VW POLO LIFE TSI | COST OF BUYING | BALLON PAYMENTS | CAR DEALERSHIP MANIPULATION|

#carcontent #vwpolo #vw #carlover . Buying a car you do not afford is the same as committing financial suicide. It’s the easiest way to depression. Vw polo seem cheap or affordable at least that’s what people say about vw polo in reality they are expensive. I will do a car review on vw polo. Don’t make the same mistake as me.

[@janeseswai8299]

Honestly, its better to drive a cheaper car and have more disposable money and money to save. There are more important things to do in life than just driving a beautiful car while you are depressed because of the cost. Great video.

[@nybre8964]

"mr debt, the walking debt machine"🤣🤣🤣

[@Sipho.mdluli]

😅😅

[@khumalonomzamo9296]

This got me laughing untill i started coughing😂

[@RiteshBalu-w1x]

R8000 for an entry level Polo. Thats depressing indeed

[@phumlanidollar9748]

Lapho there's no sunroof yoooh 😔😔😔.... sosha yenze I Uber straight😅😅😂😂.... subscriber no. 67

[@Sipho.mdluli]

😂😂😂😂😂 I am looking into that possibility

[@ziphozonkegumede7416]

Uber Black... One time

[@lesediseemela9856]

A Polo TSI is no longer an entry level car. That’s why VW introduced the Vivo, which now retails for close to 300k and it’s a disaster. I don’t know why they killed the VW Up because it would be perfect for this economy.

[@gummieysibisi9444]

Thanks bro for sharing. I almost made the same decision. I can afford Swift, but I love the Baleno GLX. Please, down grade, there’s no shame

[@NATE.M]

Almost 700k for a polo is nuts. 😭🙏 At least we learn from our mistakes and other people's mistakes.

[@MrXolaX]

R7000 for a car whilst earning R17000 is not a good idea

[@Timothymukansi]

He didn't even mention Insurance and fuel. VW is killing our brothers

[@sincemayiv]

the narration is killing me 🤣 "sibawu3 ku-R10" 😂😂😂

[@Sipho.mdluli]

🤣🤣🤣🤣 I will make a video of me in the taxi

[@Ntsika_Yomzi]

I stumbled across your video and I wanted to add my 2 cents for what it's worth. I've read the Uber comments, which is a viable option to remake the money or to alleviate the cost of the car, however it's a risky income stream. If you use your normal comprehensive insurance and do Uber, but something happens to the car (God forbid), the insurance company will look for every possible way to not pay out the car. And now you'll be paying R8k without a car, which is not very smart. If you decide to add ehailing insurance to the car, it will be much more expensive compared to your normal insurance as there are more possibilities of the insurance paying out especially with Polo's being hijacked. The wear and tear on the car will be faster meaning you will also have to now service the car more regularly, which will eventually lead to servicing it out of pocket. The reason I know this is because I was in the exact same position as you. In 2021 I bought a 2018 polo vivo at 142K on a 11K net salary (Sold it after 9 months and luckily my shortfall was +-R350, because the mileage was still low. couldn't afford to drive it a lot lol), so I understand the qualifying and affording aspect that you started off the video with. My 2 cents to you is to find out how much your settlement amount is for the car, and try to sell it before it's too late. Minimise the loss you are going to take, but at the moment you're going to be taking a loss worth half a mil (excluding insurance, fuel, maintenance and license renewals) if you decide to keep the car for the duration of the term. Don't care about status, because at the moment you're paying R8k a month for it, and it's depressing you. Bare in mind you still have other commitments to fulfil, so don't let 50% of your salary go to a depreciating asset. It's probably your first new car, and it most certainly won't be your last, because they produce new cars every single year. I hope this helps my brother!

[@Sipho.mdluli]

Thank you brother your advice is very helpful to me. It’s my first car indeed, you know I was tempted and I felt for it. I was searching the uber process it’s seems complicated but selling the car back is the priority. I really fell in love with the car for the next six months I just want try and run out options than I sell it.

[@Ntsika_Yomzi]

@@Sipho.mdluli I hope this KZbin option works out. Subscriber 75!

[@anelemakhaba9478]

Just to add on @Ntsika has said, if you consider the selling option don't take the first offer the buyer is giving you, try and approach many dealerships as you can and if whatever they offering you don't be afraid to walk away and lastly we know how convenient having a car is if you thinking of selling and getting oner one like downgrade don't consider a trade in they will low ball you. But all the best bro you will be good

[@heinewittgenstein3994]

@@anelemakhaba9478 Or he could just dump his wannabe influencer girlfriend. It's funny how most men will blame the system, corporations, Jews, Black people, government, instead of admitting the obvious, that their women are the problem. I don't care how much you make, as long as you have a woman, you will live beyond your means. Most of my friends make 5-6 times what you make, but they are just as broke. Besides all the R1000s you spend on her per month. A woman would make you see the need to live in Kyalami, and eat Woolies, unprovoked. I'm sure even buying that car, he was just trying to impress her. Get rid of the girl (who is prolly the source of all his depression), get a flatmate in Midrand. He will comfortably ride his Polo off to the sunset.

[@Karabo-l9v]

I like the way you narrated your story to the end. This is exactly what most of us fear to go through in buying these cars as much as we want to own them. 😢

[@Sipho.mdluli]

Thank you 😊! It’s pretty scary to buy a car in our days

[@mondemkhize525]

I am watching this video every time I think of a polo 😂😂😂😂😂😂

[@nyiko24]

You can make an extra income by doing stand-up comedy, a very good narrator. A piece of advice to anyone who might come across this comment, never agree to dealership arranging finance on your behalf. Approach the bank directly, your interest rate will always be atleast -3.5% of what the dealership is offering.

[@Sipho.mdluli]

True I hope everyone out there can see this massage and follow it up but it’s got some power

[@Takynem]

This is true. I cannot see how one would agree to that 17% worse variable. They did him dirty.

[@tkmextra]

The way you narrate 💯💯💯, I enjoyed this video

[@ndumisomchunu5184]

"See one of my trusted girlfriend" 😂😂😂😂

[@tlangelanileonard6818]

Ola bro. Take the car back, it's expensive. Buy yourself a tazz and save more money. I'm a South African staying in Germany and I'm driving a toyota corolla(run x in SA) it is 18 years old with 64 000 km and I bought it for R100 000( 5000euros). Now it has a year and it has never given me a problem. My bank account overflows. I'm saving lot of money every month. Imagine with the installment you're paying every month if you can be saving it every month for 5 years.Dont live to impress, be yourself and drive a car that can make you save more money. All I can say buy a tazz and save more money. Danko. Watching your show from 🇩🇪 🇩🇪 🇩🇪

[@Sipho.mdluli]

Danko ! Brother I have given myself six months to try and change my life around if I fail I’m selling it and I’m going back to public transport. Shoutout to you brother lapho 🇩🇪🇩🇪🇩🇪

[@Sipho.mdluli]

Danko ! Brother I have given myself six months to try and change my life around if I fail I’m selling it and I’m going back to public transport. Shoutout to you brother lapho 🇩🇪🇩🇪🇩🇪

[@beinjar5634]

LOL! A Toyota Tazz hell no 😂 why not buy an affordable car with at least an airbag, electric windows, etc …since you like VW and having said you would afford Polo Vivo so why not buy pre-owned Polo Vivo with better features than Toyota Tazz otherwise Tazz takes you back to 90s, cars without electric windows and proper acorn

[@beinjar5634]

Tlangelani tshika ku xisa xisa mfana lweyi hi tazz 😂😂😂

[@masz6323]

Same here, I bought a Polo vivo 2013 model back in 2016 for R90 000, it had 71000kms plus a small ding on the bonnet. Today it has more than 326 000kms and still going strong. I enjoy every moment of owning a paid off vehicle that was not a pain to pay.

[@azwimphelelintshavheni3906]

You can renegotiate your finance deal with the bank, or look for cheaper insurance, limit the distances you travel. You can trade in for a cheaper car but the Ballon will remain, there's no need to feel depressed, you have a nice car just manage your finances it's not the end of the world, we soldier on bro.

[@Sipho.mdluli]

Thank you man this means a lot to me I’m already on the process of renegotiating I’m still waiting for the lander to make a decision about it

[@Nzisto98]

​@Sipho.mdluli you can also switch ur car to another bank and negotiate a better fixed rate

[@Takynem]

Fixed rate is the best. That 17% was daylight robbery.

[@raps7287]

"one of my trusted girlfriends" This is a polo driver through and through🤣

[@Sipho.mdluli]

😂😂😂😂

[@tumelomohale9766]

You're brave to be so honest on such a public platform, my guy. You deserve the likes and subscriptions. Mara my guy, you and your partner need to balance each other. You can't both be trying to keep up with the Motsepes. One of you needs to be good with money if you're going to be successful (and you have to listen to that person)

[@Sipho.mdluli]

I will improve my financial knowledge

[@tumelomohale9766]

@@Sipho.mdluli wishing you the best, king

[@sanelekunene1905]

Damn! More people like you should come out and speak about the debt crisis caused by owning an expensive, it is totally not worth it.

[@Sipho.mdluli]

Yeah but it’s not easy it’s like walking around naked after revealing this

[@m__Asive]

‘Despite going through Muzi’s teachings’ 🤣🤣

[@sisam1724]

Thanks for your honesty. Buying a brand new car these days is not feasible. The cost of living is climbing every day. I hope you find a solution to your situation.

[@Sasa_mmm]

The fact that your narration sounds so depressing 😂😂 lol. Hade my guy

[@Sipho.mdluli]

😂😂😂😂😂😂😂😂😂😂

[@Sipho.mdluli]

😂😂😂😂😂😂😂😂😂😂

[@Bluelight44]

Ah I don't like what that sales person did to this guy, noorrrr that person was wrong shem😂😂

[@vusingema6172]

​@Tjatjie444 I wish they watch this video 😂😂

[@southafricantraderslifestyle]

@MuziSambo please feature this guy on one of your videos. we really learn a lot from such content and you guys are really appreciated. Thanks for enlightening the upcoming car buyers Mr Sipho Mdluli

[@Sipho.mdluli]

Danko

[@tiaanscheepers5425]

Great honest video man!!! Thanks for bringing the financial facts to life We love cars a little bit too much in SA, especially a Polo (I have one, so Im a hypocrite already). But is it worth our financial futures?

[@Sipho.mdluli]

It’s not worth it

[@OrtizkM]

213k get you in a swift, you won't get the dollies but you won't have residual payment problems

[@2621270]

Sell me your car if you can't afford anymore

[@vincentmothapa2421]

Did I just see 17.25 percent interest rate? 😅 Wow that's one hell of a salesman! Kudos to you for openly admitting that you made a mistake. Hopefully look into other sources of income or get a better paying job, but those things are better said than done. Alternatively consider someone who is looking for a car who can takeover your car payments and keep going with them, giving you a fresh-ish start. I almost made the same mistake. I'm glad I ended up going with a 2021 polo. I can see that I would be crying had I gone for that newer 85kW beast I test drove

[@mpumelelobeyers957]

A firm "STFU!!... I'M TRYING TO THINK " at the car salesman is the REAL deference between stay in poverty or winning in this mzansi economy 🤷

[@lloydndhlovu7985]

Jokes aside, there are people who actually do this🤣😭. You can't opt to be broke just because you want to be seen in a nice car. It's not worth it and people don't care.

[@Sipho.mdluli]

😅😅 I am selling it brother

[@kwenatsotetsi5885]

Guys why are cars in SA so expensive ?😭 im so sick of the ANC!!!

[@Sipho.mdluli]

Everything is expensive here in South Africa

[@asiphenyabelemosha9345]

You know a Kia Rio would offer the same comforts, infotainment system nd aesthetics at a lower price. About 250K which is not that bad compare to the polo

[@johnmalungani8027]

You would have been fine and little happier in a previous model Vivo, that car is fuel efficient and the running costs would have been bit lower, but there is still hope, you can always go and refinance the car with another bank, which will reduce that 17,5% madness of interest, another option is to drive around Sosha or Eldos 😂 then it becomes an insurance problem

[@andisiwekhathini4302]

Interest rate of 17.25%?!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!🙆‍♂🙆‍♂🙆‍♂🙆‍♂🙆‍♂🙆‍♂🙆‍♂

[@Jakdennnnnnn3d333]

Let’s discuss how car buying in SA is such a scam. So I also want a Polo and I have been saving up for the past 8 years to buy on a small salary. To date, I have saved almost R200k. I went to VW to get a quote, and the financing deals I was offered: R200k deposit, 15,38% interest, no balloon. R200k deposit, R70k balloon, 8,28% interest. WHAT??!!! My credit score is 679 which is considered very good. It literally will work out cheaper to get a personal loan from private professional banking and buy it “cash” and repay the personal loan. It really is a scam

[@ClintDavids-j7x]

A personal loan interest is compounded and will cost more than a vehicle loan. A vehicle loan interest is calculated upfront (simple interest).

[@mbalintobela4060]

😂 ey akuhlekisi but nawe, the way usixoxela indaba i cant help but laugh

[@Sipho.mdluli]

😂😂😂😂😂 vele we mustn’t cry akushoniwe lana

[@bhekanixulu7231]

17 percent interest rate !!! Bro sorry. That was a day light robbery 😢😢

[@TheFiki14]

Might as well have bought it on a credit card😢

[@ntshembomashaba2937]

Lesson learned, don't go into the car with sales person. Noted. Let them stand outside, when they do applications, communication of repayment be at home and think. Noted

[@Bongani_Charts]

Really wished to like and follow but I heard music throughout the whole video instead of you🙄.

[@Sipho.mdluli]

No problem 😉 I’ll keep improving more and more

[@TazzySA]

My brother, do you offer middleman services helping people to buy cars? I personally don't have the time and energy to search for a good car which is why we immediately think of dealerships. If you do, that would be really helpful. Thanks

[@Sipho.mdluli]

Sure can do it

[@fabianpetersen2452]

I have never in my life bought a brand new car even though i can afford to. I still have my Honda Accord i bought in 2011, a Isuzu bakkie in 2017 and recently i bought a polo 2014 at a vehicle auction cash. I own all of my cars not a cent owed to banks. I look at people driving brand new cars and i always wonder how do they afford these cheap qaulity expensive cars 😂😂😂

[@Sipho.mdluli]

☝️🔥🔥🔥 to be like you

[@njabulontombela1360]

i always advice new car buyers/owners to get an Asian (Hyundai, KIA, Suzuki) car as your first car. They're very affordable and cheap to maintain.

[@lehlogonolomanyakoana9227]

Get your car registered on bolt or indrive (prefer bolt) and use the rush hour times in the morning and evenings to take people on rides. I don't want to say much but trust me you will make the extra cash you need just driving around your car. 100% worth it , speaking from experience . Goodluck, make more informed decisions next time, use that engineering critical thinking that is instilled in you.

[@Sipho.mdluli]

Thank you 👍👍👍 I am in the process of doing my Pdp so I will start the process of registering Uber

[@zethembebrilliantngema471]

Even if your take home was R24K, You had no business buying that car. R8k 😩 and that excluding petrol and insurance, what about rent, black tax, grocery 😭😭😭

[@Sipho.mdluli]

True check part two 😭😭

[@praliphada]

LoL you are blaming sales people for your lack of discipline. You went to buy a Vivo and came out with a 2023 TSI, and shifting the blame to sales people. 🤣 But I know you are enjoying that Car, and you over look what you are sharing here almost everyday.

[@Sipho.mdluli]

This car is the best car 😪 but I have to let it go

[@jamesfrankthomas7933]

Look at refinancing with another bank, nedbank(MFC) usually has the best interist rate. 17% is crazy especially on a new car.

[@Sipho.mdluli]

Thanks for sharing!

[@SOberem-o7b]

Spending almost 40 percent of your income on a car is problematic and not affordable. There is something you can do. I assume you cannot walk away, so you will need to double down - if you can suffer for twelve months - and pay an extra 1500 per month - each 1500 extra you pay now is 800 less you pay in the future. If you can keep that up - let's say you get an increase from work - and you keep that up - you can save 130,000.

[@Sipho.mdluli]

This is good advice I will consider it

[@princemathebula4475]

It's either you switch off background sound or improve the quality of your voice. That's when I will subscribe.

[@Sipho.mdluli]

I am expecting new gear for my Audio and the mixer on Wednesday hopefully you will see my next video

[@dominicnyambosemthethwa8024]

Uyahlanya wena dont hold him at ransom. You can see he is still new n starting mara wena unama demand wakho abhedako. Don’t subscribe at all aw.

[@i_declare_bankruptcy686]

Bro is cooked, yoh!😭🤣🔥

[@Sipho.mdluli]

😅😅😅😅😅😅

[@esthermoloi1875]

Tough times never last my brada, ithi ngi’zame and subscribe 😂 Nathi siphuma ku ma balloon payment - I absolutely DO NOT recommend, if you can’t afford a car and need to add a balloon payment to afford the monthly repayments just let the car go honestly. I was so traumatised I’m probably gonna drive my car until I die! It’s fully paid now but I can’t imagine going through the financing process again - my hope is to get hit by a car and claim RAF so that I can drive my dream car 😅

[@Sipho.mdluli]

😂😂😂😂😂😂😂😂😂😂😂😂😂 to be hit by a car yoooh that’s some plan you got there. They already have a backlog of 175000 applicants who they still need to pay But a plan is a plan 😂😂😂😂😂😂😂😂😂😂

[@sabelomgaga5879]

Your story is painful and your narration is hilarious😂. Return the car bro, 8k is too much, ngapha it's insurance plus fuel ayikhona.

[@Sipho.mdluli]

Bro tell me about it

[@ndumisocele3827]

Your story is extremely sad mfana.. I hope you have returned that car, it's really not worth it.. Your mental health will get worse... If you are around Nelspuit I can help you look for another car and get a better deal.. You must never accept paying so much interest, and no to balloon payments.

[@Sipho.mdluli]

Thank you Man, I’m in the process of selling it currently. I’m around Durban

[@speeezus674]

This shouldn't be as funny as it is😭😂 Askies Buddha, hopefully it all works out for you👊

[@Sipho.mdluli]

Definitely I must

[@tsibishokoti]

Mina m earning less than R10000, i don't dream owning a car that i can't afford, currently m m doing a jetta 3 project n m not in a hurry so for now old skul will do for me, especially if you have family it's worse so askis bro live by ur affordability u not in race but but marathon i hope you get a solution asap

[@Sipho.mdluli]

I will get the solution, the way out of my problem

[@Emeritus63s]

Mate please work on that mike of yours - your content is good but how ill this international platforms and the broader South Africa.

[@Sipho.mdluli]

Noted

[@sbuwieguwie20]

8k per month for a polo no way bra that's a rip of 😮😮😮😮 Muzi car reviewer did say people are suffering out here some in silence

[@Sipho.mdluli]

Ayi I don’t know too

[@otis3744]

Bro got personal loan interest rates

[@sandiswashange7070]

This is why I watch Muzi Sambo. He teaches us these things. I don't think it's too late to sell the Polo my guy. Move smart 💪 and please reduce the music volume. I kind of find it hard to hear u half the time 🙏

[@Sipho.mdluli]

I will improve my sound thanks it’s went out of control

[@Shelton_killed]

Should have stopped when you saw the 17% interest rate , but it is what is bro , we learn the hard way

[@Sipho.mdluli]

Yes but I had a history of on paying off debts from credit stores

[@dineomakgobatlou2434]

Exactly my thoughts

[@KayDeeDuiker]

This is why i only drive second hand cars nothing above 200k

[@Sipho.mdluli]

You won’t regret it 😪

[@Force-YT]

Ekse Mr Debt 😂 you've earned yourself a sub. Ayy 😨 17.5% is wild 💀

[@Takynem]

My thoughts exactly. Thinking i cried thinking i am being robbed when I negotiated 12,75 fixed. This salesperson is dirty!!

[@mvelomanana1350]

17% interest this means you had a very bad credit score, u were supposed to patient and grow your credit score to be over 650 points, i got mine financed with ABSA with an interest rate of 11%, my point is bad credit score higher interest but good credit score lower interest i hope you get it

[@Sipho.mdluli]

It’s was very bad I think peer pressure got the best out of me

[@musankuna2396]

17,25% interest rate haaaaa can't be me.. rather be Jonny walker

[@Sipho.mdluli]

😂😂😂😂😂😂😂😂😂😂 it’s even better

[@beinjar5634]

Such a lot of money on a VW Polo haha this is bad for such a car, it would make sense if it was a Mercedes or BMW not Polo nooooo

[@kgodisomalatjie9997]

Bra just take it back. Don't care about what people will say.

[@Sipho.mdluli]

I have began that process

[@PhemeloReviews]

Join uber/ bolt/in drive and drive on your off time and make cash to recover

[@Sipho.mdluli]

It’s work in progress

[@thabangmotshoane1776]

You should have spoken to one of your boys and not a gf who will leave you soon coz you broke

[@Sipho.mdluli]

She already left me

[@Timothymukansi]

This has to be satire...

[@elliotkarabo3144]

My friend you're a talented KZbinr. ❤❤❤. I even subscribed and liked

[@Sipho.mdluli]

Thank you so much

[@gugumsimango6406]

Really dude, went to a girlfriend to get money advice. Not to say she is good with numbers but we all know girls will say keep it and when you are deep in crap, she won't pull you out. Get rid of the car stop going with society's needs and get what you can afford.

[@Sipho.mdluli]

You’re brutal honest, I like that!

[@tshepomorobane6617]

Yaah neh dis is bad

[@tshepomwanza]

Walking debt machine 🥲💀

[@Takynem]

Wait!! Why such high interest when it is variable?

[@Sipho.mdluli]

I’m in contract employment plus low credit score

[@LentswenyanaMokone]

So you are, keeping your 🚙 because you don't want to lose your status, that's sad because you live are living in a ABS position so you care about what people will say, but have you thought about how will it effect you in the future and on purchasing anything. Because Because living with the fear of what will people say 😔😔 because at the end of the day people have something to say

[@Sipho.mdluli]

Thanks for that it’s true, I will eventually have to sell the car but firstly I need to do everything I can to save it I have given myself six months to try and turn my life around if all fails I sell the car

[@LentswenyanaMokone]

@@Sipho.mdluli you can use your,car on weekends as Uber or you can do a transport sceme. I 🙏 that everything goes well on your side, and hope if you decide to sell your car you don't incounter a shortfall. I hope when you bought your car you bought it at a fixed interest rate I believe in you and I know for the fact that you won't fail😃😃😃

[@thabisolebea245]

Nice video bafo, just your honest truth about your experience in owning this car and nothing else. Very insightful. Let me like and subscribe

[@Sipho.mdluli]

Appreciated

[@quincytshivhase8318]

😢😢😢😢😢

[@papaaction1694]

I might have a solution if you are open to it. 1.since you are an industrial engineer you qualify for a young professionals account with standard bank and absa. With this account your private banker will get you low interest. 2.shotlist cars under 260k With a young professionals account your interest will be lower meaning your installment on a 260k car without a balloon will be anywhere from 5.1k to 5.8k 3.find out what the settlement amount is for your current car.Once you know the settlement go to reputable dealerships and try and sell that car for Close to your settlement amount. 3.1 if you love vw trade in your car for an amount close to your settlement So that your shortfall is reduced and than get a vivo demo it should around the 260k budget. Shop around don't take the first offer you get. 4. If you buy a swift,baleno,i20 pre owned or demo ,i10 pre owned or demo at the budget of 260k , cause they not high risk your car insurance will be less however they don't retain value like other cars in the long run.

[@Sipho.mdluli]

1. I am in the process of switching over to the young professional account but the process to be finalised Monday. 2. This sounds interesting and I am considering it. 3. I will check up this will all be done in the next six months since that my target date to turn this around. 4. I was thinking of trying out the Ford Figo since you can get a pre owned around 150-180k pre owned.

[@tshegopadi2014]

Go for a Young professional Account, I am on the Standard Bank one, And I am paying less than than what people are paying for Vivos, The trick is shop around, and take your time, don’t be in a rush, compare prices and choose the least price. Negotiate both the price from the dealers and also the negotiate the interest rate with the Bank

[@gift_realg]

😂😂😂😂

[@OG-nj3zz]

Eish kodwa nawe mfethu 🙆🥴🥴

[@Sipho.mdluli]

😂😂😂😂😂 ngiyabhayiza 😅

[@moffatk7948]

Yerr bra, how did you get so deep in this dept. You were very far from affording this car. Anyway experience is the best teacher. I feel for you. Been there before, although in my novice years, i went for the cars I could afford. I bought many cars before even financed but never ever included balloon. Good luck and thanks for sharing.

[@dnpo]

🥺😩

[@heavygustav]

Don't take it back Figure out a way to make more money

[@Sipho.mdluli]

I have been trying that but I haven’t been able to get money

[@SiyaMedia]

R7k excluding insurance 😂

[@Sipho.mdluli]

Welcome to South Africa 🇿🇦

[@shihluke_mashaba]

Thank you for the video, it is an eye opening content for many of us.

[@thapelo8830]

Bro get rid that car, with R17K net salary its not worth it. A financed car in general is not a good idea with that salary. but there's an alternative if you still need a car, i noticed you are using standard bank and you are an engineer. You qualify for a young professionals account and it comes with the benefit of low interest rate (prime -0.25%), other banks have the same scheme which might offer a better rate. With this info, also look at getting a cheaper car (if you really need it) preferably under R150K or spend less than 20% of your salary on your car installment without a balloon. bro you need financial freedom, and TBH the polo community is not one of the things you don't need to worry about. you might get a shortfall for selling your car but at this stage you have projected a net negative to your financial year which will get worse and affect your mental health more. you have acknowledged a problem - don't live with it, deal with it.

[@Sipho.mdluli]

Young professionals account I wasn’t familiar with it but sounds amazing. I will call the bank Monday to check if I can get one 🫡. Thank you this has given me hope.

[@TheFiki14]

@@Sipho.mdlulicheck with other banks too, I know absa and fnb have good rates too. And I’ve heard investec has the best interest rates for young professionals accounts

[@sbonzama7013]

Background music too loud.

[@Sipho.mdluli]

I did notice that part after posting I will do better next time

[@cammysimon8578]

Report the car stolen bra I can't teach you everything. You have insurance right?

[@Sipho.mdluli]

😂😂😂😂😂😂😂😂😂 I yes, I do man

[@cammysimon8578]

You know what to do, Soweto is not far.😂😂

[@puna7616]

ohhh my word Sipho youre too funny dude

[@Sipho.mdluli]

😅😅

[@pridecele6606]

Sibaw3 ku R10😂😂😂⚰️ This guy is funny is kahle kahle

[@bargiosa1414]

U and I earn the same ....got me a demo Vivo comfortline ....and had a test drive on the polo life ....the ride is basically the same ....glad I didn't fall for buying the life

[@Sipho.mdluli]

Yooh tell me about it

[@VerySadBatman]

😂😂😂 Mr Debt, The Debt Machine! You're killing me man. But you're doing a service do the community.

[@Sipho.mdluli]

😅😅

[@delsegno2519]

Jikisa lomoto uthenge la polo vivo buyifuna kwakqala

[@Sipho.mdluli]

Yebo kunjalo

[@zanedunn3621]

Lord have mercy, @muzi sambo come see this😭😭will pray for you brother it’s not easy.

[@janvusi1407]

Sorry bro R8000 is a price of SUV

[@Sipho.mdluli]

Bro can you imagine bro, this just makes me sick

[@phumlanimbanjwa19065]

Bro you are most people i was once you then i learned and still trying to teach others as well, the surprise you forgot is repo rate 😅

[@Sipho.mdluli]

That satan 😭😭

[@8Konrad]

all for the status, eish... why? you have a gf already, why show off? live within your means and be happy.

[@gomolemoaphane5977]

One of my trusted girlfriends 😂

[@Sipho.mdluli]

Got few after buying a Polo

[@Error-vp6mo]

😂😂Rule no. 1,5887, leave ur girl home and suprise her with the new car😂😂otherwise u will end up taking unwanted things n spending more

[@humphreytsatsi8916]

This narration is top tier 😂

[@Sipho.mdluli]

😅😅😅😅😅😅😅

[@cmukupo1606]

Sell it pay back and borrow a 100,000 24-36 months go to we buy cars and get you a used corolla and be at peace

[@ntshembomashaba2937]

With info from Muzi and still you took the deal? What happened?

[@Wisdom_Gate123]

Same here. I thought depression was for people on TV until it came knocking on my door... 😢 Thank Jesus I'm 🤣🤣🤣🤣🤣🤣 today. Wehh! 😱 DEPRESSION!!!

[@Sipho.mdluli]

Yooooh this is really serious I never understood until it’s happened to me At least I got you 😂😂😂🤣🤣 today

[@katlegomoatlanegi9305]

First mistake you made is to listen to your girlfriend 😭💔

[@Sipho.mdluli]

🤣🤣🤣