@gladsoul I'm what they call "bash mechanic" I do engine overhaul, cluch overhaul and scheduled service, basically everything but not electric and body work.
I just really want to thank you so much for your platform and your channel. ✨I really want to thank you for giving all this information and wisdom for Free. I’ve been following you for about three years now and I really changed my financial situation from Zero to where I am now. I moved to Germany completely on my own and I started my studies with zero money but today I actually have savings. I am starting to invest now and I’m actually making something with my money. I really hope you never stop posting even though you go MIA sometimes LOL. 😂❤
@FinancialBunny I literally have no budget. I just spend my money willy nilly. But I have created a spreadsheet and this will change in 2025. A bit addicted to online shopping
This advice has just shown me just how much I've actually grown by using all your advises. I'm still a little guilty of dipping from savings now and then. But im really doing better and certainly gonna do much more better next year. Thank you 😇
I really love Nicolette , I have been following you for years and I love how informative your videos are. Hope to see more in the new year but I am definitely going to implement the tips shared in this video.😍🤩
Thanks for the video at a time when I'm job hunting reflecting on all these mistakes I have made when working 😢😮now the minute I start working I know how to best manuvure finance and best approaches 🎉❤
Thank you Nico, the video is great, especially the last aspect you touched on, even though it can be a difficult to do, discussing finances with your friends or a life partner
Hi Nicolette, you are so beautiful Sisi ❤️. Thank you so much for your financial advices. I've grown alots from it and I now own a car that I was able to pay for 😢within two years because of your teachings. Thank you 🎉
I learn a lot from you about money, I implement some of the things and change them over time to what works for me best. Family and friends don't understand the financial literature, savings and investing. Kodwa kancane kancane sofika.
Hi Bunny thank you for great content as always. I have saved up 10k for the first time In my life but now I don't know what to do with it I've also paid off all my debts left with 2 cars to go which 1 is left with 35k ...it was a balloon
The avg. American is having a tough time, I know I am not alone. There are others in same position as me. By certain statistics: 22% of americans have no retirement savings. 64% are worried that they will not have money in latter years while 47% of adults who are not yet retired think they have to work part-time in retirement. How can I best grow the 100k I have saved seperately outside retirement access which of course had depleted over the years?
It's recommended to save at least 20% of your income in a 401k. You can use online calculators to estimate how much you should save based on your age and income. Saving at least 20% of your income in a 401(k) can help ensure that you have enough money to retire comfortably. By saving this much, you can take advantage of compound interest and potentially grow your retirement savings over time.
Effective personal finance management is more important than the amount of money saved, regardless of whether income is earned through job or investment. Individuals can seek counsel from a certified financial advisor to optimize financial outcomes, who can provide specialized advice and methods to decrease expenses and maximize income.
I completely agree; I am in my mid 40s, approaching retirement, and have approximately over 2million dollars in external retirement funds. I am debt free and have very little money in retirement funds compared to the total value of my portfolio over the past three years. To be honest, the Fin-advisor can only be neglected, not rejected. Just do your due diligence to identify a fiduciary one.
I think this is something I should do, but I've been stalling for a long time now. I don't really know which firm to work with; I feel they are all the same but it seems you’ve got it all worked out with the firm you work with so i surely wouldn’t mind a recommendation.
Certainly, there are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’Marisa Michelle Litwinsky’’ for about three years now, and her performance has been consistently impressive. She’s quite known in her field, look-her up.
I don't think it's practical to save first then cover expenses. The reality is the cost of living right now is a quite high, ww really are living hand to mouth, so if you save first you won't have enough for expenses and will ens up with accumulated debt.
I'm classified as unemployed but to date I saved 23k this year and last year it was 15k, just by watching such videos
Where do you get the money?
@gladsoul I'm what they call "bash mechanic" I do engine overhaul, cluch overhaul and scheduled service, basically everything but not electric and body work.
Great job 👏
I just really want to thank you so much for your platform and your channel. ✨I really want to thank you for giving all this information and wisdom for Free. I’ve been following you for about three years now and I really changed my financial situation from Zero to where I am now. I moved to Germany completely on my own and I started my studies with zero money but today I actually have savings. I am starting to invest now and I’m actually making something with my money. I really hope you never stop posting even though you go MIA sometimes LOL. 😂❤
Ahhh this is amazing. Well done. It was a hard year but I’m back
4:40 Parkinson's Law - "Work expands so as to fill the time available for its completion"
Great video Nicolette❤
Yes! Thank you! Gape Sekgowa failed me 😂😂😂
Thank you so much for the sound financial advice over the years. Bad habit is definitely having no budget, overdraft facility and online shopping
Where are you struggling with the budget?
@FinancialBunny I literally have no budget. I just spend my money willy nilly. But I have created a spreadsheet and this will change in 2025. A bit addicted to online shopping
This advice has just shown me just how much I've actually grown by using all your advises. I'm still a little guilty of dipping from savings now and then. But im really doing better and certainly gonna do much more better next year. Thank you 😇
You got this!
Nicolette, to be honest comparing my budget to my bank statement is difficult cause I overspend on food & petrol always! Food is expensive
I really love Nicolette , I have been following you for years and I love how informative your videos are. Hope to see more in the new year but I am definitely going to implement the tips shared in this video.😍🤩
A lot of people think budgeting is easy but they never do that exercise of comparing the actuals on the bank statement with what was planned.
Just completed building my house back home in the villages 😊, hoping to kick off 2025 with a banger in terms of savings
19 minutes of my evening well spend. Thanks Nicolette❤
Thank you so much Bunny, I feel so much better after listening to you , may God bless you abundantly ❤
You are so welcome. Same to you 🤩
Thanks for the video at a time when I'm job hunting reflecting on all these mistakes I have made when working 😢😮now the minute I start working I know how to best manuvure finance and best approaches 🎉❤
Your content is always 5 star. I learn something new all the time
Keep up the great work👏🏾👏🏾
Oh I appreciate you so much
Your content is always 5 star. I learn something new all the time
Keep up the great work
I appreciate that!
Super grateful for your consistency and educative video!
Thank you Nico, the video is great, especially the last aspect you touched on, even though it can be a difficult to do, discussing finances with your friends or a life partner
Thank you Nicolette ❤
Hi Nicolette, you are so beautiful Sisi ❤️. Thank you so much for your financial advices. I've grown alots from it and I now own a car that I was able to pay for 😢within two years because of your teachings. Thank you 🎉
Love these journals 😍OMW need one asap!
Right? Brilliant concept ,also getting myself the pink one
Thank you so much. Here is the link financial-fitness-bunnies.myshopify.com/
Thank you! I learnt a lot from you and yourrrrr boooooook! Absolutely amazing 👏
This is very realistic thank you
Habit 2 and 3. Oh nkosyam give me the strength to leave behind 😢
Ko frostana blind mfanaka, thank you for sharing the knowledge …
Great show always 🎉🎉
Just checked.
Spending less than 30% on my car . 😮relieved
I've been paying myself first for the past 2 months
Thank you for the clear easily understandable advice over the years❤
Glad it was helpful!
Thankyou so much Nicolette ❤
My absolute pleasure
I learn a lot from you about money, I implement some of the things and change them over time to what works for me best. Family and friends don't understand the financial literature, savings and investing. Kodwa kancane kancane sofika.
Hi Bunny thank you for great content as always. I have saved up 10k for the first time In my life but now I don't know what to do with it I've also paid off all my debts left with 2 cars to go which 1 is left with 35k ...it was a balloon
Do you have emergency savings?
@@FinancialBunny no mam
❤🎉thanks fr the advice but can your intro please change next yr to im a financial advisor and im registered. Your advice is solid why not get licensed
Shooooo I have zero interest hey. Lol
Thank you so much Nicolette, really improving my finances bcs of your content and lessons one on one, No 4 bawo🙆🏻♀️
You're so welcome! Let’s leave number 4 here in 24- doesn’t even fit in 25
habit No3 🥺🥺😭guilty as charged. I am living that bad habit in 2024 God help me
Guilty, those savings transfer just had me 😭 I must do better
Thank you so much for the sound financial advice Nicolette highly appreciated.
Doesn't not constitute as Financial Advice 😅😅😅😅😅😂😂😂😂😂😂 registered ®️ with the Fsid
@@knowledgembeuserua3407 totally forgot that part '
I heard you say unit trusts. Please make a video on them or if you have please link it😊
Thanks Nicolette.
You must not spend more than 30% of your salary on a car.. Dankie ngwana mmane❤
Thanks for watching
I literally spend 50% of my income on petrol every month , car is paid up though but im struggling 😭
@@ScissorNthats a lot why don't you consider moving closer to work..
The avg. American is having a tough time, I know I am not alone. There are others in same position as me. By certain statistics: 22% of americans have no retirement savings. 64% are worried that they will not have money in latter years while 47% of adults who are not yet retired think they have to work part-time in retirement. How can I best grow the 100k I have saved seperately outside retirement access which of course had depleted over the years?
It's recommended to save at least 20% of your income in a 401k. You can use online calculators to estimate how much you should save based on your age and income. Saving at least 20% of your income in a 401(k) can help ensure that you have enough money to retire comfortably. By saving this much, you can take advantage of compound interest and potentially grow your retirement savings over time.
Effective personal finance management is more important than the amount of money saved, regardless of whether income is earned through job or investment. Individuals can seek counsel from a certified financial advisor to optimize financial outcomes, who can provide specialized advice and methods to decrease expenses and maximize income.
I completely agree; I am in my mid 40s, approaching retirement, and have approximately over 2million dollars in external retirement funds. I am debt free and have very little money in retirement funds compared to the total value of my portfolio over the past three years. To be honest, the Fin-advisor can only be neglected, not rejected. Just do your due diligence to identify a fiduciary one.
I think this is something I should do, but I've been stalling for a long time now. I don't really know which firm to work with; I feel they are all the same but it seems you’ve got it all worked out with the firm you work with so i surely wouldn’t mind a recommendation.
Certainly, there are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’Marisa Michelle Litwinsky’’ for about three years now, and her performance has been consistently impressive. She’s quite known in her field, look-her up.
This was very informative i thought i knew money i know nothing shem😢😢😢
Nicely done
for the car part, 30% of your income before or after deduction?
6:10 yoh and that's the bad habit I'm vowing to leave in 2024. Basically leaving well within my means
Leave it mama it has not serviced you so far
Love the content
Hi Sis.. I hear a lot of people mispronounce the word "awry". It is actually pronounced as "ah-rai". Thanks for the nice financial tips!
Thanks for the info!
hi about paying your yourself first how many percentage would you recommend?
After using retirement calculator, I am afraid to get old😂😂😂😂
hhahahaha unfortunately it is. one of those things
May you please share a link for that calculation. I would like to try myself
Im taking notes
Nicolette please post a link on where to purchase your journal.
Hey mama here you go financial-fitness-bunnies.myshopify.com/
Guilty of saving then using my money in the third week 😭
Hey, where can l get your Journal in Namibia?
Here you go financial-fitness-bunnies.myshopify.com/ I have someone from Nam visiting so she will come back with them next week
Hi, lady where can I get financial planner ? they charge how much roughly?
Hey Sunshine financial-fitness-bunnies.myshopify.com/ R355
I am guilty shame💔🤦🏽♂️, yabona that moving money around tendency 🤦🏽♂️
Chomi are you saving or transacting?
@@FinancialBunny I save and then later I come back to transfer that money out bit by bit💔
Where can I get the budget binder?
Hey financial-fitness-bunnies.myshopify.com/
Hi
How do we buy the journal?
Hey here you go financial-fitness-bunnies.myshopify.com/
R1500 yako foschini dont want to end 😢
I need one in Botswana
I call week 3; mampara week 😅
She even forgot the disclaimer 😂"my videos constitute as financial advice" ke goreng.? Nicollet o wrong 😂😂😭
❤❤
11:05 who is we. How many are you in the business? Just genuinely curious, ous Nichollette
Are you asking how many people we hire?
Hi, the sound is not great. Send it to me so I can clean it for you.
Aus Nic ke kopa ho thusa ka audio😥
Siyabonga
Extremely beautiful woman. Wow.😊
Wow, thank you
The law is called Parkinsons law.
I don't think it's practical to save first then cover expenses. The reality is the cost of living right now is a quite high, ww really are living hand to mouth, so if you save first you won't have enough for expenses and will ens up with accumulated debt.
Why is it not practical? they tax you first before you spend what wouldbe he difference?
@FinancialBunny I think k saving first actually forces us to live within or below our means...creating modest money habits.
Lol a couple of mistakes has been made because of your scarcity but thanks to what's your move
Buka ke bokae?
R345
Parkinson law
You scammed me , I will never forget. You will get what's coming for you.
❤❤❤