No matter how much you earn, Lifestyle Creep will keep you broke!

[@thobilefavourite8809]

I finally paid off my african bank loan through watching your videos. I had this loan on my 20s and I'm on my 30s now. Subscribing on your chanel has changed my financial life. I've been following you past 6 months and so much changes already. Keep it up babe

[@refiloemoloi6408]

How did you do it , I’m struggling

[@shamisomarabwa202]

You are so right about writing it down! When my salary comes in, it seems like a lot. But when I write down my expenses and whatever got me excited, I am humbled back to reality of what I ACTUALLY afford. That quickly sobers me up!😅💀

[@MapaloMakhu]

😂😂😂 really really quick!

[@arnoldt.musadziruma2829]

Great video Mapalo, thank you! It’s so easy to get caught up in lifestyle inflation and in most cases its because of one little phrase..."l deserve this!" I've worked so hard so l deserve a car upgrade, or a designer handbag or luxury vacation. And we now want to achieve what our parents achieved in 20+ years in 5 years. Having a balanced approach and plan for your money always helps. So whether you get an increase or lumpsum amount, you know off the bat where it's going to go before it comes. Like the 50/30/20 budgeting principle. It still factors in 30% towards wants/fun stuff (because yes, you still "deserve" to enjoy your hard earned money) but at the same time you know you've saved & invested & living within your means.

[@MapaloMakhu]

I love that: have a balanced approach 💯💯❤

[@kamogelontsewa58]

😂😂One thing about Mapalo, she’ll use a holiday ⛱️🏖️as an example in all her videos. You truly love going on holidays. 😅

[@shorti2370]

Always😂

[@MapaloMakhu]

😂😂😂I need a holiday as we speak 😂😂😂❤❤❤

[@makgotso1251]

The realization that the salary increase on paper was nonexistent when I wrote everything down 😂😂💔💔 yeyi.

[@kgopotsomashile9851]

Good advice especially in times of yearly bonuses like now

[@MapaloMakhu]

🙌🏾🙌🏾🙌🏾 thank you for watching

[@kindy7931]

Hello Sis Mapalo you know what I love you..your videos had an impact on my life choices in such a short period ❤️❤️❤️. I was always being reluctant to pay off my two clothing accounts but I managed to pay them off last week and I couldn’t be more proud am left with a car which I learnt I should’ve waited later on but am grateful thus far…your videos are always having the big sister energy and I appreciate your channel a lot. Thank you for sharing light with us. You’re changing lives

[@ThelmaBwalya]

This is some good advice to definitely sit for month on your old salary before you plan what you will use the extra increase for cause spending is so easier than accountability or being responsible .

[@MapaloMakhu]

spending is so so easy!!!

[@portiancwana5958]

I would like to suggest how you would advise someone to prepare for loadshedding. Loadshedding is here to stay and the solutions are getting more and more expensive.

[@MapaloMakhu]

so so expensive!!! I actually will do this but not when I'm so frustrated myself because then it just becomes one big rant and complaining 😂😂 then its not beneficial!

[@davidsindana282]

You are right, by the way I think the best thing to do is to expose oneself to financial advise. For example I have learned about danger of social signalling by listening to financial advisors. And keep on doing the great work. Thanks

[@MapaloMakhu]

Thank you David. Very true, we should be life-long students🙌🏾

[@lungilehlongwane8730]

I always look forward to your videos. Very informative and empowering❤

[@MapaloMakhu]

Thank you so much Lungile and thank you for always watching. ❤🤗

[@yanelamtati8131]

The unconsciousness to these is where the danger is... Needed to here this 👌

[@MapaloMakhu]

🙌🏾🙌🏾🙌🏾

[@angayozi4212]

I discovered your podcast last week and listening to the episode with Sam about handling your money like an f’n adult, really resonated with me. I managed to close my credit card this week(and actually had a positive balance but I wasn’t aware cause I was too naive to look at my balance/statements. Your work absolutely is necessary for us women and I tell all my girlfriends about this channel! Love your work and intentions❤

[@MapaloMakhu]

Thank you Anga, really appreciate it.

[@kealebogalebo7777]

Hi Mapalo, please teach us about investments. Like which types of companies we should invest in

[@lebogangsedumedi143]

Currently repenting and I know I will make it awareness is so important

[@carongwepe3350]

Great video Mapalo. Keep them coming 💐

[@MapaloMakhu]

Thank you Caro, really appreciate the positive feedback 🤗❤

[@MapaloMakhu]

Thank you Caro 🤗🙌🏾

[@ntebalengsefahamela5851]

Wow such wisdom our finance guru

[@MapaloMakhu]

Thank you for watching and part of the Tribe ❤❤❤

[@tumietabalaka]

I like your videos really do, the advice is really great.

[@MapaloMakhu]

Thank you Tumie 🤗🤗❤❤

[@lydiavhute]

Great video as usual 💯 Please link me up with your other channel with Pam…

[@MapaloMakhu]

Here you go: kzbin.info/door/dp4RN-a38bUTQfUZbn3Szg

[@nellymaruma2714]

🙈did you really have to calculate 😂 i guess that's reality. Great video as always thank you

[@moneymondays]

Lifestyle Creep is the worst, the other day I found myself browsing Woolies Dash instead of my usual Cheakers60😅. Thank you for the advice

[@yanelamtati8131]

I so relate... Traveling made me upgrade to the black card again just for a sIow lounge... Why😩

[@moneymondays]

@@yanelamtati8131 lol Did the extra fees equal less costs than just paying cash at the Bidvest Lounges? or lol eating and waiting at an airport restaurant haha

[@MapaloMakhu]

😂😂😂😂😂I love both apps

[@MapaloMakhu]

@@yanelamtati8131 😂😂😂enjoy!!

[@yanelamtati8131]

@@moneymondays am trying to accumulate eBucks to make up for the extra costs... Lifestyle creep will be the death of us I tell you 🤔

[@amandamurenha1295]

Thank you so much maam

[@MapaloMakhu]

🙌🏾🙌🏾🙌🏾

[@leespicey6948]

Welcome back Mapalo 🌻

[@MapaloMakhu]

Thank you Lee 🙌🏾🙌🏾🤗

[@kwakha6103]

It's been the longest......hay wena shame 😔

[@MapaloMakhu]

😂😂🤣 Not that long!🤗 Good to be 'back' And thank you for watching

[@khutsoseokoma1050]

Hello sesi how much do you charge for your consultation

[@MapaloMakhu]

Hey Khutso, I don't do one-on-one consultations anymore! But you're always welcome to send me an email and I'll try and assist.

[@joycemagagula8941]

👋👋

[@MapaloMakhu]

hey hey Tribe ❤❤🤗