Money Mistakes I KEEP Making

[@sandramish2229]

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]

Hello I'm 42 working on my retirement fund too What do you think is the best target for retirement?

[@gomezsandra5998]

A lot of people find having a coach /financial advisor a luxury

[@sandramish2229]

@@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 😊

[@sandramish2229]

@@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

[@stevestone8740]

I'm trying to read books about finance, budgeting and saving. Looking at having a good financial advisor. Can you recommend?

[@tshepomotau4354]

I appreciate her honesty. These are the kind of teachers whom I can associate with. She does not hide her mistakes.

[@nduduzomolefe7755]

Impulse buying is the worst setback we have as young people 😅

[@sibongileglendakhumalo1652]

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

[@anastasimankesemokgobu1724]

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.

[@lebogangmokone_pmbl8281]

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

[@Natjhili]

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

[@emmahmakhathini1516]

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.

[@siyabongamotsamai3636]

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

[@presleysathekge3064]

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 ❤

[@AndiswaMojapelo]

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! 😊

[@Agisanang_Tsholo]

Weeeh Nicolette 🙆‍♀️😂😂😂😂 immediately when you say “but somehow” I die 🤣🤣🤣⚰️

[@lukasmwaamenange2278]

I like your teachings that's why I also bought and read "What's your move"

[@KeneilweLetsatsi]

😂😂 Nicolette wa mpolaya! Thanks for your honesty, it makes me not feel bad about my impulsive tendencies, I’ll work at them

[@ilonakyeyune]

I love the authenticity. But am requesting for translation to some of the words. Am from Uganda and i enjoy this channel

[@masimbamalcomsimbi7806]

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🍻

[@naledidollymonei2023]

I have a problem with impulsive buying and this definitely inspired me to do better

[@dikeleditlhoaele1892]

I hope this helps me to do better this year

[@vickynhlengethwa3242]

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 😥

[@kgaogelompenkoagatse2904]

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

[@nonhlanhlanhlapo1296]

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🤣🤣🤣

[@TheonaMangubila]

Same same

[@nickysebastianmiller]

We don't ever take our own advice yazi 😂 I'm entertained by this self reflection

[@tshiamomasemola9233]

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

[@TheDuke2905]

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.

[@ThatoKhumaloTK]

I love this honesty. Truly has made me respect you even more 💐👏🏼👏🏼👏🏼

[@moneilesomo9787]

That's me with my 32 days notice account 🤣🤣🤣... I hate a notice.. I can't wait that long if I want something now

[@RefiloeSephesu]

You and I are kindred spirits🤣 But the good news is I've made progress in correcting myself.

[@hoosaout4202]

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…

[@lebogangmokone_pmbl8281]

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

[@NOmeth17]

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.

[@yandisanovokoza4320]

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.

[@relebohilemolefe1497]

Mara you are a star waitsi💐💐

[@nnakaralebipi]

Your book is changing lives! One thing for sure ❤

[@khwench]

This was hilarious!! Totally appreciate your honesty and vulnerability

[@riekiesrandomlife]

Hey Nicolette, GREAT video once again. You speak beautiful Afrikaans by the way. Thank you for your videos and sharing your knowledge.

[@eneodu3755]

I really like and appreciate this video ❤️🥰, very relatable plus it was funny 😅

[@onalennasellwane4545]

I put a spending sanction on myself because of video that you did 😂. That time you don't have one😂

[@zwanndanana]

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

[@millisentmcetwa7404]

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

[@keletso.mhlanga]

@@millisentmcetwa7404 Hi,how do we contact you

[@LillyKhumza]

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

[@sarahmoqekoamabhunu9199]

Please advise or suggest which property stokvel I can invest in

[@lebogangsekhaolela8587]

This was actually funny😂 but I appreciate your videos... Very educational✨

[@mutaliramadikela]

Haai shem I solute your honesty ma'am 🙌🏾❤️‍🔥

[@prophettreasure95]

I love your transparency

[@aquickstory2196]

it is the psychology of money...this is the cause of apprehension.... and dangerous

[@sibonisiwegubeka8982]

I Love you, Cant stop watching

[@treasurem2491]

Absolutely love this video😂😂😂

[@mahlodieva747]

One thing about Nicolette, she is very honest and tell it like it is😍😍

[@yandisanovokoza4320]

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

[@pulengnaketsane8863]

Lol I love your honesty😍

[@mphocollenmaaboyi4215]

😂😂😂 Akere the cash thing bare its supposed to make paying painful so you can control your spending. but hei nooo

[@xmgcoyi]

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!!!

[@ireenmakunura828]

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

[@tee9828]

How do I get ahold of you for financial advice and how to invest my money?

[@revelationmokgadi873]

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

[@crossstariv3200]

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.

[@cameronperel3597]

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?

[@kgetsepemkhabela3963]

Tell them my sister, they think they are doing us a favor when in actual fact they need proper financial planning as financial advisers.

[@budzananidube3272]

Thank you. Its deep.

[@zeezor]

7:33 "How you do anything is how you everything"

[@XolaniNtimbane]

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!!

[@nkullekomthanti6142]

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.

[@sicelokuhlesthabiso3396]

Nicolette cela imali ye cold drink 😀😂

[@sinethembandlela5508]

Thank u for this video yoh

[@lesegomnjingwane328]

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 😭😭😭

[@siphokazibooi7375]

😢😢

[@ulwandon]

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

[@lindelwamakelele9930]

Amen sister!!!!

[@theorama5711]

Hi F. Bunny, whats your take on Life Cover. Paying 900 monthly. Currently unemployed. My main source of income is from real estate investments.

[@NOmeth17]

✋ guilty of impulsive buying but it has subsided since I started online shopping

[@Agisanang_Tsholo]

Weeeh Nicolette 🙆‍♀️😂😂😂😂

[@nontobekozwane1282]

Can you do videos about December holidays? The festive is giving me anxiety

[@kgabolamola9787]

A fav always.

[@humphreylinda2565]

😂😂😂That Demon 👿😈... Mara on a serious note, I need a emergency account, does fnb offer one?

[@ellahnokane4536]

😂😂😂😂 on the credit card story 😂😂

[@zamile7112]

Wuuuh nkosyam... I can listen to you all day, everyday 😍😍😍🥰

[@zukoinstyle]

This was so interesting. In pointing out your mistakes, you're giving us a lesson too. Thank you.

[@kagisomothiba7799]

Thanks.

[@bridgetmgaga1095]

Lol.. my goodness 32 days notice....u and I are the same.. i honestly need to fix my life

[@Ohole]

My darling, let’s take it day by day! This week please don’t withdraw from your savings no matter what! 😅

[@tmjordan6281]

Which are your financial advisors you would recommend in South Africa?

[@passionwithMsbee]

I'm guilty of everything you mentioned :(

[@sanelebuthelezi4797]

No man. Success leave clues. There is thing that is called FUNDAMENTALS. Seasons Do Not Change. Aline yourself with the seasons

[@sphamandlambeje9524]

Haha I'd rather listen to you sis, coz I know you're talkin from experience. Not a piece of paper

[@ItsLeonilde]

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 ❤️

[@khanying]

Try the Money Revolution by Zibu

[@gidokazana]

The richest man in Babylon

[@Step-Into-Your-Power]

Lmao I basically live ka property 24 🤣🤣🤣.

[@nomangesinthala8948]

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!' 🤣🤣🤣

[@senzombuzwa8256]

Lol... You go like "what would Nicolette do?" 😂

[@nomangesinthala8948]

@@senzombuzwa8256 exactly. 😂😂

[@noma5540]

😂😂😂

[@nomafmaroga6827]

Hahaha all the financial gurus do that.

[@preciouschauke1516]

hehehehhe me guilty of tipping like I've budgeted for it tjeeeeeer! 2023 nie meer nie

[@Filoe365]

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.

[@fikiledhlame9550]

😂

[@11560238]

🤣🤣🤣🤣🤣

[@treasurem2491]

Yoh the impulsive buying yoh

[@darelkrupanandham7478]

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.

[@ntombimolema7992]

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.

[@keagilekwakwa3229]

Hai o right ke demoni🤪

[@zilungilengconjana]

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 ❤️

[@georgekumakanga717]

hahahaahahahaha i totally relate with you

[@nosibaloyi3149]

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?

[@zee484]

I remember she has a story about this on her old old videos.

[@therealpretty8443]

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]

@@zee484 thanks Zee will search for it

[@nosibaloyi3149]

@@therealpretty8443 Hi Pretty, they have a contract but they do not want to move out...have tried everything

[@upskillwithnom]

@@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

[@nosibaloyi3149]

You are one of my top Financial channels. You are great👌🏽

[@mathabomlangeni541]

I'm such an impulse buyer of clothes that I don't even wear🤥🤥one thing I need to work on this year

[@Filoe365]

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 ☺️

[@mathabomlangeni541]

Thank you, all the best to you

[@noxolo_mzobe7571]

Love your channel

[@mrincredible859]

I understand you cc I am the same also in some ways with my finances, impulsive and can spend heavily at times. I know better but I don't really act on what I know let alone practice what I preach. 1. I am a research pro when I am truly interested in something but I don't always take all the necessary action required for what I want to accomplish. 2. When you quoted that famous motivational phrase"the more you earn, the more you learn" I literally rolled my eyes 🙄😂😂😂, I know a lot but I am still on step one hayi njani. 3. What I realised also is I love my comfort zone too much, if something is too complicated and laborious I give up 😅it's bad guys. Great video by the way 🎉🎉🎉❤️❤️💯💯

[@sanchenyembe6214]

Well I have an emergency account thanks to you

[@yolandenonhlanhladlamini1944]

🤣🤣🤣🤣🤣🤣 this was so fun to watch

[@sanelebuthelezi4797]

You Do Not Want It Enough cc

[@marthasquire3127]

I just love your authenticity Nicolette.