Makes me sad when people ask why I save and invest and tell me I should spend because you only live once. When covid came along and everyone was put on 40% salary (in my company) I was the one that did not have to change my life or sell my things and go into debt just to get by, I lived normal and maintained my regular investment instalments as if nothing had changed and I had a deep pool of funds to do it with.
I will forever appreciate you "Financial Bunny". You've helped my family a lot,since the pandemic till now your advices and lessons are inspirational and helpful to us. My husband and I have been able to be minimal, conscious in spending,saving and lnvesting wisely. We have able to earn on a weekly basis and it helps the family a lot. You're such a blessing to this generation. We all love♥️😊
Since my wife introduced to this I never miss a content and I'm happy for myself because I've learnt and taught my kids a lot. I'm happy for dear keep it up👍
@Russell Matthews I can share some that helped me 1. Plan towards it 2. Be frugal an minimal on spending (Don't buy what you don't need) 3. Save to (lnvest),it's a proven way to get richer. Very important to financial success
@Russell Matthews There's a lot of lnvesting options(real estate,stocks, crypto,airbnb,ETFS) but my best advice is get the services of a professional who will lead you into a successful and profitable one
Hi Nic, plz check your sound, there is a bit of eco. Nice presentation as always. Thumbs up! I will add my 2cent opinion to this debate. Let us recall about 80% of worker live paycheck to paycheck and they don't have any savings. So i am taking the rule of thumb was based on the fact that people don't save at all. Majority don't even have emergency fund. So saying save 10% of your salary is to try and male it easier. 10% of R10 is R1 10% of R1 000 is R100 10% of R10 000 is R1 000 To give a round figure like 10%, 15% is to try and simplify it and get into the habit of saving. Remember even if you have a goal to save doe for something but if you don't make it a habit 1st you might find it difficult to reach your goal. ... Thats what i think anyway based on the past experience. Until someone just said save a small amount i used to have a problem with saving because i thought it meant putting a large amount away. Now its in my blood, i put what ever i want away. Sometimes more, sometimes less. HABIT! I follow my goals easy because i now have the neccesary habit. Thanx once more. You do change people's lives!
I like what she says ... personal finance is personal, no one size fits all, u have to determine your own path and choices...the key here is live well beneath what you earn so that you can have... Savings Investments Disposable cash Happiness is a choice...as people we do not attach value into the same things...Well done Mashile , I wish my learned daughter can heed your advice...
Hey Financial Bunny, You might consider changing your channel to University of Financial Literacy cos wow you dish out some important information all the time!!!
I've noticed other people focus too much on the saving part. I've been having better results by focus on reducing my monthly costs as much as possible without making myself miserable. Naturally, if it's money that would otherwise be left at the end of the month, you'll be comfortable putting it aside.
@Financial Bunny, Nicolette, I'm not sure if you're aware, there is someone on your platform that's reaching out to your subscribers with a foreign number asking people to put money on a Bitcoin platform saying it's part of your outreach programme. Just thought to make you aware.. This person gives out watsap numbers but when asked to give assurance it's you, they can't...I asked for a voicenote or video call but they couldn't verify its you
THANK YOU, I've been trying to inbox you on facebook to confirm if its really you on my WhatsApp, coz i never trusted it not for 1second-Lol people dont rest hahahahaaaaa!!!
Don't know what Financial Bunny will say but balloon payment has no advantages unless you are talking about advantage for banks. It is a trap to make you think you can afford a car you cannot really afford. The banks know if you do not have the balloon payment amount for a initial deposit you will not have it for the last payment. The banks bet on you trading in your car before then than they can give you less money & you just have a new car with even bigger balloon payment. Or refinance the balloon payment. If you lose your car through theft, highjacking or write off even when the insurance pays out the book value of the car you WILL be stuck with a huge debt you are responsible for even though you do not have a car. In most cases you will end upside down on a car loan = owning more than the car is worth. It's a bad financial decision for most people.
The crypto market has been unstable. People ask themselves now which coin to hodl better or if this is the right time to invest? before jumping to a conclusion I think you should take a look at things first.bitcoin price fall means analysts remain divided over whether it is entering a bear market or is just suffering a brief correction on the road to more record highs. Investors who bought early are still in profit despite the recent price crash and they also earn by tradin.
This the right timing to invest, trade and start MINING Bitcoin and other crypto currencies,cuz the Bitcoin chart is currently volatile and it's likely to rise anytime from now and investors will earn massive profits
Saving is foundational to investing. You can’t start investing if you jump the investing. You actually need both I agree with you. Save, and then invest.
Nicolette, your lessons have spurred my financial freedom plan in a major way. If you would, please do a video pertaining investing in the stock market as a business vs an individual
Coolies. I have actually just started that Journey with Satrix Now where I am investing in the stock market as a business. Shouldn't be much difference
Thank you kindly. Also please delve into the details of the type of business (entity) one needs to register , the legalities and tax treatment differences regarding dividends, profits etc.
@@FinancialBunny Satrix Now ? hope you get to ask them when they will fix their app, since i open Satrix now, after that mobile app stopped working , been 3 months on apple, then funny enough , Satrix Now then appeared on easyequities , my question is, did they move their portfolio into Easyequities or they merged , or only now works on internet , not mobile app, i have more questions about Satrix Now , just no answers , i registered on thier mobile app because of hearing about it on Money Market on 702 , but ay bandla , savelelwa :-(
I totally get you someone almost bit my head off when they said people should not build houses in the village because they dont generate income and I said people are different and situations are different, he said we could sleep at lodges when there are events and I said some villages dont have lodges. Ijoo I ended up keeping quiet because the fans also came for me. It's like you said Its personal
Financial Advisors do a needs based analysis for each client and the "save 7.5%" is based on the ability of the client to save as well as the client's Short, Medium and Long Term goals
Quick hack on getting rid of the echo in the background. Need ×4 sticks (broom/mop) or any stick that's long like the above mentioned. ×2 blankets Use 2 sticks on either side, make sure they are placed vertically, then throw the 1 blanket on the 1 side and the other on the other side. Then place out of frame near both your sides. That's it. It will help with the echo
@@achatwithgoitse if using the camera mic or mic attached to the camera yes, but preferably parallel to her sides (like creating fake walls that are almost close to her), so when she speaks her voice doesn't escape into the room
Bonus . . . Denise was pimping Roseline 😅 I see you 😏 Believe everyone needs to adjust financial systems according to their financial lane. Dont go above nor below just be able achieve consistency 😉
The ideal is to make sure that you save and invest. if your financial freedom is tied to acquiring assets that make you passive income then you will need to invest more
This has helped me a lot, I am saving for my lil brother and I don't even know how much I want to save. It's stressful because I don't know how to calculate how much to save.
The principle that you need to invest 15% of your income for retirement is a base case. Its founded on the assumption that, if you start investing from when you start working (age: 23-24) and want to keep your lifestyle the same at retirement then 15% invested without any withdrawals should cover your expenses. However, if you to do other things at retirement like you said holidays, planes and etc then obviously you will need to invest more. Total agree that it should be personal given that people want different things.
It's still incorrect because life happens. Unfortunately with over 54 million people lets say in SA the blanket approach with predictions just doesn't cut it any more
Personally - I want my ideas to be taken seriously,already created a blueprint of a start up well functioning economy,Plan on starting with RURAL,CITY,PROVINCIAL,COUNTRY/S AND WE'LL SEE WITH ZIMBABWE AND SURROUNDING COUNTRY'S. These elements are fighting me. Long term BILLIONAIRE to potential TRILLIONAIRE. DIGITAL MARKETING & HEADS OF STATE ARE KEY . . . *INCLUSIVITY & ACCESSIBILITY.* LOCAL IS LEKKER😉
Beautiful cup 😊 Or maybe someone left it by mistake . . . Kind of messed up. Would go along well with a piece of cake. Eyes wide open like a pup . . . I like the style too when I wake . . .
Your angles threw me off 🤔 had to actually use your environment to determine your height . . . It's alright,doesn't make a difference at night . . . Or rather evening between six and eight 🤔 💐😊
Oh yes... They have been lying for year this so called financial advisor... They come to my work place every month and since I have been following you, I don't even go listen to their presentation... Thank you Nicollet for always preaching the truth when it comes to money💯💯💯
Makes me sad when people ask why I save and invest and tell me I should spend because you only live once. When covid came along and everyone was put on 40% salary (in my company) I was the one that did not have to change my life or sell my things and go into debt just to get by, I lived normal and maintained my regular investment instalments as if nothing had changed and I had a deep pool of funds to do it with.
I will forever appreciate you "Financial Bunny". You've helped my family a lot,since the pandemic till now your advices and lessons are inspirational and helpful to us.
My husband and I have been able to be minimal, conscious in spending,saving and lnvesting wisely. We have able to earn on a weekly basis and it helps the family a lot. You're such a blessing to this generation. We all love♥️😊
Financial Bunny is more than a blessing to us. She has changed lot of families and teenagers. We all love you♥️
Since my wife introduced to this I never miss a content and I'm happy for myself because I've learnt and taught my kids a lot. I'm happy for dear keep it up👍
I'm very happy for you dear keep we all know this channel help people a lot and gives us positive decision. I will like to learn from you too
@Russell Matthews I can share some that helped me
1. Plan towards it
2. Be frugal an minimal on spending
(Don't buy what you don't need)
3. Save to (lnvest),it's a proven way to get richer.
Very important to financial success
@Russell Matthews There's a lot of lnvesting options(real estate,stocks, crypto,airbnb,ETFS) but my best advice is get the services of a professional who will lead you into a successful and profitable one
Hi Nic, plz check your sound, there is a bit of eco. Nice presentation as always. Thumbs up!
I will add my 2cent opinion to this debate. Let us recall about 80% of worker live paycheck to paycheck and they don't have any savings.
So i am taking the rule of thumb was based on the fact that people don't save at all. Majority don't even have emergency fund. So saying save 10% of your salary is to try and male it easier.
10% of R10 is R1
10% of R1 000 is R100
10% of R10 000 is R1 000
To give a round figure like 10%, 15% is to try and simplify it and get into the habit of saving. Remember even if you have a goal to save doe for something but if you don't make it a habit 1st you might find it difficult to reach your goal.
... Thats what i think anyway based on the past experience. Until someone just said save a small amount i used to have a problem with saving because i thought it meant putting a large amount away.
Now its in my blood, i put what ever i want away. Sometimes more, sometimes less. HABIT! I follow my goals easy because i now have the neccesary habit.
Thanx once more. You do change people's lives!
@Pinned Financial Bunny the audacity!!!
I just love your content Nicolette , really appriciate you .
Your skin🔥🔥🔥🔥.... soo gorgeous. Content always on par.
I like what she says ... personal finance is personal, no one size fits all, u have to determine your own path and choices...the key here is live well beneath what you earn so that you can have...
Savings
Investments
Disposable cash
Happiness is a choice...as people we do not attach value into the same things...Well done Mashile , I wish my learned daughter can heed your advice...
Am new subscriber girl you have that thing confidence your open eye to us who eat all apple and after we run to machonisa
You definitely dropped facts on YFM this week, appreciate it.
Ahh thank you so much
Can't believe I missed that.
On who's show was she on? Might try catch the interview on the Yfm app
@@obakengleseyane6493 On the Night Cap with Lula
The apply analogy is very good!
Hey Financial Bunny, You might consider changing your channel to University of Financial Literacy cos wow you dish out some important information all the time!!!
This is super helpful Nic❤
Unzima Girl..... Salute.... You know currently I'm based in Doha due work and you right, these 15% thing does not work....
You speak with such conviction. I love it❤.
Your energy my sister is a whole vibe... You make financial topics interesting and most of us find that topic boring
Buy that jet 😍😍😍
I've noticed other people focus too much on the saving part. I've been having better results by focus on reducing my monthly costs as much as possible without making myself miserable. Naturally, if it's money that would otherwise be left at the end of the month, you'll be comfortable putting it aside.
Please make a video explaining ETFs of property stocks
It’s the education and the vibes here ✨🙌🏾🙌🏾😍😍
Shuu the apples analogy is so enlightening 🙆🏾♀️👏🏾👏🏾
@Financial Bunny, Nicolette, I'm not sure if you're aware, there is someone on your platform that's reaching out to your subscribers with a foreign number asking people to put money on a Bitcoin platform saying it's part of your outreach programme. Just thought to make you aware..
This person gives out watsap numbers but when asked to give assurance it's you, they can't...I asked for a voicenote or video call but they couldn't verify its you
There are scammers here and they are not ashamed
😂 their English is suspect...
The power and importance of setting goals for ourselves. Thanks for reminding us.
“Don’t get stuck in what other people say you should be doing “🙏
Go away you thief 🔥🔥🔥🔥
Go busy koo entrepreneurship ..truth!
Entrepreneurship is not neww yorrkkkkk concrete jungle 😂😂😂😂😂
Off topic.....You look amazing...hair on point😍
I love your personality and thank you for all the financial tip and chats
I just have one question 🤣🤣🤣😂😂 do you drive a private jet or fly a private jet? 🤣🤣😂😂 Love the energy Sis
If I earn R7000 I save R1000, I invest R1000
Where is that scammer? Let’s report and block them
Please do report the when you see them Argh
They have been on this channel for awhile now. Every comment I see them in I report them or if I see someone responded & is interested I warn them.
Enkosi cc❤️🙌🏾
THANK YOU, I've been trying to inbox you on facebook to confirm if its really you on my WhatsApp, coz i never trusted it not for 1second-Lol people dont rest hahahahaaaaa!!!
No worries
Thank you so much big sister you really changed my life 😭❤️
How much to save or invest is derive d from your life style right now. Where you stay, what you eat, where do you go for medicals etc
Thank you very much Ntombi endala 😊 you've help me alot about financial behavior
Yes, that blanket approach is not for everybody. Utsho kwavokotheka crush yam😍
Can you please do a video on advantages and disadvantages of baloom payment?
Don't know what Financial Bunny will say but balloon payment has no advantages unless you are talking about advantage for banks. It is a trap to make you think you can afford a car you cannot really afford. The banks know if you do not have the balloon payment amount for a initial deposit you will not have it for the last payment. The banks bet on you trading in your car before then than they can give you less money & you just have a new car with even bigger balloon payment. Or refinance the balloon payment. If you lose your car through theft, highjacking or write off even when the insurance pays out the book value of the car you WILL be stuck with a huge debt you are responsible for even though you do not have a car. In most cases you will end upside down on a car loan = owning more than the car is worth. It's a bad financial decision for most people.
@Bee West I just saw a video of her explaining it and boy it's an offer I'd never take
Your ingenuity is gold! Thank you 🙌🏾 @financialbunny
I need a mentor 🤲
I JUST GOT INTO BITCOIN TRADING WITH THE LITTLE I HAD LEFT AFTER THE CRASH. JUST MADE MY FIRST PROFIT WISH I KNEW ABOUT THIS EARLIER.
The crypto market has been unstable. People ask themselves now which coin to hodl better or if this is the right time to invest? before jumping to a conclusion I think you should take a look at things first.bitcoin price fall means analysts remain divided over whether it is entering a bear market or is just suffering a brief correction on the road to more record highs. Investors who bought early are still in profit despite the recent price crash and they also earn by tradin.
This the right timing to invest, trade and start MINING Bitcoin and other crypto currencies,cuz the Bitcoin chart is currently volatile and it's likely to rise anytime from now and investors will earn massive profits
Bitcoin trading nowadays is a big change to make money
BITCOIN: IS THE ONLY TRUE DEMOCRACY EVER EXISTS IN THE WORLD
Buy and invest in bitcoin and other cryptocurrency today!!!!
Saving is foundational to investing. You can’t start investing if you jump the investing.
You actually need both I agree with you.
Save, and then invest.
Nicolette, your lessons have spurred my financial freedom plan in a major way.
If you would, please do a video pertaining investing in the stock market as a business vs an individual
Coolies. I have actually just started that Journey with Satrix Now where I am investing in the stock market as a business. Shouldn't be much difference
Thank you kindly.
Also please delve into the details of the type of business (entity) one needs to register , the legalities and tax treatment differences regarding dividends, profits etc.
@@FinancialBunny Satrix Now ? hope you get to ask them when they will fix their app, since i open Satrix now, after that mobile app stopped working , been 3 months on apple, then funny enough , Satrix Now then appeared on easyequities , my question is, did they move their portfolio into Easyequities or they merged , or only now works on internet , not mobile app, i have more questions about Satrix Now , just no answers , i registered on thier mobile app because of hearing about it on Money Market on 702 , but ay bandla , savelelwa :-(
I totally get you someone almost bit my head off when they said people should not build houses in the village because they dont generate income and I said people are different and situations are different, he said we could sleep at lodges when there are events and I said some villages dont have lodges. Ijoo I ended up keeping quiet because the fans also came for me. It's like you said Its personal
Financial Advisors do a needs based analysis for each client and the "save 7.5%" is based on the ability of the client to save as well as the client's Short, Medium and Long Term goals
Ke kopa go re AMEEEEEEEN!!!! Thank you👏👏👏👏👏👏👏👏
Lmao like you really sang Empire State of Mind so randomly
I saw that U.S number and just reported it lol
Quick hack on getting rid of the echo in the background.
Need ×4 sticks (broom/mop) or any stick that's long like the above mentioned.
×2 blankets
Use 2 sticks on either side, make sure they are placed vertically, then throw the 1 blanket on the 1 side and the other on the other side. Then place out of frame near both your sides. That's it. It will help with the echo
Close to her or camera or??? U just hang the blankets on the sticks that's it? How far apart should the sticks be from each other
@@achatwithgoitse if using the camera mic or mic attached to the camera yes, but preferably parallel to her sides (like creating fake walls that are almost close to her), so when she speaks her voice doesn't escape into the room
@@achatwithgoitse about 4 feet apart, yes you just hang it
Heban, is this Nicoĺlette wako Daily Thetha?? Ay no ways maybe it's her Twin.
@Pinned Financial Bunny Nzok'shaya mfanam!
This is eye opening . I’m glad I listened
Keo rata jwang hle! 💕 I love how you speak simplicity, something even me with no money can follow 👌🏽
UYAKOPA😅🤣🤣🤣
Bonus . . .
Denise was pimping Roseline 😅 I see you 😏 Believe everyone needs to adjust financial systems according to their financial lane. Dont go above nor below just be able achieve consistency 😉
Ideally you should try to save/ invest more than what you spend
The ideal is to make sure that you save and invest. if your financial freedom is tied to acquiring assets that make you passive income then you will need to invest more
Nicolette be sounding violent only to find out that’s how she is..
Life can scam you itself..🤣😂🤣😂
Lol, I'm reading her book and trust me, I just hear this voice as I'm reading & I feel convicted. 😂
@Pinned Financial Bunny hhay suka
Vele mtase 2021 concluded in one video next please hehe
Loved this❤️❤️❤️you look amazing
Very profound! 👌
There's no one size fits all.❤️
Thank you for this video Nicolette! Very insightful.
"do you know that I want to drive a private jet" 😭😭
spot on..... PERSONAL
🤔💖
I have seen another Nicolette respond my text twice telling me how she invest in Bitcoin and I knew it wasn't you.
This has helped me a lot, I am saving for my lil brother and I don't even know how much I want to save. It's stressful because I don't know how to calculate how much to save.
Very insightful video. Thanks for sharing!👍👊💓💓💓
The principle that you need to invest 15% of your income for retirement is a base case. Its founded on the assumption that, if you start investing from when you start working (age: 23-24) and want to keep your lifestyle the same at retirement then 15% invested without any withdrawals should cover your expenses. However, if you to do other things at retirement like you said holidays, planes and etc then obviously you will need to invest more. Total agree that it should be personal given that people want different things.
It's still incorrect because life happens. Unfortunately with over 54 million people lets say in SA the blanket approach with predictions just doesn't cut it any more
They just giving a guide. Sometimes we do ask 4 the no.s bcoz we completely clueless
Very profound! 👌
Heeeee Nicolette now I'm left with this urge to go to New York eish, great video sisi
Thank you!❤
only spend 20% of your income....if you want to spend more increase your income... continue to grow that income until you only spend 5% of it....
Realistically for most S.Africans this is not viable.
Which camera are you using?
Brutally honest. I love it
I love your content, I often get lost in the investing conversation and forget the biggest money rule, LIVE BELOW YOUR MEANS
Your videos are so informative ❤️
Personally - I want my ideas to be taken seriously,already created a blueprint of a start up well functioning economy,Plan on starting with RURAL,CITY,PROVINCIAL,COUNTRY/S AND WE'LL SEE WITH ZIMBABWE AND SURROUNDING COUNTRY'S. These elements are fighting me. Long term BILLIONAIRE to potential TRILLIONAIRE.
DIGITAL MARKETING & HEADS OF STATE ARE KEY . . . *INCLUSIVITY & ACCESSIBILITY.* LOCAL IS LEKKER😉
Beautiful cup 😊
Or maybe someone left it by mistake . . . Kind of messed up.
Would go along well with a piece of cake. Eyes wide open like a pup . . .
I like the style too when I wake . . .
Out of data,going - MIA so I'll do what I do best . . . Be that one embarrassing guy
Ocean Basket
Closed curtains
Bellagio fountains
Open casket
😉💐🤍
Your angles threw me off 🤔 had to actually use your environment to determine your height . . . It's alright,doesn't make a difference at night . . . Or rather evening between six and eight 🤔
💐😊
Great shows . . .
Cant just vanish Nicolette . . . Skhambane🤔 or is it family time.
I appreciate your advice ,you speak the truth
I like your content but please don't discourage people from seeing a financial Advisor if they need help
Where do you see me doing that?
those crypto tokoloshes are at it again ! i hate those guys.
Lol, love this😂😂😂, haibo do we drive jets like cars as well na 🤣but very informative really love the msg though it's absolutely true
666 likes the devil is a liar.
Insightful mama.Thank you
The passion here! Keep it flowing.
Thank you Nicollete
You are the best i love you💓💖
Vayolensiiiii🔥😂🤌🏼🤌🏼🤌🏼🤌🏼
Oh yes... They have been lying for year this so called financial advisor... They come to my work place every month and since I have been following you, I don't even go listen to their presentation... Thank you Nicollet for always preaching the truth when it comes to money💯💯💯
Best advice ever!!!!!!!!!!!!!!!
Your new name is Apples😊... Nice example and on point.
I love your energy 😂❤️.
Preach!
👌🏽👌🏽
Wooow 👏👏👏. Simple and straight foward. 🙏 🙏🙏 for this.Uyathetha,well done sisi
Is this your number?
Amazing, as always!! Basically there’s no blanket approach.🙌🏾
Yes! Thank you!
Great video.
It's the singing for me 😭 😂 😂 😂
❤️