Why I'm NEVER BROKE - MY MONEY MANTRA

[@ntokozongcobo4091]

Two weeks ago, I calculated how much of my salary I use.. 12% ma’am! I spend 12% of my salary! Now with that said, the rest of the 88% I save, invest, and when I get dividends I reinvest them back into my stocks... the goal is financial independence. Financial independence is the ability to provide for your living expenses for the rest of your life without having to rely on a job. Financial independence means you don not have to exchange your time for money. Your greatest asset is your time! “It’s not your salary that makes you rich, it’s your spending habits.” Charles Jaffe I could talk about money all day! 🤗😂 Loved this Yolenda! ❤️

[@isiphilemathafeni5000]

Hi cc. Would you be so kind to share where you save and invest.

[@ntokozongcobo4091]

isiphile mathafeni I put away x amount away into my savings account, I use Tyme Bank for my savings, you earn 7% interest with your money just chilling there, also their banking fees are better than most. For investing I use EasyEquities. Also, it’s important to do your own research before you jump onto anything! ❤️

[@idonwonpeace8238]

Just curious. Does that 12% include your rent/bond and car? Do u save and buy them cash? Or loans/finances?

[@ntokozongcobo4091]

thatboisyd insta Fortunately I live at home, I Uber everywhere I need to be, I work from home. That’s how I get to save so much. Also I’m fortunate enough to have parents that require no black tax. Literally the 12% is me paying myself for working so hard.

[@idonwonpeace8238]

@@ntokozongcobo4091 shout out. Keep stacking. Good to see other people choosing to stay out of debt ang growing capital

[@kopanoshimange]

Where my money goes my money grows! I love that! Thank you so much for sharing this

[@lulufierce01]

Where my money goes my money grows. My money doesnt leave my account without purpuse. Saving. Your money must bare fruit Wow Yolz thank you for these gems❤

[@tiyiselanin]

I’ve been in a place when I had a lot and a place where I had nothing at all. The lessons I learned from lack, I’ll carry with me for the rest of my life.

[@YolzChannel]

Tiyiselani's world 🙌🏽🙌🏽

[@duduzilemn6597]

Can you share what lessons you learned

[@mbinaomukuambi2459]

I literally rewatched this 3 times just to meditate on it / bask in it. Honestly my money journey changed in 2018 when I simply decided money is my God given portion and not my master. It works for me and not the other way round. I have kept that with me and when I slack, I remind myself and go back to that state of mind. However this year I decided to be intentional and basically apply the notion that “my money serves purpose and where it goes it grows” as you put it. It’s also important to not be hard on ourselves and realize that we deserve good things (new jeans & shoes not faded ones or worn out) and not fear it. Living in fear of “what if I end up broke or what if this happens”, those somehow imprisoned me so I had to remind myself of God’s truth, that fear is not from God and you know what, whilst always preparing for tomorrow, today is what I have and not even fear should steal that. We were taught how to make money, just not what to do with it and how to make it grow or work for us, hence we are so uncomfortable around it.

[@tapiee_nesu]

Decree a thing and it shall be established! Speak poverty, lack, depression -you will continue to think it, act it and live it! Speak health, peace, abundance-you will think it, act it and live it! Death and life are in the power of the tongue, chose life 💜

[@motheowalerato701]

Amen🙌🙌

[@HopeMakola]

Your humility in your intro is really moving...thanks for sharing 👌🏽

[@YolzChannel]

Hope Makola You’re most welcome hun❤️

[@lebonhlapo2607]

One thing I've learnt is that MONEY IS A SPIRIT!!!!! I have a healthy relationship with money.💛

[@dibusengmhlotshane3293]

I normally leave my money for a day or two before I used it and speak with it. I can't wait until finally, my brand makes me more so I can leave the 9-5 job. Thank you for always inspiring us!!🌻I hope we inspire you too

[@thobilemillicentmoreboli2467]

Thank God for you. I follow overseas programs on money like Dave Ramsey, Chris Hogan, Afford anything but not everything. It's so refreshing to see South Africans talk about money. We only had Nicholette Mashile. Thank you sisi and keep them coming.

[@PurposeDrivenWomen]

I tripped running here 😂😂. Eish Yolz this is something that am trying to learn hey, money language, discipline and financial literacy and wisdom nje. Thank you for sharing and may God answer all your prayers 🙏

[@YolzChannel]

All Things Women For His Glory You’re welcome love❤️

[@angelkhayes5450]

:-)

[@nayelushaba3041]

Money loves me. Where my money goes, my money grows. Thank you for this Yolz. I don't work for money, money WORKS for me😍God bless you🙏

[@lethabolegodi]

This is soo powerful 😭 “Speaking to your money”❤️

[@ntombik_]

"My mentality is way greater than my circumstance" I absolutely love this.

[@PalesaM1]

Personally I say those words sooo much,”I’m broke”. The day money comes into my account it’s gone because it’s already been allocated for this or that. Thank you for this video, I’m going to actively work on changing my relationship with money for the better❤️

[@wanderingcucamber7082]

Well done for budget sis, that’s already a great start xx

[@palesatalks6629]

My name is also PALESA 🙃🙃

[@silindiledlomo6050]

Great money lessons 🌺Hearing people saying "you're pushing someone's vision" can be really draining for a person trying make ends meet. I do accept that I'm probably taking this statement out of context but for me it's easier said than done. Life is not as simple🌺not that this video mentioned anything about a 9/5 but I just wish we would encourage/inspire without looking down on corporate ❤️

[@Bhojongwane]

The aim is not to discourage a 9/5, it's to help you realize that it shouldn't be your destination. It shouldn't be a comfort zone. Just a platform of learning and allowing you to save up for your own shishini 1 day. Not that you can save up till you can start your own corporate, but save that you can sell some service/products on the side because you will never be reach your financial potential on a salary. We all have to start somewhere, hence we work 9/5. But don't be comfortable. Coz the bosses one works for are playing gold and taking vacations while you burm the midnight oil trying to meet your deadlines. Strive to get out of your 9/5.

[@silindiledlomo6050]

I totally get that but the thing is 'saying 9/5' can be your starting point is a totally different statement. I understand that narrative and that one is clear but in most cases that's not how it's said to be honest. I get that it's to encourage, which is why I said I do wish we can encourage without dissing the 9/5. And also working for someone is not always the worst thing that could happen for someone's career. I get your perspective and I don't disagree. But I feel like the way it's said is a bit insensitive, that's all I'm trying to say. 🌺

[@Bhojongwane]

@@silindiledlomo6050 I understand you sisi. This world is not as easily rewarding for bravity as they make it seem. Sometimes common sense and planning are your better allies than courage. I'm not saying courage has not made people millionaires/billionaires but tbe truth is, times are not like before. Nowadays you don't know how low you will have to stoop to reach even just R100 000. Let alone a million. The business world is ruthless and not always so kind. I've just been robbed of a hard-earned R17 000 in my aspirations of trying out the entrepreneurial world. It aint easy as we're led to led to think we're "lazy" if we don't test our entrepreneurial spirit. Kodwa ke ngiyaye ngithi most businesspeople have a story to tell, and that story wouldn't be inspiring without hardships and disappointment. It's 08 November 2020 after December 31st I will be unemployed (as I already resigned from work simply because my 9-5 doesn't allow me time to explore the entrepreneurial side of mine). I KNOW it's not gonna be easy. I'm expecting at least 3 years of hardship (just to condition my mind that I'm not gonna be rich overnigh). I worked 9-5 but it left me feel drained, depressed, undervalued and now I'm trying a different route. Let's appreciate the security our 9-5s give us but let us not give up on our dream of financial and just freedom of time to live, really live, and get more out of life than what it shown before our eyes but is not there is to life. I have hope. I have expectation of disappointment. I have hope, again, that even that disappointment is part of the story I will have to tell 1 day. To inspire and educate others coming after me. I owe it to my hard-working mom, family, unborn children to choose a road difficult and less traveled by so their lives change through the change of my mentality. I appreciate everything, 9-5 and all, but there's more to life. And I never wanna lose sight of that.

[@ReagileKopi]

Yolz! Coming through with the wisdom! For me, lockdown made me realize that I deserve better, that I was too comfortable with how things were financially and that there was need for change. I started with my mindset, listening to money affirmations! It truly works!!!! Thanks so much for this Yolz! I love your transparency!!!

[@Kay.m_]

I needed this. I've done really well for myself coming out of university and getting my professional qualification. I was in a great money space two years ago where my money worked for me and I didn't have limiting beliefs around my earnings. Things have changed in the last 18 months and these points I took down from this video are just what I need to recalibrate my energies and focus on abundance instead of the alternative. Thank you, Yolz.

[@YolzChannel]

Sincerely Kay you’re most welcome hun. Wishing you the very best for your next season❤️

[@zandandima6834]

Yewethu..... Mamela I haven't even watched but I always say this to my Husband.... Im never broke👍👍👏👏 you are a force mamaKa Fez

[@YolzChannel]

zanda ndima Yaaaasss! I live by that🙌🏽

[@shaznewa752]

She is so vulnerable and seems she come from too far guyz . I love her authenticity 😭😭OH my God.

[@rachelsmith7729]

You always lift me up whenever I'm feel down, your timing is always perfect...I love you❤😘😢

[@YolzChannel]

Rachel Smith Aw! I love you too boo

[@thandaxaba]

This is so true, she really does!

[@isabellanothando]

Money loves me. I'm not broke I'm pre-rich

[@YolzChannel]

Isabella Nothando Yaaaaaasss🙌🏽

[@rumbiesweet]

Most of us are under the spell of being subjects to money and working for the money. This video has changed my mentality and how I view money. Thank you so much for sharing

[@kgakgamatsoriet3725]

I just love it when you go all Xhosa on us!😃😍

[@Chuma.N]

I speak 100k subbies upon this channel by the end of this year in Jesus name. Haibo! Maka Fez you deserve it shem😻😩 siyabulela🙏🏽

[@nombulelomcethe514]

I really needed this especially in this hard times, in terms of prioritizing where your money goes....thank you ❤️

[@YolzChannel]

Nombulelo Mcete You’re most welcome hun❤️

[@thandovilakazi9220]

I very seldom like and comment but everything mentioned in this video I'm sure is a very serious need for a lot of people... especially now... "speaking to our money and have our money start working for us", that's my biggest takeaway 🌻💛🌻Absolutely love this Yolenda 🌻💛🌻

[@lindyn4]

Money does not own my career I do... that was deep for me it's like saying I own my time recently started watching a lot of your videos you really seem so sincere I love that

[@londekamgobhozi3618]

Thank you big sis ❤ I felt it when you said we are meant to bear fruits why is our money not doing so 🙇‍♀️🙇‍♀️🙇‍♀️🙇‍♀️. I need a meeting with myself, as in yesterday 😭😭😭

[@tshepimoffat8932]

Thank you so much Yolz💕 Money has never been one of my worries... But now it just become one of the reasons or factors that lead to my mild depression.. I'm working on it... Money can't control my happiness no more.. Money should indeed work for us💰not the other way around.

[@natashasefu7320]

Tithe Tithe Tithe Tithe~Gods potion of our every income mmmmm With time I have learnt the importance of it~one of the best decisions I've ever made financially~Return that which belongs to God. And the many lessons and affirmations Thanks Hun♥️

[@gracemapatha8935]

Tithe faithfully to God and see what he can do for you I have endless testimonies that are based on tithing🙏 Thanks yolz for sharing💕

[@madelynngordon]

I believe this too ladies. I've seen God show up time and time again. It is one of the best decision that I've made in my life.

[@siphomhlanga4251]

This is so true, ever since l started faithfully tithing God has been showing up and showing off in my life.

[@norahtchuba8480]

First time seeing you, half way through the video, pause... Comment and hit subscribe. Your a gem❤

[@achatwithgoitse]

Omw u helped me with everything really Yolz. I didnt understand the video when it 1st premiered but saw on comments how people loved it n decided I would watch again! That has helped so much I took so much in!

[@Wendly_M]

Been planning to splurge on my birthday but now that I’ve watched this informative video I’m literally done wasting money!!

[@munchi8]

Love this..... when I am broke, instead of saying “I’m broke” I say “I’m broke at the moment” and since I’ve been saying this, I’ve always had money but not necessarily a lot of it but I was able to survive with the little money I had/have.

[@nothandolangwenya5374]

Its nice to be here..kumnandzi kuba la😁😁i love the relationship you have with money..really inspired and pushed to work on my relationship with money..Money effortlessly flows in my life

[@thatos6278]

Mind blown🤯🤯🤯Just saved and downloaded for future references.

[@faithdoreen6989]

I love how you back your mantras with action i.e. hard work, discipline sleepless nights! This is key! Thank you for sharing Yolz, you have challenged me to rethink how I look at my money.

[@AsisithiSejosengoe]

You’re my favorite 💐 thank you for always sharing your perspective especially about finances and business.

[@marchelletony4468]

The principle if Tithing 💕🌸 .

[@YolzChannel]

👌🏽👌🏽👌🏽

[@itsphumi2967]

I'm definitely learning here! Thank you Yols!🌻

[@nomasibulemzinzili8220]

Money work for me. I'm giving money direction not the other way around. I attract worthy. I am the authority. Thank you Yolz for such wisdom ❤

[@nthabelengrosa367]

I'm not broke, just don't have it now... 🤗🤗🤗.. definitely loved this. Always pouring wisdom to me Sis😚😚😙😙😚😚😙 I appreciate you ❤❤❤

[@lunathimangqunge4160]

You are preaching my sister! Thank you so much! ♥️❤️

[@lebohangkoalepe8384]

I don't know how personally. But I LOVE YOU!!!

[@YolzChannel]

I love you too boo

[@_andiswa]

I love your mentality about money and I think you are so blessed to have a partner who has the same mentality, that way, you won't need to keep explaining yourself ❤️

[@virgyladyv6215]

Where my money goes my money grows Thank you

[@priscillamashava6655]

This is GOLD 🤑Sooo much truth n wisdom in these principles 🤞🏾🔥 Now look at us we are wiser and we now save.I'm a student and I can say before I would just spend my money anyhow lol buh now we secure the bag and save it we don't just blow it the money.

[@yolandahermanus9703]

Hey Yolz, thank you so much for this video ❤. If you don't mind can you please do a video explaining where your 10% tithing money goes now I know that is private but I have been struggling as to where or who I should give my 10% to 🙈🙈🙈

[@TheLeloM]

Good timing Yaz it's not that am broke just that my bank balance is on vacation 😅😅

[@YolzChannel]

Yaaaaaaassss💃🏽💃🏽

[@lallyDable]

Lol u had me on bank balance on vacation 🤣🤣😂😂

[@leratonthoba1555]

Wowza! Your words are so affirming.

[@lolwethungcawa8354]

You continuously inspire me. Young and very wise💃❤️ Uyimbokodo Yolz🌹

[@YolzChannel]

Lolwethu Ngcawa Aw, thank you babe. And you’re most welcome❤️

[@SinikiweNgcobo]

I totally agree with never being broke. You really are the boss of your money. One of the reasons I now focus on personal finances on my channel. Thanks for this video Yolz to help people improve their relationship with money. This subject is close to my heart.

[@mosaedith7552]

My current situation with money is up and down but I don't believe in being broke unnecessarily, although I am a student. So what I do when I get my stipend is a save some money aside with an insurance company. Afterwards I buy groceries and pay rent. I'm very business minded hence me saving money so build up capital to start my business. Also this is so inspirational. I just discovered your channel yesterday and I am here wondering where have I been!!

[@buhlengindi3913]

I know what its like to have none, so I tend to hold on very tightly to money. Which, I'm realising is toxic. One day, please give us a book Yolz, we have so much to learn from you

[@neilwek4231]

I love this eish Yolz thank you so much!! Working on the relationship I have with money.

[@YolzChannel]

You’re most welcome hunie❤️

[@tintswalomakhambeni3296]

You work to build your career and be where you want to be . Nice

[@zingimmkontwana2007]

Such a powerful video, worth practicing

[@luciamoshoeshoe8145]

yes Babe I liked that part yoba kumnandi ukuba lapha. I am praying to be there myself kubi for now yooo.

[@lifewithntau4478]

Hey Yolz... We love a consistent queen... Love love love the content 👑👑👑

[@YolzChannel]

Trying so so hard🙏🏽

[@lifewithntau4478]

@@YolzChannel we appreciate it love ❤️

[@perfectmsira]

I'm a simple guy. I see Yolz Channel notification. I click vid watch ad and learn

[@YogiSings4]

MASSIVE THUMBS UP! Yaz I value this channel. I am privileged and I am grateful for this one particular privilege. I almost convinced myself not to watch this video because "ndisemncinci" and I was like norrrr man I shouldn't be playing myself like this

[@umgosientertainment]

Why am I only finding your channel now🥺🥺

[@vivian_mpakane]

Thanks for everything love, you have changed my mind set not just from this video, you make me want to do better in life, I am inspired. I love you 😍

[@sibulelesisilana4861]

Yolz this is an important message. Thank you for sharing. I'm jotting down and thinking I need to change because I've been subject to money.

[@meneer_nthabiseng3070]

You're so open with your journeys and how the other person can do it like you or even better. You're always so informing. Thank you ❤

[@YolzChannel]

You’re most welcome ❤️

[@guguskosana1538]

Gift that keeps on giving. Thank you for the knowledge and wisdom.

[@thembinxitywa9754]

All of these Mantras are so important 🙌, notes taken. Thank you for sharing ❤️.

[@MapaloMakhu]

Love, love your mantra.

[@becomingkea7759]

Thank you so much Yolz, I have a testimony, so I heard you spoke about how you decided to pay off your student loan, I cant remember if it was on your podcast or on KZbin but a light bulb went on in my head. I have had my NSFAS loan for so long and just from what you said I decided to pay if off. Thanks, what you share helps us.

[@YolzChannel]

Aaw! I’m so glad hun. Yes, it was on the podcast. So much weight lifted from my shoulders when I paid it off.

[@leratothekiso2917]

Oh Yolz you are God sent, this cake at the very right time. Thank you!!!

[@mpumelelondaba]

Thank you so much for sharing Yolz. I know sokola mentality veerrryyy well, which is why when I started working this year I vowed never to go back there. I also stopped speaking “brokenness” in my life, and I encourage everyone around me to stop saying that. The part about my money not leaving my account without a purpose - yaaaaa that’s still a work in progress 😬

[@celiwemokoena6462]

Thank you Yolz.. This is just what I needed😭😭🙏

[@YolzChannel]

You’re most welcome

[@rorisangtshiamomokoena]

Yoooh yolz got paid 5 days ago, i am on R200 now. Really this needs practice.

[@mmamolemomodisadife2726]

'it's nice to be here, kumnandi ukuba lapha.' 🙌😂 Yassss take me to church. Thank you so much for this. ❤ For the first time during this Lockdown, I feel positive about my future. Especially because I lost my job somewhere in the middle of the Lockdown.

[@motheowalerato701]

Amen, Hallelujah 🙌🙌 God is faithful!!!

[@banelediy6312]

Enjoyed this💕loved that you said money must work for you..

[@YolzChannel]

So glad you enjoyed it hun🤗

[@KellyMataure]

What a video!!! Just discovered your channel and I'm hooked!!❤💕

[@Finallydoingthework]

Thank you for sharing with us. I feel the same growing in a poor family wakes you up early to working and desiring financial freedom

[@mphojenny764]

Was so excited when I got a notification 💃

[@YolzChannel]

Yaaaaaaaasss🙌🏽

[@Weanywzah]

Your voice is so calming, soo therapeutic to listen to you ❤️🙏you literally sound and look adorable

[@deepsmosia]

Shout out to you Yolz, I always tell myself I'm broke i think maybe that's why I see things keeps remaining the way it is right now, back to law of attraction you are what you SAY you are. Like always I loved this message. Money should work for you. Dankie mogirl🥰

[@YolzChannel]

Dipuo Qholosha aaww, I’m glad you could reflect hun and now let’s effect change👌🏽🤞🏽

[@learnertostudent3213]

What a powerful video sis Yolz you are always on point when it comes to money topics-thanks for the mantras❤😊

[@andilemkhonza]

Thank God this video was suggested on the day my salary hits my account. Big changes🙏🙏I literally spoke to my salary and I know it will behave, thank you sis💐

[@SinethembaZondi]

Keep doing a great job Yolz. All the way from KZN you inspired so much, I also opened my youtube channel you gave me that courage and inspiration 💕

[@SaltieBW]

Just subscribed to your channel ❤️

[@thabi2327]

Me too❤️

[@thabi2327]

@@SaltieBW I did the same to yours❤️

[@YolzChannel]

Aaw! Thank you hun❤️

[@lethingxabi8341]

Let me subscribe.

[@leonndhlozi2739]

Informative content Yolz 🙌 siyabonga

[@RandomswithShades]

needed this video❤ my relationship with money was "if you have it use it" very careless but having a business of my own I had to start thinking differently. What I'm taking from this video is that my money needs to work for me and that when taking calculated risks I shouldn't do it blindly. thank you Yolz

[@paballomotloba7504]

Welcome back dear, you've been gone for long but i know you've busy with Yolz Beauty❤️❤️❤️

[@YolzChannel]

Paballo Motloba Thanks love. I posted last week though🙈

[@ayandambhele4550]

Thank you for sharing ❤️

[@duduzilemasuku5430]

I absolutely loved this video, thanks Nolz. These mantras are very much welcomed into my life. Ngiyabonga

[@nomsanay8640]

You have no idea howuch I needed this video💜 The timing is crazy. God really works through people... Thank you. 🌻🙌🏾

[@phumud4644]

I also never say am broke,can't even remember the last time I used those words,I save the little extra and it becomes more in the long run/years

[@LethoHali]

Yolz!!!!!! Love you girl! 🎊

[@thandaxaba]

Yolz= South African KZbinr with wisdom ngqi❤️

[@nompilopatience1393]

You make me happy yolz 🥰😍

[@angiegona4238]

Woman I love so much that I can relate and learn from thank you Yolz I love you ❤️😭😭😭

[@patienceminenhlemoyo2360]

I honestly started learning saving, investing and monitoring what I spend on recently. I still have a long way to go. Thank you for this.

[@matsepisomantutle7316]

Yhuuu sisi!!! This video touched all the right places🥺❤️ Thank you so much for such wisdom🙏 Money Mantra Mama!! Sisonke in the shifting of the paradigm..

[@buyihlubi3344]

👏🏼👏🏼👏🏼👏🏼👏🏼Preach sis!!!!!!!!

[@thobiledlamini6797]

This video, right on time 💕

[@YolzChannel]

Yayy💃🏽💃🏽💃🏽

[@yoemnaely4376]

Best video I have seen this far 🙌🙏wow pearls of wisdom right here ...take vigorous notes ...thanks for sharing 🙌