I would like you to have or invite Musi Sambo on your show and talk about cars. It will be an excellent combination of knowledge.

Being a CA doesn't mean you must drive a big car one day at my work place one of our clients who is a CA said exactly that he was driving Suzuki Swift hes the importance of the car is to take you from point A to point B not a status as you save your money for the most important things both him and his wife they professionals CA and the wife is a Medical doctor I was inspired thanks for this video because I was about to make a big mistake to buy the the car because ladies does not take serious a man who doesn't have a car and I'm losing my beautiful girlfriend because I don't have a car but after this video I will let her go and stay in peace.

Hahaha. Nicolette, I'm a teacher and same age as you. You are spot on. I drive a sensible mini suv precisely because of the roads, it is fuel efficient and dealerships are all over the province. No one will get you into debt like car dealership salespeople and estate agents. Keep on educating our youth. You are doing an amazing job. 💯

I've made some financial mistakes but listen I'm so determined to learn from them. I've been running away from financial knowledge (anxiety & insecurities about the bad decisions I made) I watched your episode from Yolz and you mentioned that you made bad financial decisions but you overcame them and you are where you are today because of them. That gave me courage to face my finances, so I'll be camping on your channel. Thank you so much for sharing this wisdom for free. I declare that I will have a healthy relationship with my finances amen.

I just think this video was made for me. I've been planning on buying a car but I don't think I'm financially ready for it or if I even need it. The pressure is coming from my family, my partner (he says it brings some sort of standard or isdima) and friends. I have a nice paying job, I'm 25, I'm renting and got 2 kids. Well I would afford it but it does not make sense for me to own a car before having a house. I work from home, my 1 child has transport to school and the other has a nanny. When I want to go out I request an uber. So thank you so much for this eye opening lesson. I try so hard to be money smart

omg i love her😂❤ about to buy my first car and this was the first video i watched. Thanks girl for the advice🙏🏾💕💕 u had me smiling the whole video😂 such an amazing personality🫶🏾🫶🏾

Planning on buying my first car Jan, this has really been helpful. I once went to a dealership and the imposter syndrome got to me and almost bought a car I could not afford 💔 I managed to get out because they didn’t have the cars so I had to wait. Ended up not getting it but used the months to budget better, so research and come to terms with the fact that buying a big car will make me look good, but financially it will hurt me. Thanks so much, as I work harder on the imposter syndrome.😂

When I bought my 3rd used car, I spoke to Wesbank for finance and they pre approved everything. So I went to pick up the car they finance department added extended warranty, smash and grab, paint protection and other additional extras that ended up adding around R30k. As a Mechanic I knew most these extras were already paid for by the previous owner and as I was walking away from the deal the salesman removed all extras and still tried to convince me to take extended warranty just to be safe incase something happens. I told the guy if something happens, which I still refused as for at least for a certain period they must honor what happens to the car provided its not damage from my side. And besides that taking the warranty was gonna force me to service at dealerships which I don't like cause this side they hardly know what they doing.

Musa ukudakwa...love that. Thanks Nicolette for the education

We are blessed to have Nicolette Thank you for this video such an eye opener ❤️❤️❤️🙌

So smart so informative and really helpful. Just a slight tip to improve your videos; work on the echo, I think your videos will sound REALLY refined when there’s no echo. ❤

My sista, thank you for talking to me. There are so many factors to consider and thank you for making it a point not to take the first deal that comes your way. I will shop wisely now....

Loved this video especially when you say don’t buy for your ego 👏🏾👏🏾

This is such an eye opener. Thank you ❤️

I agree with you.There is a friend of mine who bought a bigger car out of pressure from his baby mama.He obviously didn`t afford the car.He traded in his paid up polo.He also had to borrow some money(loan) to pay for the deposit.

This video was so helpful and really enjoyed watching. Loved it!

Thank you for sharing this important information Nicollete. I’m still shopping around for my first car and another important factor that first time buyers don’t take into account is the Linked and Fixed Interest rate. For those who are not aware 1. A fixed interest rate does not change for the duration of your payment period and therefore gives the security of a fixed monthly instalment and 2. A linked interest rate is linked to the prime lending rate so when it increases so does your monthly instalment. But… the Fixed rate usually has a slightly higher monthly repayment than a Linked one.

Let me grab my pen and book This is what I needed ❤️❤️ Thank you Sis

A sister I wish I had❤ thank you for the lesson and the information😍

Very informative Nicolette☺, thank you.

I found this channel at the right time. 😂😂 I love her. This is so informative ❤

Umhle Nicolette, but ke thanks for taking the time to educate us...uyi best kwi game yakho 🙌🏿

I love these helpful tips. Thank you!

When you said, driving to the airport and start leaking oil😂😂that hit home…lol Nicolette that’s exactly what happened to me, last year. Even missed the flight 😅😅but hanging on to it until I can afford a better car…I refuse to fall into the trap ya bad debts😅😅😂😂😂😂

Well said sis I, thanks 🙏 for the advice.

That “mus’ ukudakwa” cracked me😭🤣🤣🤣

Highly informative. Thank you.

I think financing a car as a young or first driver is okay here’s where people go wrong…. Let’s say someone makes 25,000 a year and there car is £60,000 yes monthly they could make payments but it’s unaffordable and high in monthly payments…… I think if you finance get a car that’s cheaper than your yearly salary for example on a £25,000 salary you’d want to look at a reasonable used car that’s let’s say £13,000 it’s going to be affordable some people get something that’s toooo expensive and these expensive cars cost allot to repair compare to cheaper brands like a car that’s £13,000

thankyou ngwana mmane.....im in a process of buying my first car. you really helped me

I really like your personality. Take a trip to Jamaica I'll show you around

Just as I'm about to purchase a car BOOM you pop up on my timeline 🎉

Thanks for sharing Nicolette 😊

I came to the comment section after "Musa ukudakwa" part😄.. You are so Amazing ❤

I loved and enjoyed this , it is so informative. ❤

I love you, you just changed my mindset.

This is very informative, thank you so much financial Bunny❤️😍

I'm sure all most of us made that mistake when they bought their first car. I always laugh at my statement and be like wow , how did I end up going for 72months (that's paying more interest) but I was smart enough to pay it quicker , and all the accessories that I didn't need ? Bhod kesana! Thanks Coco once again for exporting all that financial knowledge and lessons learnt coz tis the season where people will be pressured in to getting into all these dodgy deals coz salesmen want to push their targets. Know your credit score and and don't be swayed into buying for more than you had budgeted for. The prime lending rate keeps nyisaring us this side

I like and love all your videos "You always keep it real and simple" Watching you from Rwanda

Sister,you are speaking facts! For years i wanted to buy a car. I live in a suburb outside if a metropolitan area. We have public transit but it isnt always reliable. I appreciate the financial breakdown of the cost of car ownership. Thank you.

Taking notes✍ Thank you my financial gobela 🤗

I needed this sis thank you

The "musa ukudakwa" part send me straight to subscribe button 😂

Thank you so much great advice 👌👌

Thanks you. I thought having saved the amount i saw at the dealership was enough. Let me keep saving once as the 1st time buyer.

That mus'ukudakwa was personal🤣🤣🤣

Nkosiyam am planning on getting my first car in November 2023 and I must say this video is very helpful…Am already trying by all means to have a perfect credit score so nje I believe that am in a right track🎉

I just love you mommy I am in it just to support your channel as a south African youtuber

Love your content 👌🏽

Thank you so much for this sis ❤

My First time here,and @15:36, you earned a Subscriber ✨

I couldn’t help but subscribe I live her energy 😂

Great advices❤🙏

What is a normal period for buying a car? Over the years cars have become expensive and in order to be affordable a longer payment period was adopted and of course residual (lease transactions) were introduced to individual buyers.

You drive what you can afford, true beautiful sister.

My Financial Warrior 🙌

Haha I love your accent ! And thanks for the advice 🤞🏾

Wa ntsefela ngwana ko kgae ❤❤❤

Lol this was sooo informative 💯

Thank you so much for the advice 🙏 I honestly appreciate it. May you kindly advise on how to trade in a financed car and getting a new car? 🙏 🙏🙏🙏 I am in the process of trading in

So insightful❤❤

Kea leboga. I am hunting for a new car and this was very informative. Kea leboga kudu samma

😂😂😂 “hello” 😂😂I just sub’d

I Love you 💕so much 😂😂😂when it comes to bank can help ....

Thank you darling 🙏

Awesome video!!!

Mommy please explain the fixed instalment and variable instalment. The pros and cons between the two. Which one is preferable to a person living off a budget.

Big up my sister 🙏🤝

Lol, one day you need to collaborate with 1 or 2 people who’ve made mistakes and only learnt when they needed to get rid of the car.

please don't give car reviews Nicolette, I'm in tears🤣🤣🤣

First time to comment. Nice job nicollete

I love how South African you are 😂❤ (many multicultural references/accents jokes etc)

Does financing contribute to your credit score when you pay on time?

Um earning R15000 i want to buy 2023 polo 8 Gti is it a good thing? N i like tht car a lot

Daai kaar het Baie gesien😂😂Yes gal that's a No No😂😂

Hi there ,will you recommend buying a 2nd hand car as an undergraduate student

Thank you for this

Learning so much from you🔥

Is it good to pay a running cost of car insurance on an old immaculate looking car? I ask this question cause insurance companies can sometimes do one dirty in a case of an accident where a car probably damage only a fender and not fix it for you but write it off for their selfish personal gain fixing it for themself to resell while they paid you less based on a market value of that good looking old car😏

Thanks alot

Planning to buy my 2nd car, dude i made horrible mistake with my first car tjoooo now i know better.

Who in the bank did you speak to about getting a better deal?

I made most mistakes you mentioned

MAKE MORE VIDEOS LIKE THIS

Perfect dadewethu 😂😂

Me: I can't have a Masters and not drive an SUV Nic:Also don't buy a car for your ego andaphoxeka but then again when u mentioned that you bought yiur car for safety I'm in the same boat coz i got into an accident driving my dads Avanza and apart from God of course the main reason I didn't die was because it was a big car coz it got written off... Im still scared to drive but I need to as we don't have uber in my hometown so I'd never be comfortable driving a small car so an SUV it is... Just the costs that freak me out but I have faith that God will work it out lol I'm tired of overthinking

Athi "your car is twerking in the middle of the night"😂

Thanks babe

Hi Nicolette, thank you so much for these tips. I was wondering what do you think about buying a car with a personal loan?

Mam, do you suggest purchasing a car from a dealership or can I buy a car privately from someone?

Hi Nicolette. Ideally, what portion of your income should your car installment be? (i.e. 1/3 of your income)

"Musukudakwa"🤣🤣🤣🤣

🔥👌🏻

Hi Nicolette what do you think of buying a new car as a first buyer on cash rather than financing it..???

Hallo Sesi I would like to know if is it possible to pay more on my car installment?

Brand loyalty in this economy is STUPID

I only like her videos because she's beautiful

you're so funny...🤣

The truth that we don't wana hear.

Yoh are very beautiful 😊

Not the Duke😂😂😂