (net salary)
With the electricity thing Eskom uses an increasing block charge. For the first block (600 kWh) they charge a set price( e.g., R1.50 per kWh) for the next block (600 kWh) the price is higher (e.g., R2.00). If you bought 500 kWh at the beginning of the month and you want to top up middle of the month buy just the 100 kWh left over. If you buy more Eskom will charge you the higher price for all of Units.
I explained this badly but hopefully it makes sense. Also the numbers are just for example purposes not what is really charged.
Good advice-the system is called IBT ( Incline Block Tariff), basically is a way of punishing for higher electricity consumption. Is supposed to favour the poor but is not simply because Mzansi people are wasteful in general. From next year April, The IBT Will fallout & Homeflex will be implemented. A tariff based on Time of use.Homeflex give users the opportunity to be efficient, in simple terms. Yes, electricity will never be cheap again, that’s what Musa is saying. Great work Musa❤
@@nkgudih Thanks for the information . Can you explain a bit more about homeflexi
@@thusomahlatji6268 Put simply, Homeflex is based on time of use(TOU), with three type of electricity tarrifs,1. Off-peak ( lowest),standard tariff,& peak tariffs( most expensive & only applicable during weekdays, except for holidays) For instance, if u are going to run your geyser during peak hours(17:00-21:00), you will pay for that consumption at peak tariff as compared to Off-peak like between 21:00-05:00. This applies to week days, as weekend there are no peak tariffs.Added to this consumption tariffs, you are goi g to pay fixed amount for using the infrastructure, let’s call it connection fee. U can do nothing about fixed charges but u can do a lot ( optimise)about consumption to reduce bills. Bottom line, electricity will never be cheap again
If u buy electricity of R600 you fall from the 3rd block not first block. The higher the amount the lesser the units. First block start with (0-50) rand.
Shout out to the best Automotive RUclipsr in SA!!!😂😂
“Thato, Lindokuhle and Tshepo” 😂😂😂. Not “I’m not Kwesta” 🤣 I definitely love the honesty in your videos Muzi. I wish I came across your channel earlier. Research, research and research Thank you for stressing how important it is.
as for Auction cars having isnyama cause the owner is still angry🤣🤣🤣😭 facts though, uzok'bophela inhliziyo 😭🤣
Same as pre owned
Ngthola ma seshi undet the seats 😂 after a small accident
Number 1! With a sense of humor but being very insightful. So far, the best in this domain I find
Its 2025 and I have found this video to be timeless. Thank you so much. Your dence of humor is out of this world
The humor that made me subscribe😂😂Very informative and rare content, thank brother.
Watching your videos as I negotiate my monthly instalments on a VW Polo TSI DSG 2022. They initially quoted me R7000 and I refused, they’re currently working on a new plan.
Also interested in a car they quoted me 7k linked and 8k fixed. Didn't take
Thank you for the tips. I'm not yet working but i know that I'll need them one day.
Please do a review of a Nissan Magnite
Brother you deserve a million views on every video you post. Great content.. Keep it up.
You deserve that AWARD bro ....
“Just for a piece of steel with 4 wheels” 😭😭😭😂😂😂
Wabona Pikachu was violence LOL - brilliant content as always!!!! In the market for a smaller car , downgrading my car after watching your videos.
Most of the time people don’t know that dealerships are also desperate to sell but they don’t want to show
Exactly!
They're also playing mind games
💯💯 once you notice the desperation man you can get a hell of a deal to where when telling people they won’t believe you
I wish I had watched more content from this channel before diving into purchasing a brand new car... I guess we learn from our mistakes.☹️☹️
Same here 😭
Starting early for me means shopping around while I don’t even have a license 😂 but I’m taking lessons thanks to you MJ❤
It's not just about cars but it's all about cars. This channel in a nutshell. Much love grootmaan...🔥
Thank you so much for the info Muzi, after calculating my salary times 0,2 I am so disappointed that the car that I want is not my price range, I guess will have to look at abo Picachu ☺️
lol, what is a Picachu?
@@MrMarvinstraight lol it is a Kia Picanto 😂
Me 2😂😂😂😂 I was like dam I guess I won’t drive my dream car now
which car did you want to buy initially?
Did he just say pikachu 😂😂😂😂😂
Big up Muzi! About 2 weeks I've subscribed to your channel and a happy follower. Your car advices are so great and informative 👏 And I enjoy your content every time I watch. Great channel overall 👍🏾👍🏾
It’s 4 am here in Australia 🇦🇺 and I’m watching this video uyinkunzi nduna 🙌🏿🙌🏿🙌🏿
You are in Australia, weee🤣🤣
🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣
This is very informative sir , straight to the point. Your footsteps will be followed.👍
Aye I went car shopping today and I got the shock of my life when I found out that the prices on auto trader from the same dealership aren’t the same prices in-house 😢
Your delivery is amazing man 😂🔥
Definitely a big fan of this channel 🤞🙌. Keep up the good work Sir 💪
As a first time car buyer one take away message from this is to not buy according to brand or not buy according to whether you qualify or not rather, buy within your budget. Budget cars or second hand cars. Awesome.
You are very talented DR Muzi✌️❤️
I like your honesty watching from 🇿🇲🇿🇲
Boeta, you are preaching the truth, thank you for telling it like it is. Love your honesty and knowledge, you are a Star 😎
The last part of buying repossessed cars 🙌😂😂😂 well said
Muzi Sambo 😎🙌🏾...the day i will have money to buy a car i know exactly where to start...keep blessing us broski..be blessed.
Joh bra your videos kill me, but most importantly they inform me . 🙏🇿🇦
Glad i came across your channel before i can even afford shopping for a car. You are a legend bruh
Best video by Far!! Keep it up Muzi!
Phenomenal advice 🔥🤲🏾
Thanks..that was so educational.. especially the auction part🤞
Thanx as i am on the verge of buying one...i have been watching your videos since june and i might say u am quite impressed with infor you filled me...thanx so much as am a first time buyer
Hey brother you are a blessing to us
Very true, repossessed cars di nale senyama. It might sound like a joke but that is a powerful spiritual advice right there bona 🤞🏾
So true, that hit home for me.
True Sbale, also remember that people after buying cars they strengthen them, use muthi, to protect that car then wena you come and buy it as a repossed. You will cry real tears
Lmao you went wild on us damn Azikhale 🤣🤣🤣🤣🤣🤣🤣🤣
Zikhala ngempela 😂😂😂
Violence is your brand and I like it 😂😂😂
eish brah muzi i felt that electricity part hey…im a student and R100 is 28 units at my place 😢
Why was Thato mentioned first🥺😭😭😂😂 I won't disappoint you teacher
He also mantioned Lindo...i was also attecked🤣🤣🤣🤣
@@LeoTechy Bro and the love I have for VW😭😭😭😭. I might disappoint. I will rather eat pap and Viennas the whole year😂
@@thatolekolwane8162 🤣🤣🤣🤣🤣🤣🤣🤣Nami sengamane kuthiwe angidli...
I cant drive a car that doesint motivate me just for the sake of savings...singafa nominini.
@@LeoTechy Bro nami phela I won't be buying a car and pay it off within a year then afford to buy another one. So I will make sure in that 6 years ngi happy with my purchase😂
@@thatolekolwane8162 🤣 ...yes we gonna listen to Musi but for like 60% the other 40% ama risk🤣🤣🤣🤣🤣🤣
4:54 😂😂 bro, I like your sense of humor
"I took an off ramp, now I don't know what I was saying " 😂😂
Love your Video, but what about people who just started working, people earning between 10-15k, should they go for second hand cars or should they avoid cars completely, i feel like this videos is aimed at the middle class only. In your future releases, we would like to see you giving us advise on second hand cars, servicing and insuring of these second hand cars.
But he did advise and say a car should cost you about 20% of your salary. He also said you must know how much you are willing to spend. On the first video about car buying mistakes he said it's sometimes not worth it to save on a car and buy things like Kwid, a taxi can be a better option. I don't think that kind of advise is limited to middle class only
You must assess if certain expenses are really worth it. Sometimes financial freedom should be prioritised over possessing things like cars. This guy has a video about downsizing, for some people that's a taxi
They always say before buying something like a car or house, put money equivalent to the instalment away for a year and see if you can survive. If you don't touch that money and you life is fine then you are good to go. You can use the money you saved to lower your installment at some point, to build your emergency fund or clear small debt like clothing accounts and you focus on just your car
I am addicted to this content it is so educational siyabonga bhuti lol I wont go for repossessed cars ngaze ngibe nenkinga lol
Great advises mate! keep it up👍
Thank you for your advice . Next year I was thinking of buying a t cross R line but now I will go for a cheap new Polo at Vw the cost of living is high shame.
Your reviews gives one a better perspective about cars..
Dr Muzi u are so talented can u plaese review Renult Sendareo Stepway pls my friend 😄😄
And another mistake ...
Trying to buy a slightly expensive car than your friend's just to look like a Boza.🤣
And leave to regret for 5 years or however the long payment term. That's being dishonest with yourself.
@@moffatk7948 Yeah ..Things we do ey
Why am I catching strays Muzi?
It’s like you know I’m close to settling for pap and eggs cause my old Jeep is giving me issues and that Polo tsi with a few extras is giving me sleepless nights😂.
But I won’t disappoint you my leader😅
lol I am also finishing paying off my Mistake and wanted the A class, I was willing to settle for egg and pap,
I recently let go of my Mazda Cx5, traded it in and got a smaller, cheaper car. This is guy is something else 😂😂😂 I bought the cause I afforded it without factoring in the insurance and petrol, basically the maintenance. So all my money was going to accommodation and petrol. No money left for investing. So now, I invested and driving a fuel efficient car.
You doing a great job my brother. Keep it up.
I made a rush decision and I am suffering now 😫 😩
Can you share what you did so that we dont do the same mistake?🙏
😭
Pretty please
Share sifuna ukuzwa😂😂
@@lungilemadonsela1291 listen to Muzi when he explains the Polo R line part and including flexibility rate🤣🤣
Hi Muzi great content as always. You right makgowa a gafa🤭. You correct again about brand loyalty and snob badges it's not worth guts. For me firstly don't use emotions when buying a car you cant afford, it's not an investment and dealers don't have your interest at heart you just another number. A lot of new car buyers don't think that the monthly amount you pay say R8000 you wont have it, for the whole term of contract, and its likely to increase due to fuel hike and higher interest rates. So do proper home work.
Mzantsi context ....we’re inside 🎉
Get yourself a flatmate and buy a second hand car. This is how you can save a little bit of money
Foe how long will u keep to that path? 😅
best advice but most will understand when we pay 50% of the value of their cars on auctions
My man please you are doing great to save some of us.....
Lol men I love your off ramps!! Shoutout from Free State.
Informative session man👏, bolstered with jest' here and there. "Don't do like I Do, I'm not Kwesta"😂🤣💔
That nizofa at the end went deep down 🤣🤣
Thanks ta muzi.
U always give a good advices Mr thanks thanks
Leadership please teach us around buying property now
Learning so much on your channel Doc🙏🏿
I love this guy 😂😂. I'm a new subscriber
Thank you very much for your service.
Lol Repo cars are bad luck because the previous owner is still angry...😂🤣😂 Then wena you go buy it ni zo fa😂🤣😂
And then the owner sees you driving their car😂😂😂 yerrre
@@manyuhahulisani2091 😂🤣😂🤣
@@tshedisosesedinyane4378 I'd rather avoid auctions😂😂😂
@@manyuhahulisani2091 But then as Muzi say doing your homework might save you a lot of money and going with a mechanic to avoid buying a lemon
😂😂😂😂good one
Give this man a bells,brother you are doing the Lord's work here
🙏🏾Thank you for this and YOU’RE ABSOLUTELY HILARIOUS 🤣🤣🤣
Knowledge has been drop thanks Doc 😎👍👍🙏🙌🙌
Pikachu 🤣 keep up the good work bro. Education is power💪
The salesmen: Nibezwe , kodwa ningabalaleli. 😂😂😂
Lol, your advise are a killer and very true on the dot.... Very realistic and smart, keep up the good work.
😂😂😂😂 this dude is both informative and funny af!😂😂😂
Great content as always. Quick question. That 20% of your salary, should that amount also include insurance and fuel costs?
yes
Atleast must include insurance.
Yes, should include all running costs (repayment, insurance, fuel). So essentially if your 20% is R4k, car can be R2.5k, R1k fuel, R500 insurance).
@@arnoldt.musadziruma2829 is that possible 1k petrol for the whole month
@@anthonymathibelo4518never
when u buy late monthend prices change on electricity, buy at around 10th and 30, you will see😂
Re-watching all your video to keep the information fresh in my mind. Rea leboga morena
I bought a repossessed vehicle from the auction six months later I about five cows on the road leyokufa yona ngath yi waar. Next time I buy a repo I will make sure it is cleanse and all the bad vibes removed.
Great service thank you !!
Lindokuhle... Kwangathi bususho kim nje🤣🤣🤣
Thank you for the auction part
Wow you have helped me know what to do thank you
True bra, emotions will kill us especially when it comes to VW.