The problem with your finances is not your inability to save, here’s the real problem…

There are many traps we fall under when we start being intentional with our finances and we need to be careful of these things.
Please don’t forget to Like, Subscribe, and Comment below.
SHOP JOURNAL AND CASH STUFFING ESSENTIALS:
www.jennifernx...
[Services I Offer]
3 Month Financial mentorship.
Digital products
Budgeting journal
Cash stuffing essentials
Email or book my services on my website:
[e-mail]
www.jennifernxmalo.com
[Social]
Instagram account: @jennnxumalo
Tiktok: @jenn.nxumalo
[Tags]

[@amandangxashala6298]

Guilty of living beyond my means , but am trying to change that , I only have 1 loan left and I owe 17K , am making progress, watching your videos has helped me a lot

[@JennNxumalo]

Your progress is amazing, you will have so much freedom of your money when you finish paying it off.

[@RaymondSekgasefeThobejane]

Hi Jen I managed to payed out my three account from TFG, Ackerman, truworths through watching ur content. Thanks a lot.

[@NosiBoyisa]

Hi Jenn I completely agree with you, I was that person thinking I can save while I still have debts then in April I just decided to release those savings and started attacking my debts yoh it was a priceless feeling when I closed the first debt. I just don't know why I didn't start sooner but hey Im glad i learnt from all my financial mistakes and I'm happy that in two months I'll be only left with the bond 😂I just can't wait. To think that ill even be saving alot more than I was since all debts will be done. Thanks dear for this video we always learning a new trick 🤗

[@ThandekileBeloved]

Love it for you Nosi 🎉🎉

[@JennNxumalo]

We learn so much from our mistakes if we are willing to realise the lessons. I am happy for you 💐🥰

[@kekeranyamatsane9495]

Rich dad poor dad nonsense of a book 😮 tried to read it once and it never made sense to me 🚮 You spoke so much sense..thank you for this video, will def listen again 🎉

[@rosanaobes6451]

Deal with the problem area first What a advice thanks Jenn you have a valuable point

[@JennNxumalo]

Glad it was helpful!💐🥰

[@SibongileLouw-vx8mg]

This video is talking about me right now, my situation right now, the pressure of wanting to save more money when one is unemployed and barely surviving it's killing me, I always want to save the little I get from my side hustle when I should channel the money on the basics like groceries

[@ThandekileBeloved]

Dear Jen. Your work is amazing. This is so realistic, most of it is what we are going through. I personally don’t have any other debt apart from my home loan at the moment and started my savings journey BUT all of that is now gone due to black tax.

[@siphiwekhumalo2307]

Oh Jen..😭😭😭I am guilty on leaving from paycheck to paycheck, its a lot sometimes to keepup with two kids financially. You look stunning and the light is okay quality ✨️ 👌

[@siyabongajwara5076]

Thanks for this video, it explains well what you meant from the previous one. It is like let us stick to the basics before investing. You can't invest without having the Savings first. Let us have an emergency fund first before taping into investing.

[@seaitsiwemadienyane472]

I heard you, loud and clear. One debt at a time, that's what I'm starting with going forward. What I love and really appreciate about you is that you are relatable, I'm where you've been financially and your upbringing. To see where you are and how you got here gives me courage that it's doable. Thanks gal, will pause on Franc and easy equities okwamanje😂 and attack the debt.

[@seholematlhatsi3933]

Every year comes with its own needs but you find ways to help us solve our financial issues. Thank you

[@JennNxumalo]

I am so happy to hear that 🥰💐🤗

[@keabetswegongxeka1645]

Your intro scared me so I left the video and came back to it after two days of this video dropping simply because I knew that this is the truth I did not want to hear but needed to hear it.Thank you for being a mirror that I can self reflect on and being so real ❤❤❤

[@missbunny97]

I am guilty of feeling behind in my financial journey and the way God is trying to teach me that is hectic each time that I want to same something comes up I must review my priorities

[@JennNxumalo]

I have found that we tend to feel behind in life because we compare our journey with others 🥰💐 pace yourself and be kind to yourself.

[@tshidisorasehlapa]

I need a car because commuting is really not practical for me. But I first needed to acknowledge and be honest with myself. Reality doesn't allow me to get a brand you 1, I just accepted that because I am afraid of making financial mistakes that will take away my sleep and peace

[@preciousndlovu8100]

Hi Jenn, thank you sooo much. You don't know how much financial guidance i've gotten from you. Slowly but surely, im seeing progress

[@JennNxumalo]

Ohhh wow Precious, thank you so much sis 💐🥰

[@yandiswamshumpela9089]

You made my day Jenn yhooo. Thank you for watching this. I am feeling much better. I will try my best.

[@JennNxumalo]

Thank you Yandiswa and I appreciate that this was helpful 💐🥰

[@ThobekaDyabaza]

Thank you Jen much appreciated ur advice had cleared all my battlings in terms of my financial problems trust be one step at a time i m on my journey to be more tha a conqueres❤🎉

[@Kazi607]

Deal with the real problem first woow thanks 😊 😊

[@JennNxumalo]

You're welcome 😊💐🥰

[@sakhileblessingsibisi2375]

This is so educational, you have gained yourself a subscriber ❤

[@JennNxumalo]

Thank you so much

[@slindileprincessngcobo1537]

Thank u Jen ❤❤❤❤ Deal with the problem first 🙌🏿

[@JennNxumalo]

You are so welcome 🤗

[@SB-759]

Iyhooo. Thanks my sister about this video. This is powerful.

[@JennNxumalo]

My pleasure and thank you for watching 🙌🏿💐

[@BonoloMafetole]

This spoke to me. Thanks Jen ❤😔

[@JennNxumalo]

🥰💐I am glad you can resonate.

[@AvelaBala]

Very informative Jenn thank you

[@Bathos78]

Getting my finances reshuffled I think I was paying myself 1st with the inconvenience mind set. Cause I excelled paying debt however living beyond my mince did me wrong. Thank you for sharing ❤❤❤❤

[@malintlemathatjane]

Fix the foundation first❤❤❤❤❤❤❤❤

[@JennNxumalo]

Very important 🙌🏿

[@1000snowflakes]

The quality of the video looks fine sis and will be even better as you get your lights... thanks for showing up yet again this week on youtube. It's true, we often go into debt not thinking of or calculating the interest. Perspective is everything

[@JennNxumalo]

Thank you so much 🥰💐

[@nkhotasengmpeke1878]

I love you Jenn, thank you so much for such a great content

[@MphoMontso-lm3rm]

Hi Jenn. The lighting of the video is fine dear. I've been tapping into my daughter matric dance savings and topping up on food. Hai I'm feeling like I'm failing 😢.

[@JennNxumalo]

Thank you Mpho, I appreciate that. You should be glad that you have savings to tap into, some end up falling into debt. I know it’s not nice to use your savings on something else, you might need to review your budget and make adjustments.

[@nkhotasengmpeke1878]

This is so powerful ❤

[@Beautiful-Creation]

This video was made for me, in 2020 when Corona hit I was buried in financial content and gosh it made me self vindicate myself a lot that I let myself down. Had just started a better paying job, still at it. The job doesn’t come with no benefits, you just get your salary. The realisation that should anything happen I am without nothing, I got into EasyEquities(glad I did) for TFSA for retirement pocket. But every time people share their portfolios I am inspired yet still feeling why didn’t I start early but true you also have a hundred other things happening at the time you cannot commit to the investing. Thank you for this Jen, I am saving to build at home but also want to invest on TFSA I have my OWN bills too. It is a lot

[@halalavunda8647]

Omg 😢 😢you talking to me right now Jenn.

[@zesiphomangaliso2800]

My problem is that i don’t know how to measure my. Expenses even though I budget I save but end up borrowing from people rather than than withdrawing on my savings

[@kholo-g5n]

Have you tried cash stuffing to avoid running out of money during the month?

[@nomafmaroga6827]

I am now doing this and it works very well for me.

[@JennNxumalo]

It might not be that you can’t measure your expenses but rather the things you don’t plan for thus find yourself spending on them layer in the month. Look at your bank statement for the past 3 months and see the things you spend on. Also try using cash stuffing it will allow you to be mindful with your spending.

[@tatoolz]

I have paid off my TFG account thanks to you Jenn...you are a life-saver❤

[@JennNxumalo]

Wow that is amazing 🤩 🥳

[@lindaandai924]

Owesome advise

[@JennNxumalo]

Glad to hear that 😍💐

[@nomafmaroga6827]

Yoh, I have been waiting for this since the first episode came out. 🎉🎉🎉

[@JennNxumalo]

That’s great 😀

[@belindakani9001]

Very insightful Jen, felt like this was directed at me 😢 I'm currently wanting to withdraw from Easy Equities bcs the struggle is real. I need to kill that debt but eish

[@sokwanqa]

Thank you so much! you assist us so much, im such a fan in all social media platforms, and honestly i can see a difference by following you and taking your advices practically

[@JennNxumalo]

Thank you so much sis’wami, I appreciate that 🙏🏾

[@generationalcbsqaudza8671]

Jenn's Intro being so loud 😅 skelling us 😂 We are listening and resetting one paying off debt at a time

[@JennNxumalo]

😂😂😂 everyone at the back must hear 😅

[@lizzymokgotho2748]

My problem Jenn is to buy things that are on sale, thing's I don't need n don't have business to buy

[@KamogeloMaleka-qg8lm]

Jen you are too good,such profound advice 👌🏽

[@JennNxumalo]

Thank you so much Kamo 😍💐

[@lizzymokgotho2748]

My other problem is that I don't stick my budget and financial commitments

[@vuyimkhwanazi6089]

It's hard dear... Always remember your "WHY" it will keep you on track. All the best.

[@lizzymokgotho2748]

@@vuyimkhwanazi6089 thanks. I want to come with a plan on how to avoid shops after payday

[@elsoniaswarts251]

The content of this video was so relatable Jen, as I learn about financial management, I do overindulge in financial content, that's also how I came across your channel. I even relate to the obsession on making money, and making it quickly to the extent of waiting money on playing the lottery and Betway Aviator. Luckily I noted this wasteful habit and stopped it as I analysed my spending.

[@Beautiful-Creation]

😂 that was me with Aviator, tried quickly saw that here I will cry. I am better off with investing I know the money is for years later not now, but lotto I still try my luck every now and then

[@nolumakipodcast3195]

Enkosi mtasekhaya for your teachings, they are very helpful siyabulela uthixo akusikelele.

[@siziwethela6705]

Wow Jenn! Well said 👏🏽👏🏽this video hits home I totally get you, I used to be like that trying lived beyond my means nd instant gratification 🫣

[@anelisamadwe1724]

Morning Jen hope you're well. Just here to let you know today I've paid off yet another debt following your guidance. I'm left with the last one which is just over 10k if Sars is good to me this year I'll settle it with that money, if not I'll use my stokvel payout to settle. Enkosi sisi umntu uphumile esohogweni uyaphefumla❤❤

[@nhlanhlamotau4101]

Hi Jen, thank you for your encouragement, I remember last year you had a debt reduction excel and I bought it, it was had to cut more things and focus on paying off the loan. I just finished paying my loan in April, I was over the moon with happiness after that last payment. Jooo🎉🎉🎉🎉🎉

[@emaransat3972]

Hi, thank you for your video. Also swiping using cards for paying things was making me over spend. I had to draw money and pay cash for things other than debit orders that helped me in tracking my spending and overspending.

[@sanelisiwemkhabela6059]

Ya ne let me stick to my level. I'm way living beyond my means I was sure ukuthi ngiyibambile angazi bese ngizenza one Mali and over spend unnecessarily 😢

[@thabelotharage5174]

Hi Jenn , we missed you last week

[@buyilemntambo2808]

Ushaye khona my love 💓 ❤️🎉

[@pearlmdlalose2532]

For me it would be investing on individual stocks on EE based on stock hypes and without doing necessary research for it. My profile is currently running on a loss, just recently started with investing on EFTs. I can say I'm happy so far

[@JennNxumalo]

The hype will be the death of us in so many ways. I stoped doing that a while ago and my ETFs are also doing well. Good for you that you found your way.

[@nosiphiweradebe3846]

I felt this, i joined stokvels this year and it was a bad move cause i was not in any position to save, imagine not being able to contribute to the stokvel no one forced you to join, eyi ngiyazi judger nami😢But anyway its a lesson learnt and i understand my situation now

[@JennNxumalo]

Yes maRadebe what matters now is the lesson you leaned.

[@vuyimkhwanazi6089]

Hi Sis, it's important to sit down and process the information contained and apply it to your reality and don't be a copy cat😂 Financial freedom siyakhona🙏🏾

[@anelisacingo3939]

This year I am paying off personal loan no saving or investing .

[@DeborahNdaba-b3y]

Hi Jenn truly too much info is disturbing especially wen you are starting,I have decided to take it steady so that I do not go back to square one and I'm taking this advice from you,once again you talking to me thank you keep up the good work

[@vangelimkhize6464]

😊 Understanding where you are in your journey and prioritising paying off debt first before trying to save and not over committing yourself, were the points which stood out for me in this conversation. Thanks Jen for the practical and insightful financial nuggets.

[@NkuliMamabolo]

eyi my sister you didnt have to attack me like that .. great video!!

[@Thile_benji]

you are real.

[@olwethumrabalala3117]

Thank you Jen ❤

[@triciakekana]

Hello my beautiful Jenn🤗

[@sphesihlentanzi]

Thanks Jenn❤

[@NdyebokaziNongogo]

Thank you Jenn, when you were resigning from work which 1 is advisable to transfer the money to the new company or to take the money..? Thanks

[@JennNxumalo]

There are many factors to consider with this decision. Mostly it’s a personal decision. The most advisable option is to transfer to the new employer.

[@NdyebokaziNongogo]

Thank you dali

[@tlamelontekola9585]

❤❤❤ thank you

[@mphomoahloli9175]

❤❤❤

[@JennNxumalo]

🥰💐

[@emelymahlangu1845]

If possible please share the template that you are using

[@lethabopitjadi9992]

Hi there Just a quick question I may I have an administrative internship interview tomorrow, so I just wanted to ask if it's okay for Me to answer questions at the interview referring to my current retail job ? Because I have administrative experience from my current retail job... Thank you

[@pheladifakude8237]

🤞🤞🤞

[@Filani_tunz-or7nd]

Hi Sisi ka Nxumalo

[@mohlatlhegomphasha5983]

😊😊😊😊

[@JennNxumalo]

💐🤗🥰

[@faiththlela7164]

💖👌

[@Filani_tunz-or7nd]

Hi Sisi ka zee nxumalu

[@karaboshishaba3426]

home📍🤍

[@missbunny97]

I am guilty of feeling behind in my financial journey and the way God is trying to teach me that is hectic each time that I want to same something comes up I must review my priorities

[@ncebakazidlamini2590]

I hear u very well Jenn. Too much information doesn't do us well. It's even worse when u not practising the information u consuming. Like u said, apply ur mind at the end of the day. Am at the point of my life where I'm realising I can consume all financial information I'd like but as long as I'm not applying it and prioritising what works for me I won't get anywhere unfortunately 😔. I had a loan with Capitec an overdraft with standard bank, I'm proud to say they r fully paid from now forward I can start looking into investing and saving, also having a car (fully paid) I have realised I need an emergency fund. Having a car its an expense on its own which you'll never understand until u have a car, same goes for a house.

[@londiwesishi4689]

❤❤❤

[@triciakekana]

❤❤❤❤❤

[@suenettematras7589]

❤❤❤❤❤😊😊

[@SinenhlanhlaMkhwanazi-ls1in]

Hi sisi, thank for this video. I am learning a lot from you sisi. Thank you

[@pridemahlangu1884]

You are God sent and you are passionate about this topic. Powerful message : Check where your money is going Deal with the problem first and focus on the basics. the rest will follow.