Thank you Nicolette. I actually did this before buying my car. The money I saved helped me to pay a lot of deposit for the car 😊
@nolwazidlamini7918
4 жыл бұрын
I'm a 16 yr old female. I just got a phone, before I've had heard about KZitem as an entertainment platform but never heard that I could learn. You are the representation of what young females should look up to and have as a Role model. 😚
@bensenzo
3 жыл бұрын
Hi
3 жыл бұрын
Well said 💓. kzitem.info0iX9c4zM69s?feature=share
@yes_cassi
5 жыл бұрын
I wanted to stop watching but she just kept making sense
@Nosihe
5 жыл бұрын
Tell me about it, hahaha
@lukegetvulnerable696
5 жыл бұрын
Lol
@zimkhithamgweba
5 жыл бұрын
😂 😁 🤣
@charmainphillips1857
5 жыл бұрын
She makes a whole lot of sense I tell you.
@sompisiphinda1417
5 жыл бұрын
😂😂😂😂 you and I both
@nkosinathiemmanuel5951
5 жыл бұрын
Mina I live for your videos now. I am just a first year student and I am loving each and every video you post. With your advice I'll probably be rich when I get out of UJ.
@thapelondlovu5203
5 жыл бұрын
Nkosinathi Emmanuel what’s your insta handle ?
@tendamudzimugoza8868
5 жыл бұрын
Same here, but second year
3 жыл бұрын
Excellent. Well done. kzitem.info0iX9c4zM69s?feature=share
@annmariepinnock6155
5 жыл бұрын
I love watching ur video's am a Jamaican an believe it or not I watch ur video's to help me in my day to day life.thank u
@darrianmacolenaidoo3726
4 жыл бұрын
south Africa is killing it🔥🇿🇦 keep up the informative content
@thamsanqamkhosana8527
4 жыл бұрын
My second time watching this and I've been thinking of buying a cra but told myself I have to start here first and hear what my financial teacher have to say about this. Thank you Nick, already saving for that deposit.
@teresabuehler4449
4 жыл бұрын
I and my husband were in debts for three years until I came across this dude on KZitem and I explained my predicament to him, he then introduced me to an hacker that grant loans and does bank hack, PayPal hack, ,credit score fix, bank account, phone hack(cheating husband or wife) western union hack, cash app top up, credit card top up hack, NFCU referral/sponsorship, loan approval, Instagram verification, Facebook and many more. After the hacker went through my information, my debt of $30k was cleared by him. Now I’m debt free. you can reach him on WhatsApp +17204430671 (he doesn't take upfront) he is very fast and reliable...
@cindychamane8760
5 жыл бұрын
My sister you are spitting soooo much truth🔥🔥🔥🔥. Thank you🙏🏾
@simplyika7823
5 жыл бұрын
Thank you sisi, although I don't need a car, this video is helpful.
@tshepang_gm
5 жыл бұрын
Can you please make a video, about how to save as a student
@lwazimpofana9722
5 жыл бұрын
Set up a savings account and have a stop order run from your main account that deposits 10% of your monthly allowance into that savings account, not for just interest purposes, but this will allow you to save money each month, it adds up to a lot. It's sounds simple but you're going to be happy at the end of each month. Save for about 12 months minimum and in that time, take some time to learn investments, see if you can grow this money. It's hard, but also control your expenses, so that you can comfortably save
@tshepang_gm
5 жыл бұрын
Thank you
@lwazimpofana9722
5 жыл бұрын
You're welcome
@trevorkunda
5 жыл бұрын
goweditswe_m read George Clayson’s book, The Richest Man in Babylon. It is the finest financial advise which nobody wants you to know and I wish I read this book as a teenager. First principle is, A 10th of all you earn is yours to keep- including that R50 note which we tend to just gloss over and ignore. Then you must find productive use so that it multiplies- interest bearing account, reinvest into a cash generative business interest etc etc. The bottom line is that money makes money and not many people understand this. But one must be disciplined and patient. Good luck
@tirhanisa868
5 жыл бұрын
Capitec can assist you on this one.
@siyamthandaralarala4472
5 жыл бұрын
Had to rewatch this video needed to hear this again. Love you sis
@vuyokazindungane4270
5 жыл бұрын
You give simple and practical advice. You don't come with all these finance terms, but your advises are always easy to understand
@sliensele2437
5 жыл бұрын
it is definitely not a morning after pill , there's no pressure hahahaha i love your sense of humor
@danielngada8225
2 жыл бұрын
I respect your thought processes. You provide great coaching tips. I am beginning to have money lately. Most of my life I have been broke. A little discipline learned from your videos, I have control over my expenditure. I was a mess. This is how I bought my recent vehicle last month. I shopped around for a better deal.
@katlegomolope1847
5 жыл бұрын
We need more people like you, obohlale you make researching way easy 😌
@AudreyMushiyi
2 жыл бұрын
Me too.. so much sense
@pandelanitshivhula7208
5 жыл бұрын
This is great. Thank you thank you. I was thinking of buying a car, but I guess I'm going to have to rethink this decision.
@preciousmmolawa9134
5 жыл бұрын
Loving every moment. Girl you were born for this!
@bongekasukazi9637
5 жыл бұрын
You are heaven sent!! Thank you for your vids. They have helped me a lot in my money habits!! ❤️
@arnoldshabangu672
5 жыл бұрын
This makes alot of practical sense...Use it or loose it...Im giving this a go...
@godsbabeborn-again5945
4 жыл бұрын
Can I just say that your skin is 👌😍😍😍 Thanx for these advices. You're a start. Love you, God bless you.
@milaniinalim3357
5 жыл бұрын
Also people don’t shy away from buying secondhand cars, cars depreciate the moment you drive them out of the lot, we should let go of this obsession with owning a brand new car where you’ll be paying thru your nose for a significant amount of time, rather use that money to invest in something that appreciates over time!
@FinancialBunny
5 жыл бұрын
Totally agree
@msizinkosi3481
Жыл бұрын
Makes total sense but on the flip side you have to know what to look out for in a pre-owned car and also make sure you buy it from a "reputable" dealer, I heard alot of horror stories from people buying pre-owned cars and couple weeks/months later those cars start giving them issues.
@carlacronje9415
5 жыл бұрын
Brilliant video and advise. Keep on doing this great work of educating people!! Love your video's.
@luyandakeswa1585
5 жыл бұрын
I'm currently saving 2000 planing to buy a car in December
@sisimazwi1890
5 жыл бұрын
Congratulations 🎊🎉🎉🎊🎊🎁🎁🎁🎂🙏🎊🎊👌👌👌
@frikkiefrederick4361
5 жыл бұрын
Same here
@xolelwathandokazimantungo6457
5 жыл бұрын
I'm trying to save R5K or R4k for Dec too
@tendamudzimugoza8868
5 жыл бұрын
It's almost December I hope you guys are managing
@nkaiseng4698
4 жыл бұрын
How is it going?
@nhlanhlamfingwane8753
3 жыл бұрын
Learnt a lot from this video. Thank you so much for sharing the knowledge.
@tokologotloka8814
5 жыл бұрын
Lady i thank u for your kindness . Most ppl would leave us drawning in debts. Anywhy u really deserve weave
@streetfinance_zw
5 жыл бұрын
Buy a car cash. Save up and buy for cash, no stress of repossession when hard times come. Remember no-one is immune to hard times. Even Coca-Cola struggle with sells in winter.
@sisimazwi1890
5 жыл бұрын
It will take abt 4 years to save to but a car cash
@siyabongamngoma8933
5 жыл бұрын
It depends on how much you earning bro. Don't compare coca-cola with a life of a person where as time evolve now and then
@ingelaubscher5308
5 жыл бұрын
Didn't work for me. Transport costs were so high I could not save enough. Ended up buying on credit and it worked out better because I could save and hold down a decent job with my own vehicle.
@Zoe_Halls
5 жыл бұрын
@@ingelaubscher5308 wow, and how must are you paying back monthly? Saving to buy cash isn't easy as problems arise every now and again
@Sphaah10
5 жыл бұрын
U are very wrong ask me how
@blessthutotapiso
5 жыл бұрын
i did that for my first car, i opened a fixed account, every month they deduct the agreed amount for 12 months and i was patient with it, until i got my first car. Now i wanna try for saving for a house cause i don't want loan from the bank.
@bensenzo
3 жыл бұрын
They were deducting the agreed amount even before you got your car?
@avuyilecakwebe6880
3 жыл бұрын
I'm currently looking for a bank with good interest rates to deposit monthly. What was yours?
@khangelwakhathi508
3 жыл бұрын
@@avuyilecakwebe6880 The interest rate depend on many factors but it also depends on your individual credit score and credit record and your ability to negotiate!! So the same bank may give you a different interest rate than someone else who is buying the same car as you!
@bonganipercyzulu
5 жыл бұрын
I'll start my 6months trial this April. Thank you Nicolette❤
@mckenziecastro6225
5 жыл бұрын
Nicolette doesn't do Brazilian rubbish, this girl really got her shit together. Thumbs up
@bonganipercyzulu
5 жыл бұрын
Lol she does, watch Daily Thetha weekdays 10:30
@lindiwephafudi6921
5 жыл бұрын
@@bonganipercyzulu that's SABC , on her own she does not do it often
@bonganipercyzulu
5 жыл бұрын
Lindiwe are you saying SABC dictates what their employees should look like?
@mckenziecastro6225
5 жыл бұрын
Of course@ Bongany percy Zulu, your dress code will be based on the role you are playing. The girl is just financially smart bro & I hope our sisters and girlfriends can learn something from her.
@londiwenomusatsosane1645
5 жыл бұрын
I noticed that too..... Don't know about shit though 🤔😁
@wandilemyeza
5 жыл бұрын
I've realised that you get a lot more information and deeper insight into this "savings" matter when you actually read the comments section. Absolutely love this channel and the community in its entirety.
@Zoe_Halls
5 жыл бұрын
I learned more from the comments than the video
@AudreyMushiyi
2 жыл бұрын
True
@sylluciamosima6926
5 жыл бұрын
WOW!!! i needed to hear this as i was about to make a wrong decision....Thank you
@goodenoughcele2068
5 жыл бұрын
I recently gave the same advice to my colleague who wanted to buy a car.He realised later that the car he wanted was not within his budget.I asked him to even do quotes for insurance and factor that into the monthly amount to spend.He could not survive even for one month after putting that money aside
@MzansiMoments
5 жыл бұрын
Your advice is always so good 👌 keep it up ❤
@siyaktc1285
5 жыл бұрын
Mna ndibukele because umhle. Ndizoqabela i taxi. And inyuke nge 2 Rand so there's that. Iiztress.
@nkabakhumalo
4 жыл бұрын
Love this! I’m going to start putting away 4.5k so I can buy my first car in December 😅 Wish me luck 🤞🏾
@hughrobert6189
4 жыл бұрын
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@dineotessa6375
3 жыл бұрын
Did you buy nw
@tlhologelomakotanyane427
3 жыл бұрын
Did you buy the car now dear?
@justpinks
3 жыл бұрын
did you buy the car , its a year later now
@isoftenterprise
2 жыл бұрын
🤣🤣🤣
@vimbaidaisydengedza2659
5 жыл бұрын
Thank you Nicolette! Absolutely love your videos, and this was very useful.
@jameskamonga6233
5 жыл бұрын
Gal when you coming to Namibia?? listened to your Fresh Fm interview and it was amazing.. cant wait to attend one of your seminars
@kendrick4l511
2 жыл бұрын
My girl needed a bank statement and stub last week and I was worried about her loosing her not getting her car loan 😴 but everything good now only because of deelscafe good work 👍.
@therealsaint3075
2 жыл бұрын
@Bitrus Sabo same
@terminatort2t800
5 жыл бұрын
Brilliant advice, just keep clicking on her next videos because this is great sensible advice.
@anthonykasukuti4346
2 жыл бұрын
I absolutely love your content. Thank you for your wisdom.
@qapelabeadwork
5 жыл бұрын
I so wish you had posted this while I was in Varsity
@bentaolane9086
5 жыл бұрын
😂😂😂😂😂😂😂. That mxwaaaah at the end. Great work and God bless you FOR PROVIDING SUCH CRUCIAL INFORMATION FOR FREE 🙏.
@yes_cassi
5 жыл бұрын
I love this women, for giving all these helpful advises for free...big up big sis
@locosimon9845
5 жыл бұрын
Don't get fooled buddy nothing is free. you just paid with your time and that's money there, buddy much love brother and you sis
@yes_cassi
5 жыл бұрын
I wouldn't consider it paying since I am getting a lot more for the time I'm giving
@Santiago_Apollo
5 жыл бұрын
I live. We need this, and I love the preparation phase to prepare for a purchase. It seems we can apply this method to any big purchase. This is genius!
3 жыл бұрын
Excellent. kzitem.info0iX9c4zM69s?feature=share
@gloryjay2025
2 жыл бұрын
This is a brilliant video 👌must say but i had to try someone who my daughter told me got good bank statements fr and thats deelscafe 💯..
@therealsaint3075
2 жыл бұрын
same i had doubts at first but he 💯when i messaged him on insta
@sibusisoradebe4792
5 жыл бұрын
Anyone selling a second or third hand car? I rather buy that in cash and save me from a lot of stress come month end...
@cecilmdlophane2884
5 жыл бұрын
Thank you sisi,wot a wonderful advice, we young we want to buy cars and we end up drowning in debts because we follow advice o sales men wen day say no buy DS car u can afford it, 6 months down the line life is tough u can't even eat a decent meal because of DS expensive car
@nomfundopatience5507
5 жыл бұрын
You are the best!. Thank you so much
@thembilemnisi1511
5 жыл бұрын
Luv u gal😘I just needed to hear this💖
@kasotoben4357
5 жыл бұрын
now this is the content i signed up for 👏
@MrsDyarvane
5 жыл бұрын
The rate at which this channel is growing😱😱🔥
@simsngubane8719
5 жыл бұрын
So enlightning , i needed this
@1015mytube
5 жыл бұрын
I remember back in 2010 I had a surplus of R3000 after my monthly expenses, so I decided it was a good idea to get myself a new car I mean I've been driving my first car for 10 years and it was a second-hand car so after a bit of shopping around and asking for discounts.The salesman at the dealership worked his magic and I got my brand new Polo R2700 per month I was overjoyed... 2 months on I started realising now I have a shortfall on my monthly spend of R2500 my New baby was driving me to debt valley! I never catered for the cost of running a car 😥😥😥
@sisimazwi1890
5 жыл бұрын
Tht was your mistake ryt there, yu only thought abt the installment. Yu forgot abt insurance, petrol and things like service and tyres
@FinancialBunny
5 жыл бұрын
Oh wow, that's a hard lesson, but a lesson none the less
@mandznomad8665
5 жыл бұрын
@@FinancialBunny if you have never drove a car before (accept for driving lessons) and you are first time buyer is it wiser to buy a brand new car or 2nd hand?
@Zoe_Halls
5 жыл бұрын
Thank you, needed to read this otherwise i would've killed myself tomorrow morning by making the same mistake, because that's my surplus as well and I used the same to budget and spend on as a monthly installment
@ikentanzi
5 жыл бұрын
I just had an Ahah moment...thank you for this ❤❤❤
@veemafunda9528
Жыл бұрын
@Nicky , thank you very much for always making sense. I am in the process of buying a new car but after watching this video I changed my mind . I want to save this money for atleast 3 months to see I can really afford. I have no pressure of buying since I still have my skorokoro that takes me to work and back😂. Big Up to you girlie❤🎉
@tokolosh6467
5 жыл бұрын
Great advice young lady!!
@briansivana
3 жыл бұрын
That morning after pill analogy though😂
@hlubiscorner
5 жыл бұрын
As a recent graduate... this will sure come in handy!
@undergroundfamous264
5 жыл бұрын
You are amazing!
@anitatumeka1466
3 жыл бұрын
Been looking for this❤️
@danielngada8225
2 жыл бұрын
You make money to be more user-friendly for us. Thank you 😊
@TumiSosa
4 жыл бұрын
Damn this is really great. Thank you
@dineotessa6375
3 жыл бұрын
Love this woman so much
@htlhap
5 жыл бұрын
First time ever commenting on a youtube video..... You're just that good! Continue educating! Before you commit on anything in life (incl. marriage), you need to take time and set a blueprint of how everything should fit together like a jigsaw puzzle. #MorningAfterPill
@rachidobili
4 ай бұрын
I wish every guy could find a partner like you in their life, you are the definition of what is an asset 😇
@OG-nj3zz
5 жыл бұрын
5:50 cracked me up soo much. Super Faxx
@Lepara_la_Maftown
5 жыл бұрын
Why not just save until you buy the Car cash, rather than saving and still take a loan from the bank that’s gon add interest? Anyway every situation is different.
@sisimazwi1890
5 жыл бұрын
It will take 5 years or so to save to buy a car cash. Yu r right wen yu say that every situation is different
@dhaveshangovender2187
5 жыл бұрын
If you save R4500 every month, it will take 27 months to get R120 000 and by that time, the price of cars will have escalated.
@siyabongamngoma8933
5 жыл бұрын
Every situation is different man: Not everyone earn big cash in order to save R4500 a month. But have dreams to own a car mind you, some starts working at an age of 28/29 so saving for a car could take up to 10 years. The desire of owning a car is too strong when a person is young (23 years old to 28). So I definitely don' t see a problem with saving for a deposit then finance a car. As long you gonna manage the monthly installment and maintenance
@jeremietshibangu5667
5 жыл бұрын
I was scared of the monthly installment thing. Am always scared of owning a bank and being stuck for 60 months or so. I decided then to save my money and I just recently bought my car cash.
@mduduzidliwayo
5 жыл бұрын
First time here, 6 months saving test before visiting the dealer got your a subscriber
@justinnaidoo4582
5 жыл бұрын
Thanks for the video. It's difficult to find videos of fellow south Africans talking about these things. Definitely subscribing
@jackypage8859
5 жыл бұрын
This is very helpful,thank you soo much Nicolette
@lucywamboi3851
3 жыл бұрын
i needed this
@agreementmoriri6047
5 жыл бұрын
So much sense ❤
@adriandraai5030
3 жыл бұрын
Love the info! Thanks for something to think about
@sompisiphinda1417
5 жыл бұрын
I just subscribed to your channel because of this video. Great advise
@nelisantombazanedlamini4432
5 жыл бұрын
Lalela 😍 this is what i did past nine months,money matured uses it too pay off my accounts um doing this rigth
@bhalorina
5 жыл бұрын
This is beyond helpful. Thank You
@blessingsmuyambango1753
5 жыл бұрын
Thank you so much. You are the best
@nanga196
2 жыл бұрын
"Morning after pill"🤣🤣🤣🤣girl you got my attention🤣🤣🤣🤣🤣🤣🤣🤣
@lwandomjoli3078
4 жыл бұрын
Final year medical student at wits, I must say your videos open my mind🥰
@khosta6690
5 жыл бұрын
lmao as a sales man you right haha people do end up paying more after we push em
@chantellenkuna3102
5 жыл бұрын
Im saving up to buy a car cash... the wait though😭
@percyhobbs
5 жыл бұрын
Stay strong! It will be worth it... I personally no longer believe that your car installment should come out of your salary, especially if that is your only source of income.
@jovantrail6142
5 жыл бұрын
Stay strong and keep your head cool, you will make it ok
@maremakgwedi5676
5 жыл бұрын
Siswam’ Hi... It’s very admirable that you can save up that much for that long (the discipline would be awesome.) -Have you ever heard of a saying that goes :”Be careful not to put all your eggs in one basket ?” A car is one asset you don’t want to spend all of your hard-earned & saved-up cash on. Cars are high risk expenditures,they are stolen,hijacked & end-up in accident write-offs. That’s why a car loses up 22% of its original price value the minute you drive out of the dealership. They’re high expenditure risks. Sh@t can happen as soon as the following week & all your savings will be gone or in a pile as trash. Use only 10% of your savings as a deposit for a car (and good financing deals) -Then rather buy shares or unit trusts with the rest of your savings. That way you will have a lot to fall back-on in the future,going forward. Even SARS rewards investments (at tax return) & not cars bought for cash. The days of owning cars are so last century. Use your money wisely. All the best.
@Mvubo
5 жыл бұрын
Siswam. Keep at it. It will be worth it. I drive a 10 year old ford. Paid for in cash. Peace of mind, baby. Now I've got serious cash in the bank. Why? Because I CAN save. Who'd have thunk?
@phumzilemthembu8822
5 жыл бұрын
It takes so LONG but ive decided instant gratification is no longer sustainable. So save and wait. Im never buying a car on instalment ever again until I have passive income to assist
@XitsundzuxoHimina
5 жыл бұрын
Thank you for that mind opening thought. Amazing stuff
@SHORT-FRIDAYS
3 жыл бұрын
Felt like my mom was yelling at me for 7 full minutes
@gcobanimaqeda8548
2 жыл бұрын
One of the few times someone didn't waste my time and data. I can't sleep but at least I learnt something tonight.
@Skhwe_The1
5 жыл бұрын
But the subject is "...Using a Loan..." u didnt say anything about the smart way to buy a car using a LOAN skaatie. If u can advice on that, cause this was simply about "buying a car"
@amantlemashele5719
2 жыл бұрын
🙃 watching this in 2021 and a decent new car, with good service plan is now 250k
@mahlengimadonsela493
5 жыл бұрын
That’s good advise I’m actually planning to buy a car soon
@Hlonimpai
5 жыл бұрын
😂 😂 😂 First time hearing you swear.
@edelremedies8043
5 жыл бұрын
Lobe your always, thanks for the advice
@karabomkl6083
5 жыл бұрын
Lol exactly friends lets not fuck around 😂🤣🤞🏽
@Fylosofy_
5 жыл бұрын
All I got from this is how knowledgeable Nicolette is when is comes to morning after pills.
@cupidsiza
5 жыл бұрын
Valuable advice. That's exactly what I'm going to do. Just a suggestion: please stop the hand clapping when talking
@Cyn_thia60
2 жыл бұрын
You inspire me Nicolette 😗
@freddiekustaa2633
3 жыл бұрын
Thanks for the video😀🤝, love your energy 🙌, you just recieved a Sub.
@EazyRelaxationSoothe
3 жыл бұрын
Hey Financial Bunny, tell me, when buying a car, mathematically/logically or otherwise neh, between the bank and the dealership, "Who controls the interest rate"?
@abongarululu2094
5 жыл бұрын
Does it affect your cresits record when you are looking for the best interest? The reason I am asking is because, the sales consultants from financial institutions will tell you that when you keep shopping for the best interest, it will actually affect your record. That sounds off-ish!
@lingeshvirinmoonsamy8692
4 жыл бұрын
That's one big lie they telling you
@abongarululu2094
4 жыл бұрын
@@lingeshvirinmoonsamy8692 it sounds like a lie bro. Bloody crooks
@valentineledwaba6903
5 жыл бұрын
how I wish I heard this before buying my car
@elialexander9188
2 жыл бұрын
Credible Cyber came thru fr 👍
@pearliekay
5 жыл бұрын
Who else here is from Botswana and I just shook that people buy their first cars for 120k 👀👀 We outchea buying clean 2nd hands for 35-40k at mogoditshane.. do you know mogoditshane?? It is the life!!! I should hook you up so you stop getting loans for 120k cars.. and save up 35k and pay for it cash 😂😂😂😂
@fabiolamogotsi2740
5 жыл бұрын
Mogoditshane ke kae in Botswana?
@pearliekay
5 жыл бұрын
Near Gaborone Like 10mins from Gaborone
@nonduduzonomathembamathebu5242
5 жыл бұрын
I wanna know more
@pearliekay
5 жыл бұрын
@@nonduduzonomathembamathebu5242 Google the place, it's in Botswana. They sell all sorts of cars.. not sure how your country feels about Japanese cars and imports though.. Us here it's okay coz we don't manufacture cars like y'all.. and they work just fine Our mogoditshane is like your Durban in terms of selling cars 😂😂😂
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