Returning your dream car, making bad financial decisions, marital contracts and loving yourself thro

I had the pleasure with sitting down with the brilliant Atlegang Govusa, who speaks about her bad financial decisions and overcoming them.
In this conversation we speak about how easy it is to get caught up in a web of debt from just the start of your career.
Please remember to like , share and subscribe!
KZbin : ‪@atleganggovuza6733‬
Instagram : atlegang_govusa

[@erpadministrator]

In 2019 I returned a car that I bought in 2017. After I found out I'm expecting my 2nd baby I made that decision in a rush. I was so hurt but free at the same time. The car was still in an excellent condition and I was only left with R35 000 shortfall after hard long negotiations. I went through it and I realise it is the best decision I've ever taken. 4 years later I managed to buy my own low cost car that is not luxury and I am debt free. Sometimes you gotta do what is needed and take the most painful decision to survive.

[@NobantuNxumalo]

Love the debt free life for you🎉💯

[@Yvonne_Mot]

I took mine back early this year and i am still trying to adapt because not having a car after having one is really hard

[@erpadministrator]

@@Yvonne_Mot it's so hurtful and feels weird too. People used to ask me about the car and that would break my heart 💔. U are doing a good job and God will give you another car and more in due time. U are not alone.

[@Ndalo-cf6dp]

Plz can you tell me how you managed with the shortfall, I've been trying to trade my car which is a year now but they say I have a shortfall that I need to pay upfront if I want to trade the car that cost less than what I have. Kindly advise 🙏

[@erpadministrator]

@@Ndalo-cf6dpask for appointment with the vehicle finance department in your bank. E.g. I met with a vehicle finance practitioner at Absa vehicle finance because I was financed by Absa. He is the one who gave a lot of information on what to do, what kind of letters I needed to write to the bank requesting to breach their finance contract. It was accompanied by my bank statements and payslips. You will be called many more times to negotiate with you and reduce the amount left on the shortfall depending on the value of the car and also looking how much you had already paid, the condition of the car etc. They then further assisted me with my finances apart from the car issue. It was really helpful. I hope I make sense.

[@yandie_z]

Completely unrelated, but wow sis (the guest) looks so gorgeous with her natural face and hair!

[@AndiswaMojapelo]

I had been following Atlegang for some time when she dropped the Merc video and I must say that she really took charge of the narrative and owned it like a boss by being honest and vulnerable upfront. The abantu bazothini squad had no chance cause she really showed up for her truth. 🙌🏽

[@makungumasangu1838]

Wow! I’m a 21-year-old female that’s still trying to find my ground and grow in my knowledge of how to manage my finances. This was so helpful! May God continue to bless you ladies for sharing such insightful knowledge.

[@sinovuyodamane]

Admitting that you have an issue with managing finances, yes that’s it! So enlightening.

[@Watch_Wandi]

I have an interesting story and I’m willing to share @Mapalo.

[@MillenialKay]

Someone asked whats the big deal with KZbin and I said either than enjoying seeing people live well and getting countless plugs 🔌 KZbin is like watching a visual interview of people whose perspective you like even though you don't know them personally. I enjoy both your channels, I was definitely drawn to Atlegang's channel by the video about the car trade in. Still loving it here❤❤

[@nonzwakaziprecious9507]

Let me follow her as well, already loving her

[@JabulileMathenjwa]

I enjoyed this conversation so much. We actually married COP simply because we were broke, young and desperately wanted to be together 😅 But we had met with a lawyer and just decided to spend the 1.5k elsewhere- that’s how broke we were. However we have always been transparent and accountable with our finances. We aware of the risks and therefore communicate everything financial. We discuss salary increases, contracts, bonuses, debt …in detail. Makes me so happy when black people talk about money 😊

[@ThandekaWhitney-en3nx]

It's the way she laughs for me, love her🥰

[@thusotshekega]

“Starting with the little I have” couldn’t agree less. Building a habit to save is critical and it’s all about starting

[@sinovuyodamane]

Last comment, but my biggest takeaway is learning to become principled! Thoroughly enjoyed this, let me head over to binge Atlegang’s videos!❤

[@ntsakomokhare2000]

I love Atlie's aura. She's so sweet! Enjoyed this vlog alot

[@MapaloMakhu]

Glad you enjoyed it 🙌🏾🙌🏾🙌🏾

[@siphosethu222]

I don’t know why this conversation is not on TV, Radio n all over !! This was amazing n sooo informative!!❤

[@nobuhlengubane9709]

Since the year began, I have been trying to save but it has been a struggle until I have watched this conversation, I've opened a fixed savings account even though we are already in July 😅 it is fixed up to February 2024 , and it feels so good 🤪

[@PeggysBibleStudy]

This is a critical conversation; well done for not caring about "what will people say" and being true to yourself. Your story is so similar to mine, I bought a BMW because I was still staying at home with no other responsibilities.... until adulting began😂. I think I am going to do a video on "Single mothers and money" because its another tricky space.

[@TheBAHUBSA]

On your single mothers and money segment, please discuss taking kids to private schools which cost an arm and a leg, sometimes the decision comes from maintaining the status quo that you can give your kids the best life due to the shame associated with being a single mom

[@sinovuyodamane]

I have definitely watched Atlegang’s video on this, but watching this again as an interview has provided me with such a fresh perspective on how to approach making big (and small) financial decisions as a young adult. Thank you Atlegang!❤️

[@asandamatolweni7081]

Laughing because I was that one who bought a corsa when everyone was buying GERMAN machines, but I was just on my lane.....and happy for them

[@transcripttranscript3039]

I dont get tired of hearing this story..but honestly she was so brave

[@NgoStar777]

Joh this was just what I needed to encourage me, for months I shave been contemplating returning my car as well

[@nkadimenglorraine6413]

Mapalo I’ve learned alot from this because as newly appointed workers we make many financial mistakes.

[@lunganikhubone2595]

It Just A Car. ❤. If we can start to understand that we could make great decisions on cars just like that. It also goes with very un affordable houses. It just a House. ❤. But what if we can take it a notch further and say that in every Liability that is out of reach in a certain time of our lifetime. We almost forget that when we are born the same thing is happening to some people and they are not the first people. Really now I understand when the Bible Said there is nothing new under the Sun.

[@davidsindana282]

On this one let me say I was once told the problem with black middle class is social signalling when you want to show everyone that you have arrived for example by buying car's

[@PammieX]

This is so true and it even starts with clothing accounts which can spiral out of control😢

[@siyandevu4173]

I’m about to get rid of my car that is just so expensive, I am so happy I watched this video

[@LethoHali]

Didn’t know her. Thanks so much for bringing her on! A lot of big brave decisions to be made 😬.

[@blessyJoyous]

This reminds me of the time I returned my car because I was working closer to home and my husband was available to drive me to/from work. I was liberated and since then I always pushed myself to pay off any other debt I have. It's a beautiful feeling to let go of that debit order 😅. I would rather join stokvels now than approach banks for financial assistance unless it's a huge need. On marriage contracts: to each their own! God gave us brains to explore and whichever contract one goes for, it is theirs to deal with. Let us not be biased but give valuable info so that people make informed decisions. What if one does not get divorced and both parties have good financial traits? It can also work for either of the contract.

[@LifeWithYolly]

Excited to watch this. Atlegang is the realest 🎉

[@LethoHali]

This video title is so specific to me! Struggling with the thought of selling my dream car! All paid off and the only asset I got from my 20 year marriage. Things are tough financially and I could do with what I would get from its sale. So so hard! 😭😭😭😭😭

[@MapaloMakhu]

🤗🤗🤗oh sis, I’m so sorry! Life can be so challenging 😥 I wish you well ♥️

[@LethoHali]

@@MapaloMakhu really hard but necessary growth! Wish I didn’t have to deal with divorce on top of everything else. I guess it’s good to get rid of everything acquired in the marriage. Glad it’s okay to cry about it 😅.

[@YogiNthabi]

One thing about Atlegang she will educate us , thank you for this episode. Gems are being said here.

[@pulsejunction]

Hi please consider making an audiobook. Your book is so helpful and it taught me that I should not allow "motho o phela sekoloto" to creep into my lifestyle. I'm living payday to payday due to unnecessary expenses. My goal is to be debt free and save money, instead of wasting it, currently my expenses don't allow me to have savings.

[@inno0515]

Loved loved both of you. This was so relatable. We've all made money mistakes, but the most important thing is to learn from it. I wish I had friends like you honestly, because I personally love to talk about finance but so many people are so uncomfortable. We learn so much by expressing these stuff. Just last month I went to test drive my dream car which would be 6k more than my current car that I so so love, and I thought the heavens would open, and it did not. And I had to ask myself why did i even want this car. Cause at the end of the day I'm one to wanna see the money, to have peace of mind and be able to breathe and still do my favourite things without debit orders strangling me. Thank you for this burst of wisdom, it's inspiring as always🌻

[@MapaloMakhu]

❤❤ peace of mind is priceless… don’t stop dreaming though 🤗💕

[@VhonieR]

I didn't want this to end ❤ I enjoyed it so much

[@didihighly-favoured7163]

A whole Atlegang on the show. So looking forward to this session ❤

[@PalesaS17]

Loved this video. Atlegang is great also love her content

[@tshego7442]

I absolutely enjoyed this interview

[@PORTIAMAKWETU-po7yh]

I have learnt so much from both of you ladies. Thank you for sharing your real life experiences of financial mistakes and lessons. I truly appreciate all of this.

[@thefinancebachelor]

Thank you for this interview! So relatable and loaded with so many lessons.

[@More.4Eva]

Inspired 😄💫

[@Phyllisjordan2006]

oh man your actions are so commendable sis, well done. 🙂

[@emmamupemba2200]

☺☺☺☺this is so lovely too watch

[@aphiwetshiki4934]

Best interview ever Learned soo much ❤❤

[@nataliamahlangu2879]

Thank you for this! Sucha powerfuly hownest discussion about money. Our emotions are the key. The embarrassment, the shame, the perceptions and and and ...let's also just talk about status symbols and financial decisions.

[@xenithkruger8378]

Loved this Mapalo! More of these, please? 😁😊

[@Kim_Ngumbela]

Atlegang is such a sweet soul, I follow here here on YT. So glad she posted that video, I'm sure it has helped so many people not make the same mistake... Great interview. 😍 so much fun to watch.

[@tshego7442]

She’s really brilliant 👌🏾

[@buhlenkomo3225]

This is so profound. Thank you ladies 👏

[@seholematlhatsi3933]

O love the authenticity of this conversation and how they portray the reality of life. I'm very motivated to put my finances in order.

[@elizabethmukulu8255]

Great conversation indeed, Thank you for sharing ladies.

[@monicahlanjwa8330]

Insightful 🔥🔥🔥🔥

[@Modest_U]

Great conversation👌🏽Taking accountability is first step. Currently working on the discipline to stick to my budget.

[@matshidisopapo4015]

I thoroughly enjoyed this chat!

[@zuzilezungu5899]

Great financial nuggets 👏 🎉

[@ayabongamtyingizane1275]

I thoroughly enjoyed this conversation❤

[@tabithazowa928]

I love this knowledge ❤

[@onenkosisimilemkize3191]

I'm excited for this video. Absolutely love Atlegang! ❤🎉

[@zamaguma99]

Heeey Sis Mapalo Looove the video, such a critical conversation had in an easygoing manner. Atlegang was so funny and honest. Loved it!!! I do wish her name was in the video title as well otherwise, thanks a bunch💛

[@kwakha6103]

My goodness, lovely to see you after a long time❤

[@MapaloMakhu]

😊 thank you❤

[@bex_saku]

Great, informative conversation. Thanks ladies❤️

[@ziziphofrancis6070]

Wow such beautiful practical, necessary conversations you've gained yourself a new subbies❤thank you for this boo❤

[@MapaloMakhu]

Welcome to the Tribe 👋🏾

[@gwenmathebula3891]

Great episode, so practical ❤

[@keneiloemyoli]

I enjoyed this so much. Thank you for sharing

[@MapaloMakhu]

Glad you enjoyed it!

[@nwabisa7298]

Enjoyed this segment

[@LungeloTjatji]

Loved this real conversation, thank you ladies ❤

[@Kazi607]

Woow the conversation ladies was so eye opening ❤❤❤

[@busisiwemasoetsa8141]

❤❤❤ enjoyed this conversation 👌🏾

[@zodwamsimangkansibande6988]

Well done ladies 🙌🏾I also had to return my X6 for a Toyota cross last year uncomfortable decision but liberating

[@MapaloMakhu]

🙌🏾🙌🏾🙌🏾❤️

[@siphokaziluzipho4197]

Well done for taking control.

[@NqobileShabane]

This was so informative. Really enjoyed the conversation ❤

[@Vanessa_TK]

Wonderful video ladies, I learnt so much ❤❤

[@TheXperience_ZA]

I feel so validated 😊❤... bless you both for this educational and easy to engage with content 🙏

[@boniwedunster5096]

Every young professional should see this😢

[@busisiwemakhombothi7435]

Loved the conversation ❤

[@ZimkitaNogela]

love this and sooooo needed to see it, thank you!

[@MapaloMakhu]

You're so welcome!

[@Hilda_ndlovu]

Am watching this video at this time because am sitting and have not eaten for 2 days with my husband his been the only breadwinner and now the car has been taken,we been evicted yohhh😭😭😭😭am in my early 20s and and his on his late 20s and everything is just going down WHAT now were do we go n fix this mess💔

[@transcripttranscript3039]

Ish

[@einreallife5556]

💔🕯️🙏🏼

[@nqobilemgazi]

This video felt so short😅. Thank you for bringing Atle❤

[@MapaloMakhu]

And it’s a whole 50min 😅, glad you enjoyed the conversation Trube. Thank you for watching ❤

[@nqobilemgazi]

@MapaloMakhu Enjoyed every minute. Thank you queen ❤️

[@Onalenna_Thobega]

enjoyed this

[@marangmasegomutloane3619]

Absolutely true ❤❤❤

[@noluthandomakhoba9853]

I love her. Who is she on the socials?

[@xanzfx2502]

Think mistake wasn’t buying a car, the mistake was the reason why you bought the car, most people buy cars for status but internally it has no fulfillment at all, my dad owns 6 cars and he’s not rich by any means but he just truly loves cars and he works hard every year to be able to afford his love for cars, we lived well housed and went to good schools, he sacrificed things such as good on vacations and eating out when he was in his 20s just so he could live happily with some that truly makes him happy, my point is spend money on things that truly make you happy and you’re willing to work hard for whether it’s a car, an expensive lifestyle it doesn’t matter the important thing is internal happiness as long its not at the expense of anyone else’s happiness, there’s nothing wrong with wanting an expensive/luxury just revise the intentions of why you want it, and how hard you’re willing to work for it.

[@PurpleM13]

The first 8 minutes have my jaw on the floor because Im in the season that she's describing 😮

[@mufunwapatience4972]

I love how Mapalo loves Pem, she enjoys her company ❤️ that's so sweet

[@Keitumetse9]

“O wile” 😂😂😂 Happened to me once, I totally get it. But you know what? It takes bravery! ❤ Kudos to you. Lovely video!

[@maelephoku2771]

Hi Sis. If you don't mind please share how you dealt with the stigma

[@Keitumetse9]

@@maelephoku2771 Honestly, it was just acceptance. Accepting the situation that I got myself into and taking that as a lesson. Forget about other people, because no matter what you do they’ll always have something to say, so always do what you think is best for YOU. It takes time, acceptance itself takes time, but time is a great teacher. It gets better 🤍

[@sityhilelonkubungu1270]

Good conversation. The marital contract (OCP) I have not really got another reason(s) other than monetary in the main. How can you live the principle "oneness" if you enter union as separate entities? I guess "practical'. But if it works for you its ok.

[@atlangosele7917]

Is it possible to have a joint account even if you're not married in community of property?

[@hlobsiledlamini6516]

How do you guys manage household expenses in such a kind of marriage

[@tebohofumbeza8420]

Just a question, so if you get married out of community of property does that mean your partner shouldn't pay lobola ? Or should we then sign before the negotiations? It's a bit confusing as I've heard lobola is considered marriage in community of property automatically.

[@TheMhinga]

You should meet with a lawyer and sign the NCP contract first before lobola is paid.... Otherwise yes, it'll be a marriage in community of property

[@zeenkosis]

Only if you register your marriage after lobola. You can lobola and not register

[@jenevapulane5933]

I love her laugh 😂😂

[@thembimatrose2369]

Right!! 😂😂😂😂

[@lisebomarykotelo77]

I love the aspect of contribution 😅 Ladies let’s make it a point to contribute

[@quintongalane5960]

28:00 marital contracts

[@FateOfTheElephant]

My credit card company keeps increasing my limit, I mean I'm not over using it but its scary... are they allowed to do that?

[@gracethatomatsaisa400]

Yes they can, especially if you agreed to automatic increase it. Please kindly reach out to the company and ask that feature gets turn off and decrease your limit to what you are comfortable with

[@myinnerbeingknows]

❤

[@ndeupewa]

Ya’ll sound like you are nailing people married in community to the cross. I think there is a reason why both options are there, be it from a biblical point of view or just as a personal decision. If you are married in community, the issue of buying things and you have to constantly consult your spouse is not even a big of a deal when you knew what you are signing up for. So don’t feel like you are doomed, you are not…marriage can work either way or it can fail either way…your marriage is more than your “contract”.

[@Kels-L]

💯 agree with this!

[@AndiswaMojapelo]

📍📍📍

[@sbonzama7013]

I never understood this concept of a "dream car". Why would you "dream" of a car vele? A car is just a car. A tool to move you from point A to B.

[@PammieX]

🛎

[@PammieX]

Thank you, this was much needed as i am still learning to manage after a series of bad financial decisions. What i am definitely taking out of this conversation is "just because you qualify doesn't mean you can afford" it hits hard, an eye opener😊

[@izahchauke8409]

💐💓🌺❣️❤️

[@bonnyjama9420]

If you married out of community of property and using the joint account. Happens you have children then the female passes away , the Man decides to marry another women with in community of property where does all the things they worked for goes to?

[@selinathabede5103]

But when you have little or next to nothing, money does change things 😢

[@sinovuyodamane]

Not buy a banana😭🤣

[@_molebogeng6281]

Chile 😭🤣🤣

[@obakengleseyane6493]

At least a banana guys 😅

[@GreatnessLungile]

her laugh is so hilarious lmaao

[@thembimatrose2369]

It tickles me😂😂😂

[@lunganikhubone2595]

There is no pressure for me to do anything for people anymore" Soprofound.