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
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 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.
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🤣🤣🤣
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 ❤
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!!!
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! 😊
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
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 😥
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
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 😭😭😭
My money mistake I keep making is buying airtime in my banking app 😢😢😢😢😢I am done ✅ I am done ✅ I even deleted the app but I had to redownload it…Being. A TH-camr is going to kill me cos if my Wifi is acting up I’m buying artime now and upload a video 😢😢😢😢😂😂😂
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 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
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!' 🤣🤣🤣
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 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.
So do you feel that I'm disabled and far from disable I promise you like you really knew me you wouldn't think nowhere near thinking disabled.... I'm sorry about not speaking just because I didn't promise you I'm not disabled
😂😂😂 this video is too transparent but I believe you’re at a better position to do something about your issues when you’re transparent about it to yourself.😉
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
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…
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.
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
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.
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
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 ☺️
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 know how a credit card works and it’s benefits & so forth but I know how impulsive I am with money so I just don’t have a credit card. I don’t need it.
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
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 appreciate her honesty. These are the kind of teachers whom I can associate with. She does not hide her mistakes.
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
That's me with my 32 days notice account 🤣🤣🤣... I hate a notice.. I can't wait that long if I want something now
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
I love the authenticity. But am requesting for translation to some of the words. Am from Uganda and i enjoy this channel
Hi F. Bunny, whats your take on Life Cover. Paying 900 monthly. Currently unemployed. My main source of income is from real estate investments.
Weeeh Nicolette 🙆♀️😂😂😂😂 immediately when you say “but somehow” I die 🤣🤣🤣⚰️
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
How do I get ahold of you for financial advice and how to invest my money?
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.
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?
it is the psychology of money...this is the cause of apprehension.... and dangerous
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
Lmao I basically live ka property 24 🤣🤣🤣.
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 ❤
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!!!
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 cash. The moment i have it, i feel generous…like ke nna Sol kerzner😢
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
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
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 😥
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 have a problem with impulsive buying and this definitely inspired me to do better
I hope this helps me to do better this year
Mara you are a star waitsi💐💐
I put a spending sanction on myself because of video that you did 😂. That time you don't have one😂
I like your teachings that's why I also bought and read "What's your move"
Absolutely love this video😂😂😂
😂😂 Nicolette wa mpolaya! Thanks for your honesty, it makes me not feel bad about my impulsive tendencies, I’ll work at them
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 Love you, Cant stop watching
😂😂😂 Akere the cash thing bare its supposed to make paying painful so you can control your spending. but hei nooo
My darling, let’s take it day by day! This week please don’t withdraw from your savings no matter what! 😅
Please advise or suggest which property stokvel I can invest in
My money mistake I keep making is buying airtime in my banking app 😢😢😢😢😢I am done ✅ I am done ✅ I even deleted the app but I had to redownload it…Being. A TH-camr is going to kill me cos if my Wifi is acting up I’m buying artime now and upload a video 😢😢😢😢😂😂😂
One thing about Nicolette, she is very honest and tell it like it is😍😍
Well I have an emergency account thanks to you
😂😂😂That Demon 👿😈... Mara on a serious note, I need a emergency account, does fnb offer one?
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
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 are kindred spirits🤣 But the good news is I've made progress in correcting myself.
Nicolette cela imali ye cold drink 😀😂
Weeeh Nicolette 🙆♀️😂😂😂😂
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 this honesty. Truly has made me respect you even more 💐👏🏼👏🏼👏🏼
add betway next time. betway is taking everythng we have
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.
I'm guilty of everything you mentioned :(
Lol I love your honesty😍
No man. Success leave clues. There is thing that is called FUNDAMENTALS. Seasons Do Not Change. Aline yourself with the seasons
Haai shem I solute your honesty ma'am 🙌🏾❤️🔥
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 really like and appreciate this video ❤️🥰, very relatable plus it was funny 😅
This was actually funny😂 but I appreciate your videos... Very educational✨
Thank u for this video yoh
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.
Hey Nicolette, GREAT video once again. You speak beautiful Afrikaans by the way. Thank you for your videos and sharing your knowledge.
So do you feel that I'm disabled and far from disable I promise you like you really knew me you wouldn't think nowhere near thinking disabled.... I'm sorry about not speaking just because I didn't promise you I'm not disabled
A fav always.
😂😂😂 this video is too transparent but I believe you’re at a better position to do something about your issues when you’re transparent about it to yourself.😉
Tell them my sister, they think they are doing us a favor when in actual fact they need proper financial planning as financial advisers.
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!!
Your book is changing lives! One thing for sure ❤
Lol.. my goodness 32 days notice....u and I are the same.. i honestly need to fix my life
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
Haha I'd rather listen to you sis, coz I know you're talkin from experience. Not a piece of paper
😂😂😂😂 on the credit card story 😂😂
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.
I love your transparency
So that card needs to be reported lost or stolen most definitely you hadn't allowed anyone to use it right
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…
Thank you. Its deep.
7:33 "How you do anything is how you everything"
Yoh the impulsive buying yoh
hehehehhe me guilty of tipping like I've budgeted for it tjeeeeeer! 2023 nie meer nie
hahahaahahahaha i totally relate with you
You are very beautiful mama
You Do Not Want It Enough cc
You such a clown, I love it!
Amen sister!!!!
Hai o right ke demoni🤪
Thanks.
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.
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
This was hilarious!! Totally appreciate your honesty and vulnerability
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.
Which are your financial advisors you would recommend in South Africa?
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
Wuuuh nkosyam... I can listen to you all day, everyday 😍😍😍🥰
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
This was so interesting. In pointing out your mistakes, you're giving us a lesson too. Thank you.
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
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 😅
I know how a credit card works and it’s benefits & so forth but I know how impulsive I am with money so I just don’t have a credit card. I don’t need it.
I'm done sitting tight for the award advance since i acquire$23,000 every 12 days of my investment.
Same here, I earn $13,000 a week. GOD bless carolyn Rockhow, she has been a blessing to my family.
My success behind the overflow profit trading in crypto does not hang on my skills but by the support of Mrs carolyn Rockhow
I have also been trading with her, profits are secured and over a 100 percent return on investment
Love your channel
🤣🤣🤣🤣🤣🤣 this was so fun to watch
If "do as I say not as I do" was a person sometimes 🤣
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