Hi Jen...I'm so grateful I came across ur channel when I was starting to sort my finances, I managed to clear myself from debt review, and I'm now very consistent with savings and in 2 quarters.into the year I have managed to save over 78K🎉🎉🎉...and I achieved this by paying myself first by allocating funds to investments and saving...I have long term, short term and mid term savings and investments...only 6% is allocated to debt repayment 30% to living expenses and over 60 % to savings and investments. I know it sound too much but trust me I have goals to achieve... building by dream house with 0 loans. It's now my 2nd year saving.towards this goal and can't wait to start with the project early next year. This hasn't been easy..I haven't touched my bonus in 2 years but I know at the end I will be happy and be able to enjoy my salary ❤
Finally someone said it ! 🎉you can't be hungry and say you are paying yourself first ... it doesn't make sense at all . Now this is the real content . Thank you 😊 Sis Jen
You know Jenn, there are lots and lots of content creators that do the same content as you but what attracted me to your channel is that you are real and authentic. I just felt like I relate to you in many ways, I felt like this person lives in the same planet that I also live in. You really inspire a lot of us and I am also on my journey of being debt free, it is not easy but I will eventually reach my destination......thanks so much Jenn..❤❤❤❤
Hi Jenn! I thank God that I came across your channel a year ago. That time I had two store accounts, a credit card and a car loan. Today , the only deduction a have is a car insurance. Thank you for your teachings. May God bless you.
You have started this new series at the right time, to ensure that the next 6 months of 2024 becomes exciting and double check if the things we planned for this year are working or not.
That is also very true, you find a person drowning in debt but randomly saving, during the month they run back to those savings, it becomes a back and forth game. I say so because I once did the same thing.
Finally someone said it!! Honestly how do you save when you haven’t done the important things. Sometimes you save and end up having to use the very same savings during the month because you paid yourself first. Thanks for the practicality.❤
Hi Jenn, I found myself coming back to re-watch this vedio for the 2nd time now because the first time I watched it, it sparked something in me. I immediately went back to adjusting my budget as I was struggling to save after paying myself first and end up needing money. From June, I'll be sure I cover my 4 walls and buffer before saving.
This video was so spot on 👍🏽, it is really not practical especially if you are not getting to end of the next pay day. Practicality is what needs to happen at the end of the day
I’m finishing mine December all 4 of them January will be new life for me, thats when I can even start talking about savings for now I can’t save I had to be honest with myself
.. we growing sisi. So true paying your first is not practical, that's why I love your vlogs because you are realistic and authentic Jen.✅️💪 🫂🫂💕✨️💐 😭😭 needs first, budgets. Peace of mind, period, and the current situation matters, sisters. i hear you very well.❤❤❤
Thank you Jen for this video because every personal financial content creator is prioritizing paying self 1st. Question is how do you pay yourself 1st when your priority is paying off debts? But yes it works for those who doesn't have much debts. By the way I love the length of this video. ❤
Yesss when you don’t have debts than this can work. Which is why I like for my content to be practical instead of theoretical. The idea of paying yourself first theoretically works and it’s s good practice but is it practical? No.
Thank you Jen for this video. Believe iyo what you are saying is so true that is exactly what I am doing Now and it gives peace of mind guys, I do not have to bother anyone during the month with money for anything. I have the essentials and for me I am saving/ investing so little you won't believe but I know that with time I can increase on that. What is the point truly of taking a lot of money for my future while I suffer today that is not practical that is why I am not doing it. We don't know what the future holds but we know about today not to say we don't save or invest but let's not be obsessed in doing that again it depends on each person's financial status
Thank you sis, because to be honest currently it is difficult to save, can't afford to pay myself. Thank you for making things easier by being practical.
You're the first person to put it this practically. I've decided to go this route because paying myself first didn't make sense, saving money first before paying for needs wasn't practical for me. You're so authentic and it's the reason why I followed you months ago❤ My finances are improving bit by bit since watching your videos.
Thank you for being real Jenn...that is honestly the reality for some of us.am busy paying off my TFG account and i cant wait to close it in August...this wake up call i got from you a few months ago😊. It has tightened my budget so much but i stay unshaken...i need to see it closed. Thank you for helping us with our finances.we love you❤
No lies detected here🤞🏾. Pure truth only! I’ve always just convinced & consoled myself that this ‘pay yourself first’ concept was for high earners & business ownership & I am neither. So I ignored it🤣😂, because my finances weren’t going to make sure if I did 😅.
Lol 😂 don’t mean to laugh friend. But I get you. For me I told myself I pay my future self not pay myself first. After making sure my monthly obligations are met I then pay my future self. Saving and investing is important for everyone but immediate priorities must be met first otherwise some people are going to sleep on the streets if payments are not made on time.
Hi Jen thank you again for this video, most finances RUclips channel don't understand how to explain this topic. Cause for a while I thought that paying myself was the way to go No matter what I have earned which is not true for most of us every advice is adaptable to our situation, life and finances and I am glad that I could hear it from someone else and see that I wasn't wrong to focus on now. Still I want to save and invest but I also know that right now I don't have the extra means to allocate it there sur I can spare an extra R10 here and there after my essential need ( food, shelter etc..) are met but I was feeling like because I couldn't save my dream amount every month that I was doing something wrong thank you for this and hope that people who are in the same path understand it too .
You know something that people do not see is when I put a goal of how much I want to save in a year, I first do my budget for at least 3months, this tells me how much I am likey to save based on my responsibilities. Same thing monthly I do my budget first, then see how much I can save. That then becomes my savings goal for that month. I say this to say, I understand your point so much, also to say be very calculated in everything you do. This will help relieve the amount of pressure you put on yourself because you will be basing your goals on what is likely to happen as opposed to randomly choosing a goal. If right now saving is not possible focus on getting good on stretching your income to the entire month.
Hi Jehn I love what u just spoke about today, I have been doing the same mistake of prioritizing my savings and investment instead of my peace of mind, and I will end up stressed and not even able to take myself to the salon. Thank you for this
I think we feel the pressure when we hear that people saved hundreds of thousands or bought things cash. We then push to save as much as we can so we can feel like we are doing something also. So it’s very important to save and invest also knowing all your obligations are met and you have satisfied with the state of your life ad well.
In my head paying yourself first is paying for what you prioritise and what is important to you, so in my finances paying myself first means I save first , I invest, then i can go to other things.. but if I was someone in debt then paying my debt first would still count as paying myself first ,at the end of the day you are doing these things for yourself, to better your finances And also mina when I say I'm paying myself first I mean the things I pay for after I've paid for my necessities...eg I can't pay for debt without buying my grocery because ngizodlani? But after paying for all those needs then the next thing I pay for count as paying myself first.. I don't go out to groove without saving, see that's also paying myself first. In my head thats the definition of paying yourself first kodwa its the same thing you just said Jen. Great video❤
Hi Jen.. I always just view comments & like but yhoo today you hit home. Well I'm on this Audacious Goal of saving my 1st 120k this year towards my financial freedom. So far so good (48k8) but problem comes with me being miserable while at it. I'm not enjoying the process. So what I do Mina ne, I pay all my needs (less than 20%) & spending ratio for my expenses is 33% average but compromising my groceries, self care & guilt Free Spending Fund. I will implement this Enkosi Sthandwa and be easy on myself because wow! I just want to save everything, if I could I would trust me 😂
I understand the part of wanting to save but it not feeling good at all. Try to do something that gives you a sense of appreciation for the work you do to earn that money. I push to have a self care category on my budget. This is the only way I can make sure I am prioritising thanking myself.
@JennNxumalo Most Definitely Darling Sis.. I am busy reshuffling my budget as we speak. It's my monthly reset day today anyway. My debt repayment plan changed for the better after I repeated a few of your videos that I watched before implementation couple of months back. You will be surprised on how much i missed during planning stage.😮
Jenn Jenn gang gang you always make sense it's like you are here with me bcos really this is it you can't pay yoself first whilst still struggling thank u once again for simplifying this looking forward to some more teachings I thank u and all the best❤❤
Thank you, it’s the way this financial tip is presented. There is nothing wrong with saving and investing but it must help done in a practical way so you don’t compromise your current responsibilities and commitments.
Sawbona Jen❤Thank you for showing up for us ❤you are making a difference... I'll share in few months.... However, I'm feeling tempted to ditch my year plan 😢 I'm committed though I know I'll pull through ❤❤ Your video keeps me going 🙏🏾
I am so glad someone finally said. To live in the future when the now is crumbling is not good for our mental health. With this said though, I can't help but wonder if making sure you are good right now and that your needs are taken care off right now is not a form of paying yourself first in itself? 🤔 Maybe we need to redefine what this means and I like the direction you are taking
🤔😍you have made such a valid point, something to deeply think about. It’s like when I came to a realisation that saving and investing is not one dimensional. That when you pay for your car, house,and all other things we benefit from as we use them, that is a form of saving and investing. It’s just that some loose value over time. So your point is very valid, we need to redefine many of these terms. 👏🏾👏🏾👏🏾
@@JennNxumalo I love this realisation 🙏🏽 the world has mostly moved from conventional learning, working, and other things, we need to also move from the conventional thinking on money...things are different now.
I agree that your current peace is very important but I believe that so is your future peace. For me I don't feel peaceful when I don't at least save something, even if it's a small amount. I understand that it's not practical for everyone because sometimes your necessities take over all your monies. But like you say, one can always look at how much you have left after all your needs are taken care of and than make a habit out of saving that amount.
Very true, the important thing here is to say budget for your needs and commitments first, whatever is left start seeing what you want to save towards and how much. But don’t start with randomly deciding on how much you will save and leave everything else to the end. This will help to avoid going and digging into your savings during the month.
I disagree totally, you will never save or invest if you start with your debts. It means save and invest before your indulgence. You will be poor till you die. It’s not how much you make but how much you keep. Going kobamshonisa means you live above your means. Paying yourself first does not necessarily mean don’t spoil’ yourself. Be happy but think long term.
I am glad that someone came with a different view because we can engage further. Here’s my thinking your debts is not indulgence, your shelter, food, transportation is not indulgence. Paying your debts on time helps build and maintain a good credit score, which may come in handy in the future. Paying for your needs helps you maintain a good standard of living and ensure you see the value of your money now. One can argue that this is a form of paying yourself. After these are taken care of then one can look into saving, this must be done before you spend your money on fun things or wants. The problem with many financial education is that it’s impractical and outdated. Saving is important but meeting your monthly obligations is just as important.
Hi Jen...I'm so grateful I came across ur channel when I was starting to sort my finances, I managed to clear myself from debt review, and I'm now very consistent with savings and in 2 quarters.into the year I have managed to save over 78K🎉🎉🎉...and I achieved this by paying myself first by allocating funds to investments and saving...I have long term, short term and mid term savings and investments...only 6% is allocated to debt repayment 30% to living expenses and over 60 % to savings and investments. I know it sound too much but trust me I have goals to achieve... building by dream house with 0 loans. It's now my 2nd year saving.towards this goal and can't wait to start with the project early next year. This hasn't been easy..I haven't touched my bonus in 2 years but I know at the end I will be happy and be able to enjoy my salary ❤
Wow this is brilliant. To be honest Jen has a positive impact in all our financial lives.
My Financial Goal story 🎉🎊🎊🎊🎉💃💃💃💃 Congratulations Dear.
I am so proud of you 🎉🎉🎉🎉❤
So proud of you. Cant wait to win the new me.. ungasabuya mva go gelly. Jenn u saved us xelele never take what u doing or sharing with us lightly ❤️❤️
Powerful 👏
Finally someone said it ! 🎉you can't be hungry and say you are paying yourself first ... it doesn't make sense at all . Now this is the real content . Thank you 😊 Sis Jen
It’s not practical at all.
Not when you ve been broke before .Having an emergency fund is important especially if you are a spender.
100%
You know Jenn, there are lots and lots of content creators that do the same content as you but what attracted me to your channel is that you are real and authentic. I just felt like I relate to you in many ways, I felt like this person lives in the same planet that I also live in. You really inspire a lot of us and I am also on my journey of being debt free, it is not easy but I will eventually reach my destination......thanks so much Jenn..❤❤❤❤
She’s real kannete Yooh 😊.
We need to end the year at 50k hle 🙏❤️.
We love you Momma ❤️
Yes please! 👌🏿💐🥰
Hi Jenn! I thank God that I came across your channel a year ago. That time I had two store accounts, a credit card and a car loan. Today , the only deduction a have is a car insurance. Thank you for your teachings. May God bless you.
You have started this new series at the right time, to ensure that the next 6 months of 2024 becomes exciting and double check if the things we planned for this year are working or not.
Yesss this is the best time to reflect, re-adjust. We also must be very honest with ourselves.
Thank you for this video❤
That paying yourself first is really not practical when you still have debts to pay and other commitments.
That is also very true, you find a person drowning in debt but randomly saving, during the month they run back to those savings, it becomes a back and forth game. I say so because I once did the same thing.
Finally someone said it!! Honestly how do you save when you haven’t done the important things. Sometimes you save and end up having to use the very same savings during the month because you paid yourself first. Thanks for the practicality.❤
And that's what I have been struggling with this year.
I felt bad when I realised ukuthi I can’t save coz I need to clear my debt first enza kungaphileki so this video helped a lot
February honestly I could see that I can’t save, all the money goes to needs and obligations , I need to be patient with myself so ur msg was for me
Since i joined this channel in 2023 my finances are becoming better thanks jen always waitin for your vlogs ❤
Hi Jenn, I found myself coming back to re-watch this vedio for the 2nd time now because the first time I watched it, it sparked something in me. I immediately went back to adjusting my budget as I was struggling to save after paying myself first and end up needing money. From June, I'll be sure I cover my 4 walls and buffer before saving.
Finally!! Someone speaking sense
This video was so spot on 👍🏽, it is really not practical especially if you are not getting to end of the next pay day. Practicality is what needs to happen at the end of the day
Glad it you found it helpful, the problem with many financial education is very theoretical and not practical.
Honestly m so grateful for this Chanel may God bless you for educating us how I wish finical education was done in school
Many of us would be so far if we got financial education at school.
I paid off one of my debts and another this June
I had you in mind when I was getting rid of it. Thank you for the light
I’m finishing mine December all 4 of them January will be new life for me, thats when I can even start talking about savings for now I can’t save I had to be honest with myself
@@VumileCebekhulu yooh great news Sana. To new beginnings
Thank you Jen, had taken a break but now I am back and this is exactly what I needed to hear
.. we growing sisi. So true paying your first is not practical, that's why I love your vlogs because you are realistic and authentic Jen.✅️💪 🫂🫂💕✨️💐 😭😭 needs first, budgets. Peace of mind, period, and the current situation matters, sisters. i hear you very well.❤❤❤
Thank you Jen for this video because every personal financial content creator is prioritizing paying self 1st. Question is how do you pay yourself 1st when your priority is paying off debts? But yes it works for those who doesn't have much debts.
By the way I love the length of this video. ❤
Yesss when you don’t have debts than this can work. Which is why I like for my content to be practical instead of theoretical. The idea of paying yourself first theoretically works and it’s s good practice but is it practical? No.
Thank you Jen for this video. Believe iyo what you are saying is so true that is exactly what I am doing Now and it gives peace of mind guys, I do not have to bother anyone during the month with money for anything. I have the essentials and for me I am saving/ investing so little you won't believe but I know that with time I can increase on that. What is the point truly of taking a lot of money for my future while I suffer today that is not practical that is why I am not doing it. We don't know what the future holds but we know about today not to say we don't save or invest but let's not be obsessed in doing that again it depends on each person's financial status
Jen you are just realist, thanks for not sugarcoating things cause we really prioritise the future instead of the now ❤
Thank you sis, because to be honest currently it is difficult to save, can't afford to pay myself. Thank you for making things easier by being practical.
Hi Jenn, on the point of paying yourself first without looking at everything else you will slowly spend the savings throughout the month
Yesssss that is very true, I used to do that a lot.
5:57 story of my life 🙈. I make a plan though. Always show up 😊
You're the first person to put it this practically. I've decided to go this route because paying myself first didn't make sense, saving money first before paying for needs wasn't practical for me.
You're so authentic and it's the reason why I followed you months ago❤
My finances are improving bit by bit since watching your videos.
Thank you for being real Jenn...that is honestly the reality for some of us.am busy paying off my TFG account and i cant wait to close it in August...this wake up call i got from you a few months ago😊.
It has tightened my budget so much but i stay unshaken...i need to see it closed.
Thank you for helping us with our finances.we love you❤
The freedom that will come with paying that account off will be amazing. It will give you money you can start saving.
❤❤❤ so much love for what u do cc
No lies detected here🤞🏾. Pure truth only!
I’ve always just convinced & consoled myself that this ‘pay yourself first’ concept was for high earners & business ownership & I am neither. So I ignored it🤣😂, because my finances weren’t going to make sure if I did 😅.
Lol 😂 don’t mean to laugh friend. But I get you. For me I told myself I pay my future self not pay myself first. After making sure my monthly obligations are met I then pay my future self. Saving and investing is important for everyone but immediate priorities must be met first otherwise some people are going to sleep on the streets if payments are not made on time.
Hi Jen thank you again for this video, most finances RUclips channel don't understand how to explain this topic.
Cause for a while I thought that paying myself was the way to go No matter what I have earned which is not true for most of us every advice is adaptable to our situation, life and finances and I am glad that I could hear it from someone else and see that I wasn't wrong to focus on now. Still I want to save and invest but I also know that right now I don't have the extra means to allocate it there sur I can spare an extra R10 here and there after my essential need ( food, shelter etc..) are met but I was feeling like because I couldn't save my dream amount every month that I was doing something wrong thank you for this and hope that people who are in the same path understand it too .
You know something that people do not see is when I put a goal of how much I want to save in a year, I first do my budget for at least 3months, this tells me how much I am likey to save based on my responsibilities. Same thing monthly I do my budget first, then see how much I can save. That then becomes my savings goal for that month.
I say this to say, I understand your point so much, also to say be very calculated in everything you do. This will help relieve the amount of pressure you put on yourself because you will be basing your goals on what is likely to happen as opposed to randomly choosing a goal.
If right now saving is not possible focus on getting good on stretching your income to the entire month.
This is exactly the order I always go for when it comes to budgeting, very practical.
You have been approaching your budget practically. This also pushes us to be honest with ourselves and our financial circumstances.
Absolutely, this way I have managed to pay off some of my debts, and I can now save comfortably.
Hi Jehn I love what u just spoke about today, I have been doing the same mistake of prioritizing my savings and investment instead of my peace of mind, and I will end up stressed and not even able to take myself to the salon. Thank you for this
I think we feel the pressure when we hear that people saved hundreds of thousands or bought things cash. We then push to save as much as we can so we can feel like we are doing something also. So it’s very important to save and invest also knowing all your obligations are met and you have satisfied with the state of your life ad well.
You just gained a new follower ❤❤❤thanks for the knowledge 😊
Awesome! Thank you and welcome to this side of the internet 🥰💐
In my head paying yourself first is paying for what you prioritise and what is important to you, so in my finances paying myself first means I save first , I invest, then i can go to other things.. but if I was someone in debt then paying my debt first would still count as paying myself first ,at the end of the day you are doing these things for yourself, to better your finances
And also mina when I say I'm paying myself first I mean the things I pay for after I've paid for my necessities...eg I can't pay for debt without buying my grocery because ngizodlani?
But after paying for all those needs then the next thing I pay for count as paying myself first.. I don't go out to groove without saving, see that's also paying myself first.
In my head thats the definition of paying yourself first kodwa its the same thing you just said Jen. Great video❤
Hi Jen.. I always just view comments & like but yhoo today you hit home. Well I'm on this Audacious Goal of saving my 1st 120k this year towards my financial freedom. So far so good (48k8) but problem comes with me being miserable while at it. I'm not enjoying the process. So what I do Mina ne, I pay all my needs (less than 20%) & spending ratio for my expenses is 33% average but compromising my groceries, self care & guilt Free Spending Fund. I will implement this Enkosi Sthandwa and be easy on myself because wow! I just want to save everything, if I could I would trust me 😂
I understand the part of wanting to save but it not feeling good at all. Try to do something that gives you a sense of appreciation for the work you do to earn that money. I push to have a self care category on my budget. This is the only way I can make sure I am prioritising thanking myself.
@JennNxumalo Most Definitely Darling Sis.. I am busy reshuffling my budget as we speak. It's my monthly reset day today anyway. My debt repayment plan changed for the better after I repeated a few of your videos that I watched before implementation couple of months back. You will be surprised on how much i missed during planning stage.😮
"Priorities your needs " powerful
Yhoo, thank you so much for saying what you just said, it means I'm not insane for taking care of my current needs first ❤
You definitely not insane 🙌🏿
Jenn Jenn gang gang you always make sense it's like you are here with me bcos really this is it you can't pay yoself first whilst still struggling thank u once again for simplifying this looking forward to some more teachings I thank u and all the best❤❤
Thank you, it’s the way this financial tip is presented. There is nothing wrong with saving and investing but it must help done in a practical way so you don’t compromise your current responsibilities and commitments.
Yo! I am so deep into that. I am trying so bad to come out.
Sawbona Jen❤Thank you for showing up for us ❤you are making a difference... I'll share in few months.... However, I'm feeling tempted to ditch my year plan 😢 I'm committed though I know I'll pull through ❤❤
Your video keeps me going 🙏🏾
Thank you so much for this information, it makes sense.❤
Hi Jenn. Hope everyone has a blessed week 📍
I couldn't agree with you more, thank you for putting it out there MaNxumalo. We really need to be realistic empilweni.
Thanks too you I had paid off 2 debts now for the third one and a small amount to save.💕
Very informative as always. Thank you. Let's all work on self-discipline.
Absolutely and very important.
I have come to learn that paying myself first is sometimes not practical. Thank you for the financial advice and your kind words🥰🥰❤️
Catching up mommy🥰🥰
You're the best!
One thing about your videos?? Top tier 👌🏽.
Appreciate that so much 🥰💐
Hey Jen thank you so much for this infomative video❤
Seem like we will be learning a lot yet again this new month. Thank you so much 😊
Yessss 🥰💐thank you hun.
Thank you this offering Jen, you are magic
Hi Jenn!!!
I am so glad someone finally said. To live in the future when the now is crumbling is not good for our mental health. With this said though, I can't help but wonder if making sure you are good right now and that your needs are taken care off right now is not a form of paying yourself first in itself? 🤔 Maybe we need to redefine what this means and I like the direction you are taking
🤔😍you have made such a valid point, something to deeply think about. It’s like when I came to a realisation that saving and investing is not one dimensional. That when you pay for your car, house,and all other things we benefit from as we use them, that is a form of saving and investing. It’s just that some loose value over time. So your point is very valid, we need to redefine many of these terms. 👏🏾👏🏾👏🏾
@@JennNxumalo I love this realisation 🙏🏽 the world has mostly moved from conventional learning, working, and other things, we need to also move from the conventional thinking on money...things are different now.
Thank you sis ❤
You are so welcome 🤗
😭😭😭when you come and give us a wake up call.
Thanks Jen🙏👌
Im going back to the drawing board🙂💵💵💵
Hi.i love ur comment i learnt
Glad to hear that 💐🙌🏿
Hey babe... Love love your content. Love that you're opening up via personality 😅😍 great video. Stay well and keep warm❤️😘
Jenny what you present make since let's work on reality. Thanks so much
We are within ❤️ ❤️ ❤️
I agree that your current peace is very important but I believe that so is your future peace. For me I don't feel peaceful when I don't at least save something, even if it's a small amount. I understand that it's not practical for everyone because sometimes your necessities take over all your monies. But like you say, one can always look at how much you have left after all your needs are taken care of and than make a habit out of saving that amount.
Very true, the important thing here is to say budget for your needs and commitments first, whatever is left start seeing what you want to save towards and how much. But don’t start with randomly deciding on how much you will save and leave everything else to the end. This will help to avoid going and digging into your savings during the month.
Well said Sis thank you for sharing 💐❤️
Jen ❤you are a blessing
Hy Jenn thank you somuch for this video, it's exactly what I needed to hear, great video as always
You are so welcome! Nomfundo 💐
Hey deary 🥰
Well said 💯
Wow informative content ❤
Glad you liked it👌🏿💐
Thank you very much ❤
Much appreciated 💐🥰
Thanks Jen
Much appreciated 🙏🏾
Jenn gang siphakathi🎉❤
❤❤❤❤❤😊 1:06 1:07
Thank you❤
Thank you so much 💐💐
Oh yes we love how you roll😂😂😂
Congratulations ❤️ ❤️ ❤️ ❤️
Thank you sisi for the motivation.💕
Hello Jen love your content
Paying yourself first sometimes makes us to borrow money from our savings from time to time because we fall short alongvthe month😢
Yessss I used to do that a lot back then when I was forcing to save when the numbers were not making sure 😂😂😂
❤❤❤
🥰💐
Catching up it's been a while🎉🎉🎉🎉🎉🎉
Thank you Nosisa💐🥰
Hi Jen can u plssss help me on this 1 question I have is frank app a tax free savings account or not
❤️❤️❤️
❤
❤️💐
🌻
❤❤❤❤❤❤❤❤
🙏🏾💐🥰
😊😊😊😅😅😅
Is it even a Sunday if Jenn doesn’t post?✨
No.
Never
I disagree totally, you will never save or invest if you start with your debts. It means save and invest before your indulgence. You will be poor till you die. It’s not how much you make but how much you keep. Going kobamshonisa means you live above your means. Paying yourself first does not necessarily mean don’t spoil’ yourself. Be happy but think long term.
I am glad that someone came with a different view because we can engage further. Here’s my thinking your debts is not indulgence, your shelter, food, transportation is not indulgence. Paying your debts on time helps build and maintain a good credit score, which may come in handy in the future. Paying for your needs helps you maintain a good standard of living and ensure you see the value of your money now. One can argue that this is a form of paying yourself.
After these are taken care of then one can look into saving, this must be done before you spend your money on fun things or wants. The problem with many financial education is that it’s impractical and outdated. Saving is important but meeting your monthly obligations is just as important.
🤍🤍🤍
Yhooo I love this girl. you just saved me from a misery shame
Thank you ❤
❤❤❤
🥰❤️💐
❤❤❤
🥰❤️💐
❤❤❤
🥰❤️
❤❤❤❤❤
🥰💐
❤❤❤
❤❤❤❤
❤❤❤❤
❤❤❤