Hi guys, I will never ask you to text or Whatsapp me for anything. If you see any such comment, even with the picture being mine, offering you guides and numbers to call or whatsapp, kindly ignore and report that comment. It is scammers and bots trying to get to some of you. The right channels to reach me are always linked in the description box, that is, my website and email address.
You have helped me very much. Those irregular investments like school fees, car insurance, christmas vacation are the ones that wreck havoc to my budget and I end up not saving or investing for long stretches. Now I know the cure - sinking funds. Asante sana.
Good always to listen to you. Wish I heard your voice long ago. I would not have made financial blunders I have do so over all the years. But I'm picking myself up thro these baby steps. Keep it on, Susan. Dependable Coach.
I started interacting with your content early this year, and I'm wishing I'm knew your channel existed like two years ago. Anyway, thanks for what you are doing here. I've been able to get my savings right after watching most of your videos
Thank you for sharing this eye opening information on Sinking funds. I am so glad I attended the Budget for your best life masterclass. It has really come in handy in streamlining my financial matters.
Thank you Susan. This is coming at a time when I've not had an issue paying bills for the past decade but the last year has been uphill because of some things you've pointed out, including putting investments before savings. Much appreciated
Thanks so much Coach Susan. I really get to learn a lot from you ever since I started engaging with your platforms. Definitely getting better by the day. Kudos to you!
Hi Susan Thank you for this one. I have had this tracker for ages, but wasn't sure how to use it. Now I kind of understand it. I have been racking my brain on the sinking funds and how they work. Now I understand it better.
Your voice is beautiful, you are also very beautiful like the presentation that you have posted here. Thanks for explaining and making things look simpler for us.
Wow where have you been when budgeting has been killing me, wow I have taken in alot from this, pheew. Am in debts to the top of my head,but I see a way out from your 2 videos I've watched so far
Thank you. I have a goal to invest double the usual this year. When I do the mathematics, I can’t afford it. Apart from the advise to ‘plan more realistically ’ ,Any advice?
Hey Susan? What is the difference between a sinking fund and an emergency fund? I feel like they are similar in terms of they ar holding money for future use. Does this mean we need to build an emergency fund first before getting to the sinking funds?
Sinking funds are for a particular goal e.g. laptop, vacation, education. You know when you need the money and how much you need. Emergency funds are insurance for the future e.g. you lose your job and it contains at least 3 months worth of your monthly bills. There is no expected date of when or even if this will happen ( God forbid) You should work on both simultaneously but after building a 3 months emergency saving you should look at investing
This is my second time here and as a securities student I love it! Question: any good investment books by Kenyan writers you can recommend Non-kenyans too though
Thanks alot for the wonderful financial lessons @susan. Would wish to ask if I save with money market fund, will I be required to file witholding tax with KRA yearly or its not a requirement?
Kindly help, I do save with several money market funds and and my accounts are ok but returns are minimal, should merge them to maintain only one account?
Hello Ayana. I would recommend educating yourself on the available investment opportunities in Kenya first. I have a self paced course for that on my website. Find the link here: thelegacyhub.co.ke/product/invest-for-your-best-life-masterclass/
![I.N "HALLUCINATION" | [Stray Kids : SKZ-PLAYER]](http://i.ytimg.com/vi/n5B5q1Hwt_U/mqdefault.jpg)
Hi guys, I will never ask you to text or Whatsapp me for anything. If you see any such comment, even with the picture being mine, offering you guides and numbers to call or whatsapp, kindly ignore and report that comment. It is scammers and bots trying to get to some of you. The right channels to reach me are always linked in the description box, that is, my website and email address.
Okay. I need the budget tracker
Why don't you have a million subscribers? You are teaching us what our parents or schools failed to do. Thank you so much.
My sinking fund has finally paid off~ just bought the latest mac book pro. I wouldn't have afforded it if it weren't for the sinking fund! Thank you!
You have helped me very much. Those irregular investments like school fees, car insurance, christmas vacation are the ones that wreck havoc to my budget and I end up not saving or investing for long stretches. Now I know the cure - sinking funds. Asante sana.
You are such a resourceful person in financial literacy lessons. Big up coach Susan Wanjiku. 😊
Since I joined your channel, I want confess that it has changed my mindset ,thank you coach susy
May the most high keep you blessed. You are making a serious positive impact in my life.
Madam Susan Wanjiku, i don't have good words to thank you but one thing that i can say may God bless you🙏
I really like this lady. Excellent content
Thank you so much!
Good always to listen to you. Wish I heard your voice long ago. I would not have made financial blunders I have do so over all the years. But I'm picking myself up thro these baby steps. Keep it on, Susan. Dependable Coach.
i love how you articulate your content. so insightful and helpful. Thank you
Thanks for watching and for your kind feedback:)
Thanks for sharing....My money has been a mess....Someone said it's acronym for MONEY=My Own Natural Energy Yield and that takes work.
Definitely coming for the Budgeting Masterclass next month. Very helpful. Thank you Coach Susan.
Finally I understand what is a sinking fund
Thank you coach Susan for your finance lessons
I can handle money better now coz your voice is always in my head
Love from Uganda ❤
This is so helpful and insightful. Thank you so much.
Am immensely happy with this Susan. Am going to create it this month
I started interacting with your content early this year, and I'm wishing I'm knew your channel existed like two years ago. Anyway, thanks for what you are doing here. I've been able to get my savings right after watching most of your videos
Very insightful…. I need the planner for sure🙏🏾🙏🏾🙏🏾 thanks for sharing the link too
Thank you for sharing this eye opening information on Sinking funds. I am so glad I attended the Budget for your best life masterclass. It has really come in handy in streamlining my financial matters.
Thank you Susan. This is coming at a time when I've not had an issue paying bills for the past decade but the last year has been uphill because of some things you've pointed out, including putting investments before savings. Much appreciated
You are much welcome Andrew :)
So articulate ❤ Thank you Susan.
Thanks so much Susan, you are very generous.
Thanks so much Coach Susan. I really get to learn a lot from you ever since I started engaging with your platforms. Definitely getting better by the day. Kudos to you!
Thank you so much, Coach Susan for the insight.
Very informative. I wish I started watching these videos like 5 years ago. But anyway better late than never.
Hi Susan Thank you for this one. I have had this tracker for ages, but wasn't sure how to use it. Now I kind of understand it. I have been racking my brain on the sinking funds and how they work. Now I understand it better.
Eager to learn more Coach Sue
Welcome coach missed you,it's been over a month,but it's good to be back
Thank you Eric! :)
Thank you Coach Susan, it has been a while but glad to have the finance Friday again. Welcome back.
Thanks Mike!
Your voice is beautiful, you are also very beautiful like the presentation that you have posted here. Thanks for explaining and making things look simpler for us.
Quality video and awesome examples and explanations. New subscriber here.
Very educative and a life game changer, thanks
This information is very useful and will help me improve my budgeting skills. Thank you Coach
Hello Coach Susan... from TZ thank you for Finance Friday class, it has real helped me.
I loved this! Thank you for these gems.
Thanks for the info. Educative.
Wow where have you been when budgeting has been killing me, wow I have taken in alot from this, pheew. Am in debts to the top of my head,but I see a way out from your 2 videos I've watched so far
Insightful,enjoyed learning this Thank you!
Hi Susan what if am starting would it be okay if i generally save in a sinking fund without specifying,
Thanks coach Susan, I always look forward to your videos, very informative. Saving culture should supercede investment.
I appreciate your financial wisdom. It has been helpful, but how is your love life? Kindly share in relation to finance. Asking for many
Thank you Susan
Thank you. I have a goal to invest double the usual this year. When I do the mathematics, I can’t afford it. Apart from the advise to ‘plan more realistically ’ ,Any advice?
You need an secondary source of income. Sometimes saving isn't the answer. You need to make more.
Thank you for enlighting us coach
I love you ma'am Susan.
Very Insightful .Thank you coach Susan. How do I get the template kindly.
Hi, on the button show more click on it and you'll get a link to the tracker
Susan instead of saving in Sanlam and Zimele, why don't you save in one of them to increase the interest? Advice please.
If I do the 50/30/20 rule should my sinking funds come from the savings portion or from the lifestyle or both?
Were you answered?
@@howcarolineseesit Sadly I was not.
Loved it💌
Is the tracker still available?
Thank you Susan.
Hi Susan I'd like a copy of the excel.
Hey Susan? What is the difference between a sinking fund and an emergency fund? I feel like they are similar in terms of they ar holding money for future use. Does this mean we need to build an emergency fund first before getting to the sinking funds?
Sinking funds are for a particular goal e.g. laptop, vacation, education. You know when you need the money and how much you need.
Emergency funds are insurance for the future e.g. you lose your job and it contains at least 3 months worth of your monthly bills. There is no expected date of when or even if this will happen ( God forbid)
You should work on both simultaneously but after building a 3 months emergency saving you should look at investing
It is very helpful thank you
How can I get into intouch with you for a personal course
This is my second time here and as a securities student I love it!
Question: any good investment books by Kenyan writers you can recommend
Non-kenyans too though
Hi Ann, there's a book Moneywise by Rina Hicks you could try and check out. I haven't read it, but I hope this helps.
The psychology of money is one I have seen getting good recommendations
Quite informative
Kindly your advice,I have several money market funds account, started saving in 2019, should I merge them to get better returns?
Sounds like you are doing well in the game, thumbs up. Why not leave them as they are just tweaking it to different goals? Just a thought.
Thanks alot for the wonderful financial lessons @susan.
Would wish to ask if I save with money market fund, will I be required to file witholding tax with KRA yearly or its not a requirement?
It is not a requirement.
@@estherngethe3759 Thanks for informing
Beauty with brains
Kindly help, I do save with several money market funds and and my accounts are ok but returns are minimal, should merge them to maintain only one account?
Good presentation. 👍
I just want to know how you make such Excel sheets... You use templates or make them from scratch?
Hello, I made this from scratch. It is tailor made for my clients :)
Hello Susan,i hv 200k i want to invest but i don't know where to start..i am not in the country..
Hello Ayana. I would recommend educating yourself on the available investment opportunities in Kenya first. I have a self paced course for that on my website. Find the link here: thelegacyhub.co.ke/product/invest-for-your-best-life-masterclass/
@@susan.wanjiku_ many thanks, I have the same issue and I needed to hear this. 💯
Asante
You must not go broke inorder to look good 👍