I have saved 40k since last year, I earn as little as R7500 a month I live way below my means. Every month I make sure to save R5000 and I started selling Avon which I've just started earning a substantial amount and all thanks to Nicolette 💖. The next time I comment on your post I would have started my own business. # Financial literacy is BOSS
I sell Inuka products and I feel like people are sleeping on it It's a business you need to join for extra cash. You buy s perfume for R130 n sell for R200 if you sell 5 a week that would get you R350 n R1400 a month. I will have R11200 in October 😍 thank you Nic I watch these videos n I am unemployed but I put aside R400 a week😀 To join call the head office or reply here I can assist.
@@yolandakhumalo Hey girl, I guess I've managed to save so much because I have a goal, I would like to buy a car and start a business, I look at my business plan all the time and I also have a picture of the car I would like to buy that alone encourages me to save but most importantly I live way below my means. Like the most important thing for me is tithe and to giving money at home. Sometimes you just have to loose a little bit on the fun side( going out and all) for a greater goal/ purpose.
I've saved so much money from the first time I started watching your videos towards the end of last year.Fastfoods is no longer appealing to me,I think twice before buying new clothes,I check my change and receipt before I leave the shop.In the past I have been charged more than the price on the shelve and sometimes one product was charged twice.
As someone thinking of moving to SA from the UK this is one of my favourite videos you've done. Would you ever consider making text/graphical overlays or your videos to make it easier to follow lists like your saving account recommendations or even to put the list down in the comment section, which I guess would be much easier for you. Amazing again!
Just turned 22 and graduated, I feel so blessed to have come across your channel! Wow ma'am you're going to make me so wealthy! I want to start my business up and I feel like you answered all my questions, thank you
I have been on RUclips since from 2018 but this is the first channel in my life I subscribed into because the information I get here is such an amazing and paramount one
I must say, this channel changed my life as a student....i just felt the need to start...yesterday i registered with easy equities and im gonna fica tonight...i started seeing business opportunities and im definitely starting this month...thank you sesi...we will meet on top.
Just follow this link and everything will be explained there...u will find a demo video n everything is so easy if u follow instructions www.easyequities.co.za Plz use my code as a referal EE279461 Ul register and prepare ur fica documents...they will email you
“The red one”🤣🤣🤣🤣🤣 I’m really grateful for Nic, the gems you give are really uplifting and informative especially as a young black woman trying to get her wealth together
The blue bank charged me on the maturity day R75 after saving money (R1000pm) as they promised it will earn interest in 12 months. I ended up getting R12k less R75. I ended being the one who saved them R75. Thanks, Nicolette for letting me understand what a nominal rate is. Thixo wase George Kog, kudala sidliwa ngenxa yokuswela ulwazi...lol
Wow thank you Nicolette. This is info the tellers don't tell us even if you dig in deep. I now understand .......I want to save but didn't know which savings account I should put my money into and which........
So glad I discovered your channel! Wish this is something we got taught at school 🙈 adulting is not a joke! Would love to hear your suggestions on Retirement annuity accounts and options in SA? I'm clueless 😳
Just subscribed!!! I am so exited that someone is finally looking out for us, Thank You so much.. :) Numbers are my weakest point.. but I'm always looking for ways to save. I Started from as young as 10 years old with my piggy bank, and once I started getting an allowance I saved each month since 2013 (With Old Mutual) however i still feel like my money is not growing.. The lady promised I would be able to buy a car as soon as I'm done with varsity, or place a deposit on property :(... I've completed my studies and still looking for a job.. I've been nervous about whats gonna happen when I start making big bucks (coz thats going to happen for sure;)) and this video and all the others I've been binging on have saved my life.. I will continue to save, However this time I will save MUCH WISER!! DANKIE FITNESS BUNNY!! DANKIE MAHMI :)
Thanks for the upload. Teach people about putting money into the stock market - not to buy stocks, but to buy corporate bonds (debt) i.e you lend money to established businesses. You can get 5-9% returns there (at least here in the UK you can).
The universe really works in mysterious ways neh, I was just thinking about this, where to acquire more information to grow and be Financially savvy 🤔 Boom your video pops up. Thank you Queen, I have taken notes. 🙏
Sister nicolettemashile thank you so much for your financial advises,some of us are really inspired and our lives are changed.Thank you and God bless you.
Hi Nicolette. I don't think your explanation around nominal may be 100% correct in this context. Banks don't subtract inflation from nominal to give you your return. Instead what nominal means; its just the stated rate without taking into account compounding . So in our case, your effective rate should in fact be higher than nominal. The investor will receive the full interest due to them and they can determine their ' real interest rate' by netting of inflation to get their true return
Hi Nicolette, have you considered transposing the audio from these videos into a podcast? This information is so important and useful. Sadly, some people may not be able to access it easily via RUclips (data what what) and may find it easier as audio.
Thank you Nicolette for always taking time to educate us on saving, I have been encouraged by your videos to start saving and also asking qurstion before doing or taking something that is a debt.
From my first job I started saving 30% of my income. As my salary increased I still saved 30% of it. When I got to R100k I put it in a money market account as it has the highest interest rate. But the tax costs are a problem so I moved my money to a tax free account. Is a tax free investment account better than a tax free savings account?
thandolwethu siziba generally investments will be across many asset classes and high yield accounts are cash based. So when you invest the assets could be cash, property, stocks, livestock
Hi Nicollete , is it wise to keep all your servings and different accounts in one bank. I always think that should anything happens in that particular bank , all your money is gone 😃😃
thank you sis for so much info 👏👌. I am using FNB I just like fnb BUT yooooo the unknown derbit orders awemah they are killing me I don't know what to do now. how can I prevent that????
It's easy to watch your videos, no 50% of the video being about introducing yourself, just straight to the point. No need to move the video to the middle of the video.
Mine is actually getting less than what I even put in... I want to cancel it but I heard it will cost me when I apply for mortgage one day.. How do I go on fixing this
Thank you for the financial advice. So I have invested with an investment company through a financial advisor and i can tell you that today I can check the balance and see growth, tomorrow come back to it gone down. However, after this video I now understand and thanx to people like you knowledge is gained.
Good day what would you advise to be the best option between An islamic savings account with 4.5% profit share or standard bank shariah fixed deposit account with 6.15 % for a period of 6 months.
![BLACK BAG - Official Trailer [HD] - Only in Theaters March 14](http://i.ytimg.com/vi/Du0Xp8WX_7I/mqdefault.jpg)
I have saved 40k since last year, I earn as little as R7500 a month I live way below my means. Every month I make sure to save R5000 and I started selling Avon which I've just started earning a substantial amount and all thanks to Nicolette 💖. The next time I comment on your post I would have started my own business.
# Financial literacy is BOSS
Charmain Phillips my heart just melted. Thank you and well done. Thank you for sharing. I’m so proud of you and wish you well.
How are you doing it sis?
I sell Inuka products and I feel like people are sleeping on it
It's a business you need to join for extra cash.
You buy s perfume for R130 n sell for R200 if you sell 5 a week that would get you R350 n R1400 a month. I will have R11200 in October 😍 thank you Nic
I watch these videos n I am unemployed but I put aside R400 a week😀
To join call the head office or reply here I can assist.
@@yolandakhumalo Hey girl, I guess I've managed to save so much because I have a goal, I would like to buy a car and start a business, I look at my business plan all the time and I also have a picture of the car I would like to buy that alone encourages me to save but most importantly I live way below my means. Like the most important thing for me is tithe and to giving money at home. Sometimes you just have to loose a little bit on the fun side( going out and all) for a greater goal/ purpose.
@@inukadistributorfragrances8513 teach me
You are the financial literacy teacher that we never had at school. Thank you.
Mzitho
Tyme bank goal save is da bomb. They add the interest daily... it's amazing. No monthly fees. Access to your money any time.
I've saved so much money from the first time I started watching your videos towards the end of last year.Fastfoods is no longer appealing to me,I think twice before buying new clothes,I check my change and receipt before I leave the shop.In the past I have been charged more than the price on the shelve and sometimes one product was charged twice.
I hope these banks are sponsoring you because wow. You've captured a market they have struggled with for years
😂😂who-else likes the video,presses download and proceeds to the comments then comes back to watch the video❤️
Thank you soo much Nic❤️
Hahahahaha i will make sure its relevant content all the time
I do😂
I legit stopped what i was doing on the net when i saw the notification 🤣😁😁
hahahahahahahaaha the best
Me too
As someone thinking of moving to SA from the UK this is one of my favourite videos you've done. Would you ever consider making text/graphical overlays or your videos to make it easier to follow lists like your saving account recommendations or even to put the list down in the comment section, which I guess would be much easier for you. Amazing again!
This is actually a great idea, graphical representations would make it easier for us to follow! I love her content 😍
@icecreemz try playing using 0.75x (under normal speed)
Just turned 22 and graduated, I feel so blessed to have come across your channel! Wow ma'am you're going to make me so wealthy! I want to start my business up and I feel like you answered all my questions, thank you
I have been on RUclips since from 2018 but this is the first channel in my life I subscribed into because the information I get here is such an amazing and paramount one
I must say, this channel changed my life as a student....i just felt the need to start...yesterday i registered with easy equities and im gonna fica tonight...i started seeing business opportunities and im definitely starting this month...thank you sesi...we will meet on top.
Hello cc, how does it work?
Just follow this link and everything will be explained there...u will find a demo video n everything is so easy if u follow instructions www.easyequities.co.za
Plz use my code as a referal EE279461
Ul register and prepare ur fica documents...they will email you
👏🏽👏🏽👏🏽
The generation that you are raising here.
I went straight to this video when the notification came through that there is a new upload on the channel, hop hop
The education is amazing in here. I love the disclaimer at the beginning. Thank you for the amazing content
I enjoyed the differentiation between nominal and effective rates. Keep on encouraging people to be financially literate.👍
I am still a student and Can I just say that this was really insightful...Got me really thinking.
can we talk email me knahomie9@gmail.com
You and I both! May God help graduate in time so we can start making money😅
Shuu I needed to hear this as a student🙌🙏
“The red one”🤣🤣🤣🤣🤣
I’m really grateful for Nic, the gems you give are really uplifting and informative especially as a young black woman trying to get her wealth together
Saving is my new thing I was not Familia with it but now slowly but surely I am getting there.
The blue bank charged me on the maturity day R75 after saving money (R1000pm) as they promised it will earn interest in 12 months. I ended up getting R12k less R75. I ended being the one who saved them R75. Thanks, Nicolette for letting me understand what a nominal rate is. Thixo wase George Kog, kudala sidliwa ngenxa yokuswela ulwazi...lol
🎉🎉🎉
Just when the notification popped, I am watching right now. Thank you again, Nicollet, this is very informative.
Wow thank you Nicolette. This is info the tellers don't tell us even if you dig in deep. I now understand .......I want to save but didn't know which savings account I should put my money into and which........
I'm definitely opening an account with TYM bank💃💃
Nyanda Make sure you check the their fees, transferring and withdrawing fees might make you want to change your mind. but TYME indid is dope.
Me too.
So glad I discovered your channel! Wish this is something we got taught at school 🙈 adulting is not a joke!
Would love to hear your suggestions on Retirement annuity accounts and options in SA? I'm clueless 😳
Thank you very much sis. I've already done it wrong, at least now I know not to be disappointed at maturity.
You're a gem🤗... You've changed my life for the good. Thank you😄
Notification Gang 💃💃💃
And Mina I hit the like button the minute you say "Hi Guys"😍🤑
Hi financial Bunny
Thank you so much for this. Can we get an update of this video for 2021/2022
Thank you in advance
I need to share this with my nephews and nieces. Love you...
We meet again 😊
Bought my 1st shares for R150 on Easy Equities. Plann8ng to keep throwing money at them every month. Let's see how that goes.
Just subscribed!!! I am so exited that someone is finally looking out for us, Thank You so much.. :) Numbers are my weakest point.. but I'm always looking for ways to save. I Started from as young as 10 years old with my piggy bank, and once I started getting an allowance I saved each month since 2013 (With Old Mutual) however i still feel like my money is not growing.. The lady promised I would be able to buy a car as soon as I'm done with varsity, or place a deposit on property :(... I've completed my studies and still looking for a job.. I've been nervous about whats gonna happen when I start making big bucks (coz thats going to happen for sure;)) and this video and all the others I've been binging on have saved my life.. I will continue to save, However this time I will save MUCH WISER!! DANKIE FITNESS BUNNY!! DANKIE MAHMI :)
How do we get gavament to add this to our kids' curriculum, heh? Everyone uses money, but not everyone understands money
Thanks for the upload. Teach people about putting money into the stock market - not to buy stocks, but to buy corporate bonds (debt) i.e you lend money to established businesses. You can get 5-9% returns there (at least here in the UK you can).
Please tell us more
Give this woman a bells🍹 .. we are not worthy 🙌🏽. Simamfumze , singama ngwinya akho 🙌🏽
Please give me a gin rather LOL
Really enjoying your videos. And it's cool that we can actually get a South African perspective on this
The universe really works in mysterious ways neh, I was just thinking about this, where to acquire more information to grow and be Financially savvy 🤔 Boom your video pops up. Thank you Queen, I have taken notes. 🙏
@Pinned Financial Bunny Thank you 🙏
Good advise, so obsessed with your channel 💓💓
It is 2023 and I bumped into this video like you said lol!
I wish I could get 7% in savings. You’ve got it good. Good point about inflation👌🏼
Please make an updated version.😭😭😭 Please.
You share tremendous value. The no BS approach is remarkable.
PS: "one of the big banks....the red one..." 😂 lol.
Sister nicolettemashile thank you so much for your financial advises,some of us are really inspired and our lives are changed.Thank you and God bless you.
I was waiting for this video.. thank you!
I'm very learning alot about saving by watching your vedios 💓
Hi Nicolette. I don't think your explanation around nominal may be 100% correct in this context. Banks don't subtract inflation from nominal to give you your return. Instead what nominal means; its just the stated rate without taking into account compounding . So in our case, your effective rate should in fact be higher than nominal. The investor will receive the full interest due to them and they can determine their ' real interest rate' by netting of inflation to get their true return
Daiyaan Edwards I guess it’s interpretation. They might not necessarily subtract it but you don’t realize it in your growth.
Daiyaan Edwards that’s why I said it’s no adjuster for inflation
Just stumbled across your channel, love what you're doing. New subscriber.
Thank you very much for this 🙏 you are doing the Lords work.
May GOD bless you more.....for all the info you sharing with the world
We love you too😘
Hi Nicolette, have you considered transposing the audio from these videos into a podcast? This information is so important and useful. Sadly, some people may not be able to access it easily via RUclips (data what what) and may find it easier as audio.
Sipho Mudau I will do so. I’ll set up a podcast by June
Hi thanks for your advice i really saving a lot since i watch you and listern to your advice thanks again sisi.
Thank you Nicolette for always taking time to educate us on saving, I have been encouraged by your videos to start saving and also asking qurstion before doing or taking something that is a debt.
Well done Zim, I am enjoying the progress
Thank you lady we really appreciate the insight
This was very informative Nicolette thank u so much
What do you think is the best account for students? Besides your basic student account because I’m in first year and I just started saving
Lemme wait here
Beautiful smile there at the end. Thanks for the education by the way
I will be glued on your channel all year. As a self employed it has been a bit hard I tell you running a bridal business
Valuable Knowledge, I needed this ✅
Great stuff...the part ye sbhamu killed me 😂
Lol Kuphume isibhamu..did not see that coming
From my first job I started saving 30% of my income. As my salary increased I still saved 30% of it. When I got to R100k I put it in a money market account as it has the highest interest rate. But the tax costs are a problem so I moved my money to a tax free account. Is a tax free investment account better than a tax free savings account?
How did you learn about all of this cause wow!🔥
Hey Nicolette:) Thank you for this. What is the difference between an investment account and a high yield savings account?
thandolwethu siziba generally investments will be across many asset classes and high yield accounts are cash based. So when you invest the assets could be cash, property, stocks, livestock
@@FinancialBunny Thank you so much!
Got so excited when I saw this🤸🤸
Hi Nicolette, please may you share information about the maximiser at FNB
Starts at R100k, offers 7.15%/yr..
Go to the fnb website babe under investment
Its okay but the monthly charge of R65\month sucks big time eats into your interest
Hi. I wanted to find out which S.A. bank has a better interest rate fixed deposit account for a student who trying to save money monthly?
This is so helpful. Thanks a lot hun.
Hi nana please share your opinion on outvest as an investment
Hi Nicolette🤔
Please could you make a video about the tax that one has to pay on long term savings payouts.
Thank you for this. I have learnt alot😚
heard all of these banks looks for excuses to take ur money, like "fraudulent transactions"
Your videos give me life!
Wow wow.. so informative thank you so much !
I have just joined the Family ..I hope I aint too late ..THANKY YOU SO MUCH FOR SUCH INFORMATION
Speech less but I should definitely drop a ❤️✌️
Hii This Video Is Really Helpful Thank You
I’m watching in 2023 😅
Hi Nicollete , is it wise to keep all your servings and different accounts in one bank. I always think that should anything happens in that particular bank , all your money is gone 😃😃
thank you sis for so much info 👏👌. I am using FNB I just like fnb BUT yooooo the unknown derbit orders awemah they are killing me I don't know what to do now. how can I prevent that????
It's easy to watch your videos, no 50% of the video being about introducing yourself, just straight to the point. No need to move the video to the middle of the video.
Your videos are really informative and so fun
I could not help but press subcribe
Thank you
FNB Money Maximizer is Boss😎
Can we have a current vid on this topic please?
Best financial advise
Hi Nicolette thank you for the great content.
4:40 this is irrelevant but I just love of a Playstation was the first thing that came to mind 🙂
Mine is actually getting less than what I even put in... I want to cancel it but I heard it will cost me when I apply for mortgage one day.. How do I go on fixing this
Can we please get a video like this that applies to this year ❤
What about Trust accounts in institutions like Allan gray or Old Mutual
So enlightening, Thank you so much
Omg, I was literally researching this! 😭😭😭necessary!!!
Thank you very much i will look into Tym bank
Thanks Nicolette, this is really helpful.
Thank you for the financial advice. So I have invested with an investment company through a financial advisor and i can tell you that today I can check the balance and see growth, tomorrow come back to it gone down. However, after this video I now understand and thanx to people like you knowledge is gained.
What about Old Mutual money account?
Very interesting! Thank you
Thank you very much for this info, you are always so helpful
Thank you for this im always heart broken by what i get back.
This is interesting Nicolette, please share the site where you gathered your data, i would like to do further research on this topic
thomas Rammutla used the hippo comparison website and justmoney.co.za then my own personal experiences
We here Notification Gang
Good day
what would you advise to be the best option between An islamic savings account with 4.5% profit share or standard bank shariah fixed deposit account with 6.15 % for a period of 6 months.
I it's time I hit the notification 🔔 button. Thanks a lot @financialfitnessbunny for sharing such important info on money matters💞💞💞💞💞💞