Hey nico I appreciate your effort and time putting this up here, my word last year was determination and here we go this year with CONSISTENCY . I’m happy to be financially free and currently growing a solid retirement plan. It takes a positive and consistency to learn new things, unlearn the old habits ms Important to get a mentor/coach to lead you all the way. It’s great to start young too!
@@marcosalvatore673 personally I think 1m is the goal to overcome inflation and having them in an inv estment p ortfolio is a perfect plan. I'm half way to my goal 😊
@@gomezsandra5998 yeah. Fees and commissions are factors to look at in search for financial advisers. There’s financial experts out there who do not look at their fees but the impact and intrinsic value they bring along to you no matter how little you want to start. I’m glad I had one guide me start my financial journey
I love the fact that you acknowledge your impulse mistakes, I literally had to write down a list of all the things I need in the new year and bulk buy all at once, and this actually helped me save a lot and keep track of my money. E.g :In January I'll say okay I need new jeans, bedding, dresses, sneakers, toilatries, cleaning products, I rather spend R10 000 in one month to buy all I want than to just shop recklessly every month. Now I know that every month, the only thing I need is groceries that I cant bulk buy (fruits and vegetables), nails and hair and transport.
Yoh motivational qoutes give me anxienty and honestly ever since i stopped following them, i work harder and i stay focused on the goal because then im facing reality and i learn how to deal with my problems
Hey Nicolette, love your content. Just want to remind you that change takes time, there's is a huge gap between what we know and what we do, it's completely normal. Don't be so hard on yourself you're doing great ❤
Really enjoyed this. No one’s perfect to be honest and we learn a lot from each other’s mistakes. Thanks for owning up Nicolette, definitely replicating this on my channel! 😊
The way I'm laughing and crying at the same time , because that is me. Everything you have mentioned I do, subconsciously I know it's wrong but I still do it 😥
Great advise, even the best of us still are having some difficulties putting to action what we know are the best ways to deal with our finances. Here is to doing much more better in handling our finances in 2023 Nicolette🍻
You and I, I don't like motivational speakers hle🥴 I really don't listen to them. Thank you for sharing your truth. Yho I need to take the knowledge I've learned seriously ey🤣🤣🤣
Nico I am yet to find a financial adviser that is more than about selling products and that alone makes me weary Impulsive buying I got from my father who handled cash alot,and I got to do the same through his business but I think twice now
Sometimes when you learn sound principles you feel far off and that can be overwhelming when you want to make positive changes in your life but when a person who is sharing those principles is honest about their short comings it makes the message relatable.
Appreciate the vulnerabilities embraced on here, you don't cone out here trying to be perfect financially. Quite an entertaining video and very informative. Thank you
I think Nicollet it's called applied Knowledge is power. Learning more and actually doing something about it is likely going to help you earn more. So there is truth in the saying, if you learn more you earn more. By the way motivation works I honestly believe that. You mention readying books, go socialize, etc and I believe those are motivation that other people need to change thier lives. I believe motivation is something that you need to keep on listening to till you actually believe it.think about preparing for exams,you read more than once to actually understand and be able to understand and apply the knowledge.
1. You could have just temporarily disabled your Credit Card using the app of the bank or by calling them. 2. If they charge you R43k, assuming you pay opt to pay minimum payments that are usually 5%. That means you transferred at least R860k from your credit card!!!! Unemali mntana eninintsi ndini!!!
I keep coming back here whenever I want to remind myself of what's important. ❤❤❤ When you have exhausted everything below the 15k mark you begin to realize the importance of Savings when the things (goals,) you need begin to stretch towards 30k or 25k.
The way all the things you say are so happening in the a day to day of all our lives. We really need to educate people on money, thanks for your honesty especially being in the finance “know how”. Oh by the way please holla at me based on your vlog about diff ways to make money, I can definitely be your ideas bouncing ball as I can do with yours pleeezzzeee…
Even though you always say your videos do not constitute as financial advice but damn they help me. This year I have started being accountable to mu budget, got a 2 other source of income. One I save R500 per month and the other R330. Thank you
I am more interested in those financial advices because yhooo I need them seriously, I am impulse buyer as well. I would go to the shop to buy 3 things but I would come back with 10 things
Impulse buyer, I'm that baby girl who will defrost chicken for dinner, goes to the mall buys wings and ribs, gets home cooks pap and chicken oh my God 😭😭😭
I wish I was sorrounded by people like you ,cuz ey sometimes when u start the "Financial topic" it's like uyaphapha uyazibona unemali blah blah ....And am glad u did touch this topic i was searching for this topic cuz I think u got a book of your mistakes and I think it's a good time to go back n rectify our mistakes...yah neh Cash Cash is a demon'yana
I FELT THAT IMPULSIVE 😭😭😭 I AM IMPULSIVE EVEN WHEN SENDING TEXTS LIKE I CANT WRITE A PARAGRAPH AND SEND IT I WRITE SHORT MESSAGES VERY FAST, AND THE IMPULSIVE TALKING WHEREBY YOU REALISE LATER THAN SHIT I SHOULDNT HAVE TOLD THIS PERSON THIS THING
I swear i like your story telling, this is one of the reasons I loved “What’s your move”. I only started consulting a financial planner last year because it was offered to me for free. And it was life changing
Like I love hearing this. As a financial advisor I love hearing people who actually go out there and use those services. It's beneficial for you in the long run
Thank you Nico. I want to know if bulk buying is also helpful especially if you want to save money because l always buy groceries in bulks every month is it necessary
Sis wam I know what you talking about, I'm a property addict as well and my properties give me a negative profit every month, but every year ngiyaythenga and everyday ngiku property24. I can't stop but anyway to be honest angizisoli ngalokho ngiyanda ukuthenga ama properties.
That was me at some point, I am so over fast fashion now I thrift. I want to learn how to make my own clothes as well not saying it will come cheap but I can make it work... Hope you are able to conquer this, good luck ☺️
Bathong Nico. I used to think you're the most disciplined person and you make no financial mistakes. Everytime I'm about to do a transfer from my savings to my cheque account . . . I hear your voice on my ear saying 'Don't ... Don't... DONT!' 🤣🤣🤣
Draft a contract dear for them where u explain everything, an get thm a copy so they will knw when they get into ur property what they get themselves into simple dear
@@nosibaloyi3149 the legal route is to get a court order for eviction which will take long ours took 3 months then we paid for the people who do the eviction once approved, it was R6500
I appreciate you so much @Coco. I will listen again cause I missed others, I relate to the 32 days situation where I find myself paying the bank to use my money even though I understand I'm breaking the contract by wanting it within a day or so, I'm always angry at myself for this and I'm hoping I make proper plan so I don't go near that account when it's not necessary if I can't get it for free....... Thank you once again cause you are showing us that you can still make these mistakes because you are a human being. Let's correct our mistakes & do better ❤️
Despite me knowing, I save chucks only to go back n withdraw during the months, so basically I am not saving. i knows theres a fixed acc but i dont feel comfortable opening it...wow Im glad we could have a therapeutic session Nicolette.
I’m the same but what I’ve started doing is after I buy everything and enjoy looking at it, the next 2 days I just return it to the store unless it’s somethingl I really need
I appreciate her honesty. These are the kind of teachers whom I can associate with. She does not hide her mistakes.
Hey nico I appreciate your effort and time putting this up here, my word last year was determination and here we go this year with CONSISTENCY . I’m happy to be financially free and currently growing a solid retirement plan. It takes a positive and consistency to learn new things, unlearn the old habits ms Important to get a mentor/coach to lead you all the way. It’s great to start young too!
Hello I'm 42 working on my retirement fund too What do you think is the best target for retirement?
A lot of people find having a coach /financial advisor a luxury
@@marcosalvatore673 personally I think 1m is the goal to overcome inflation and having them in an inv estment p ortfolio is a perfect plan. I'm half way to my goal 😊
@@gomezsandra5998 yeah. Fees and commissions are factors to look at in search for financial advisers. There’s financial experts out there who do not look at their fees but the impact and intrinsic value they bring along to you no matter how little you want to start. I’m glad I had one guide me start my financial journey
I'm trying to read books about finance, budgeting and saving. Looking at having a good financial advisor. Can you recommend?
Impulse buying is the worst setback we have as young people 😅
I love the fact that you acknowledge your impulse mistakes, I literally had to write down a list of all the things I need in the new year and bulk buy all at once, and this actually helped me save a lot and keep track of my money.
E.g :In January I'll say okay I need new jeans, bedding, dresses, sneakers, toilatries, cleaning products, I rather spend R10 000 in one month to buy all I want than to just shop recklessly every month.
Now I know that every month, the only thing I need is groceries that I cant bulk buy (fruits and vegetables), nails and hair and transport.
Bulk buying is becoming tricky for me,it has worked for me so long but lately I feel like maybe I don't need it
I need to re evaluate
Ka Sepedi ba re "ngaka ga e kalafe" .. this video was wholesome and a good way for one to do a thorough introspection as the year begins
Yoh motivational qoutes give me anxienty and honestly ever since i stopped following them, i work harder and i stay focused on the goal because then im facing reality and i learn how to deal with my problems
I love and respect your honesty Nico. We struggle so much to practice what we preach. In 2023 asizame sonke to improve and do better.
Hey Nicolette, love your content. Just want to remind you that change takes time, there's is a huge gap between what we know and what we do, it's completely normal. Don't be so hard on yourself you're doing great ❤
Wow wow listening to you for the 1st time has real helped me with huge paradigm shift i have to make better review my decisions going forward
I like your teachings that's why I also bought and read "What's your move"
I have a problem with impulsive buying and this definitely inspired me to do better
I hope this helps me to do better this year
Weeeh Nicolette 🙆♀️😂😂😂😂 immediately when you say “but somehow” I die 🤣🤣🤣⚰️
Really enjoyed this. No one’s perfect to be honest and we learn a lot from each other’s mistakes. Thanks for owning up Nicolette, definitely replicating this on my channel! 😊
That's me with my 32 days notice account 🤣🤣🤣... I hate a notice.. I can't wait that long if I want something now
The way I'm laughing and crying at the same time , because that is me. Everything you have mentioned I do, subconsciously I know it's wrong but I still do it 😥
😂😂 Nicolette wa mpolaya! Thanks for your honesty, it makes me not feel bad about my impulsive tendencies, I’ll work at them
Great advise, even the best of us still are having some difficulties putting to action what we know are the best ways to deal with our finances. Here is to doing much more better in handling our finances in 2023 Nicolette🍻
I love the authenticity. But am requesting for translation to some of the words. Am from Uganda and i enjoy this channel
One thing about Nicolette, she is very honest and tell it like it is😍😍
You and I, I don't like motivational speakers hle🥴 I really don't listen to them. Thank you for sharing your truth. Yho I need to take the knowledge I've learned seriously ey🤣🤣🤣
Same same
Nico I am yet to find a financial adviser that is more than about selling products and that alone makes me weary
Impulsive buying I got from my father who handled cash alot,and I got to do the same through his business but I think twice now
I love this honesty. Truly has made me respect you even more 💐👏🏼👏🏼👏🏼
You and I are kindred spirits🤣 But the good news is I've made progress in correcting myself.
Sometimes when you learn sound principles you feel far off and that can be overwhelming when you want to make positive changes in your life but when a person who is sharing those principles is honest about their short comings it makes the message relatable.
it is the psychology of money...this is the cause of apprehension.... and dangerous
Appreciate the vulnerabilities embraced on here, you don't cone out here trying to be perfect financially. Quite an entertaining video and very informative. Thank you
I think Nicollet it's called applied Knowledge is power. Learning more and actually doing something about it is likely going to help you earn more. So there is truth in the saying, if you learn more you earn more. By the way motivation works I honestly believe that. You mention readying books, go socialize, etc and I believe those are motivation that other people need to change thier lives. I believe motivation is something that you need to keep on listening to till you actually believe it.think about preparing for exams,you read more than once to actually understand and be able to understand and apply the knowledge.
1. You could have just temporarily disabled your Credit Card using the app of the bank or by calling them.
2. If they charge you R43k, assuming you pay opt to pay minimum payments that are usually 5%. That means you transferred at least R860k from your credit card!!!! Unemali mntana eninintsi ndini!!!
Absolutely love this video😂😂😂
I keep coming back here whenever I want to remind myself of what's important. ❤❤❤ When you have exhausted everything below the 15k mark you begin to realize the importance of Savings when the things (goals,) you need begin to stretch towards 30k or 25k.
Your book is changing lives! One thing for sure ❤
I Love you, Cant stop watching
The way all the things you say are so happening in the a day to day of all our lives. We really need to educate people on money, thanks for your honesty especially being in the finance “know how”.
Oh by the way please holla at me based on your vlog about diff ways to make money, I can definitely be your ideas bouncing ball as I can do with yours pleeezzzeee…
Even though you always say your videos do not constitute as financial advice but damn they help me. This year I have started being accountable to mu budget, got a 2 other source of income. One I save R500 per month and the other R330. Thank you
This reminds me of TD Jake's sermon: Just Because you know better doesn't mean you do better, it's all about discipline. A very hard pill to swallow
Haai shem I solute your honesty ma'am 🙌🏾❤️🔥
😂😂😂 Akere the cash thing bare its supposed to make paying painful so you can control your spending. but hei nooo
Mara you are a star waitsi💐💐
I am more interested in those financial advices because yhooo I need them seriously, I am impulse buyer as well. I would go to the shop to buy 3 things but I would come back with 10 things
I love your transparency
This was hilarious!! Totally appreciate your honesty and vulnerability
Thank you. Its deep.
Please advise or suggest which property stokvel I can invest in
Lol I love your honesty😍
I put a spending sanction on myself because of video that you did 😂. That time you don't have one😂
Impulse buyer, I'm that baby girl who will defrost chicken for dinner, goes to the mall buys wings and ribs, gets home cooks pap and chicken oh my God 😭😭😭
😢😢
I really like and appreciate this video ❤️🥰, very relatable plus it was funny 😅
Thank u for this video yoh
Hey Nicolette, GREAT video once again. You speak beautiful Afrikaans by the way. Thank you for your videos and sharing your knowledge.
A fav always.
Hi F. Bunny, whats your take on Life Cover. Paying 900 monthly. Currently unemployed. My main source of income is from real estate investments.
This was actually funny😂 but I appreciate your videos... Very educational✨
yah eish 😂😂😂😅the cash struggle is real, I just become u Father the moment I have hard cash with me. I decide on the spot as well!!
How do I get ahold of you for financial advice and how to invest my money?
Weeeh Nicolette 🙆♀️😂😂😂😂
I wish I was sorrounded by people like you ,cuz ey sometimes when u start the "Financial topic" it's like uyaphapha uyazibona unemali blah blah ....And am glad u did touch this topic i was searching for this topic cuz I think u got a book of your mistakes and I think it's a good time to go back n rectify our mistakes...yah neh Cash Cash is a demon'yana
I FELT THAT IMPULSIVE 😭😭😭 I AM IMPULSIVE EVEN WHEN SENDING TEXTS LIKE I CANT WRITE A PARAGRAPH AND SEND IT I WRITE SHORT MESSAGES VERY FAST, AND THE IMPULSIVE TALKING WHEREBY YOU REALISE LATER THAN SHIT I SHOULDNT HAVE TOLD THIS PERSON THIS THING
I swear i like your story telling, this is one of the reasons I loved “What’s your move”. I only started consulting a financial planner last year because it was offered to me for free. And it was life changing
Like I love hearing this. As a financial advisor I love hearing people who actually go out there and use those services. It's beneficial for you in the long run
@@millisentmcetwa7404 Hi,how do we contact you
Tell them my sister, they think they are doing us a favor when in actual fact they need proper financial planning as financial advisers.
Nicolette cela imali ye cold drink 😀😂
Amen sister!!!!
✋ guilty of impulsive buying but it has subsided since I started online shopping
Thank you Nico. I want to know if bulk buying is also helpful especially if you want to save money because l always buy groceries in bulks every month is it necessary
Wuuuh nkosyam... I can listen to you all day, everyday 😍😍😍🥰
7:33 "How you do anything is how you everything"
How to fine the best agent to get and take are of my property in a different province. And how agents work. They been giving me a tuff time.
My darling, let’s take it day by day! This week please don’t withdraw from your savings no matter what! 😅
That’s me with cash. The moment i have it, i feel generous…like ke nna Sol kerzner😢
Sis wam I know what you talking about, I'm a property addict as well and my properties give me a negative profit every month, but every year ngiyaythenga and everyday ngiku property24. I can't stop but anyway to be honest angizisoli ngalokho ngiyanda ukuthenga ama properties.
Wait wait wait wait. Property Stokvel? Is the first time I'm hearing about this. Can you please explain and maybe guide me to a group?
I'm guilty of everything you mentioned :(
😂😂😂😂 on the credit card story 😂😂
Which are your financial advisors you would recommend in South Africa?
No man. Success leave clues. There is thing that is called FUNDAMENTALS. Seasons Do Not Change. Aline yourself with the seasons
Thanks.
Can you do videos about December holidays? The festive is giving me anxiety
This was so interesting. In pointing out your mistakes, you're giving us a lesson too. Thank you.
😂😂😂That Demon 👿😈... Mara on a serious note, I need a emergency account, does fnb offer one?
Lol.. my goodness 32 days notice....u and I are the same.. i honestly need to fix my life
Any recommendations of financial books one needs to read please, just completed your book December and it's incredible, have to re-read it again ❤️
Try the Money Revolution by Zibu
The richest man in Babylon
Yoh the impulsive buying yoh
Lmao I basically live ka property 24 🤣🤣🤣.
I'm such an impulse buyer of clothes that I don't even wear🤥🤥one thing I need to work on this year
That was me at some point, I am so over fast fashion now I thrift. I want to learn how to make my own clothes as well not saying it will come cheap but I can make it work... Hope you are able to conquer this, good luck ☺️
Thank you, all the best to you
Haha I'd rather listen to you sis, coz I know you're talkin from experience. Not a piece of paper
Love your channel
Bathong Nico. I used to think you're the most disciplined person and you make no financial mistakes. Everytime I'm about to do a transfer from my savings to my cheque account . . . I hear your voice on my ear saying 'Don't ... Don't... DONT!' 🤣🤣🤣
Lol... You go like "what would Nicolette do?" 😂
@@senzombuzwa8256 exactly. 😂😂
😂😂😂
Hahaha all the financial gurus do that.
Well I have an emergency account thanks to you
hehehehhe me guilty of tipping like I've budgeted for it tjeeeeeer! 2023 nie meer nie
🤣🤣🤣🤣🤣🤣 this was so fun to watch
Cash, omg I love cash and when I am asked what do I want it for I say 'to have and to hold' I gotta do better though.
😂
🤣🤣🤣🤣🤣
You are one of my top Financial channels. You are great👌🏽
You Do Not Want It Enough cc
Property Question: Have you ever experienced non-paying tenants & not being able to get them out of your property? What is your advice regarding this?
I remember she has a story about this on her old old videos.
Draft a contract dear for them where u explain everything, an get thm a copy so they will knw when they get into ur property what they get themselves into simple dear
@@zee484 thanks Zee will search for it
@@therealpretty8443 Hi Pretty, they have a contract but they do not want to move out...have tried everything
@@nosibaloyi3149 the legal route is to get a court order for eviction which will take long ours took 3 months then we paid for the people who do the eviction once approved, it was R6500
I just love your authenticity Nicolette.
Your presentation was just fantastic. There were bouts of laughter. I identify with so much you've said. Thanks so much. A prosperous New Year to you.
hahahaahahahaha i totally relate with you
I appreciate you so much @Coco. I will listen again cause I missed others, I relate to the 32 days situation where I find myself paying the bank to use my money even though I understand I'm breaking the contract by wanting it within a day or so, I'm always angry at myself for this and I'm hoping I make proper plan so I don't go near that account when it's not necessary if I can't get it for free....... Thank you once again cause you are showing us that you can still make these mistakes because you are a human being. Let's correct our mistakes & do better ❤️
Despite me knowing, I save chucks only to go back n withdraw during the months, so basically I am not saving. i knows theres a fixed acc but i dont feel comfortable opening it...wow Im glad we could have a therapeutic session Nicolette.
Hai o right ke demoni🤪
I'm guilty of being an impulsive buyer 🤦♀️but it's a bit therapeutic looking at everything I bought though 😂
I bet you are my twin wena😂
I’m the same but what I’ve started doing is after I buy everything and enjoy looking at it, the next 2 days I just return it to the store unless it’s somethingl I really need
That's so me and then I find myself not even using most of what I bought 😥😂
Guilty too 😅