Impulse buying is the worst setback we have as young people 😅

I appreciate her honesty. These are the kind of teachers whom I can associate with. She does not hide her mistakes.

Hey nico I appreciate your effort and time putting this up here, my word last year was determination and here we go this year with CONSISTENCY . I’m happy to be financially free and currently growing a solid retirement plan. It takes a positive and consistency to learn new things, unlearn the old habits ms Important to get a mentor/coach to lead you all the way. It’s great to start young too!

I love the fact that you acknowledge your impulse mistakes, I literally had to write down a list of all the things I need in the new year and bulk buy all at once, and this actually helped me save a lot and keep track of my money. E.g :In January I'll say okay I need new jeans, bedding, dresses, sneakers, toilatries, cleaning products, I rather spend R10 000 in one month to buy all I want than to just shop recklessly every month. Now I know that every month, the only thing I need is groceries that I cant bulk buy (fruits and vegetables), nails and hair and transport.

Ka Sepedi ba re "ngaka ga e kalafe" .. this video was wholesome and a good way for one to do a thorough introspection as the year begins

Yoh motivational qoutes give me anxienty and honestly ever since i stopped following them, i work harder and i stay focused on the goal because then im facing reality and i learn how to deal with my problems

Weeeh Nicolette 🙆‍♀️😂😂😂😂 immediately when you say “but somehow” I die 🤣🤣🤣⚰️

I like your teachings that's why I also bought and read "What's your move"

I have a problem with impulsive buying and this definitely inspired me to do better

I love and respect your honesty Nico. We struggle so much to practice what we preach. In 2023 asizame sonke to improve and do better.

Really enjoyed this. No one’s perfect to be honest and we learn a lot from each other’s mistakes. Thanks for owning up Nicolette, definitely replicating this on my channel! 😊

Wow wow listening to you for the 1st time has real helped me with huge paradigm shift i have to make better review my decisions going forward

Hey Nicolette, love your content. Just want to remind you that change takes time, there's is a huge gap between what we know and what we do, it's completely normal. Don't be so hard on yourself you're doing great ❤

Great advise, even the best of us still are having some difficulties putting to action what we know are the best ways to deal with our finances. Here is to doing much more better in handling our finances in 2023 Nicolette🍻

Sometimes when you learn sound principles you feel far off and that can be overwhelming when you want to make positive changes in your life but when a person who is sharing those principles is honest about their short comings it makes the message relatable.

That's me with my 32 days notice account 🤣🤣🤣... I hate a notice.. I can't wait that long if I want something now

The way I'm laughing and crying at the same time , because that is me. Everything you have mentioned I do, subconsciously I know it's wrong but I still do it 😥

Nico I am yet to find a financial adviser that is more than about selling products and that alone makes me weary Impulsive buying I got from my father who handled cash alot,and I got to do the same through his business but I think twice now

I love this honesty. Truly has made me respect you even more 💐👏🏼👏🏼👏🏼

Appreciate the vulnerabilities embraced on here, you don't cone out here trying to be perfect financially. Quite an entertaining video and very informative. Thank you

I love the authenticity. But am requesting for translation to some of the words. Am from Uganda and i enjoy this channel

😂😂 Nicolette wa mpolaya! Thanks for your honesty, it makes me not feel bad about my impulsive tendencies, I’ll work at them

You and I are kindred spirits🤣 But the good news is I've made progress in correcting myself.

Your book is changing lives! One thing for sure ❤

The way all the things you say are so happening in the a day to day of all our lives. We really need to educate people on money, thanks for your honesty especially being in the finance “know how”. Oh by the way please holla at me based on your vlog about diff ways to make money, I can definitely be your ideas bouncing ball as I can do with yours pleeezzzeee…

I really like and appreciate this video ❤️🥰, very relatable plus it was funny 😅

7:33 "How you do anything is how you everything"

it is the psychology of money...this is the cause of apprehension.... and dangerous

This was actually funny😂 but I appreciate your videos... Very educational✨

You and I, I don't like motivational speakers hle🥴 I really don't listen to them. Thank you for sharing your truth. Yho I need to take the knowledge I've learned seriously ey🤣🤣🤣

Thank you. Its deep.

This was hilarious!! Totally appreciate your honesty and vulnerability

1. You could have just temporarily disabled your Credit Card using the app of the bank or by calling them. 2. If they charge you R43k, assuming you pay opt to pay minimum payments that are usually 5%. That means you transferred at least R860k from your credit card!!!! Unemali mntana eninintsi ndini!!!

I put a spending sanction on myself because of video that you did 😂. That time you don't have one😂

I Love you, Cant stop watching

Haai shem I solute your honesty ma'am 🙌🏾❤️‍🔥

I think Nicollet it's called applied Knowledge is power. Learning more and actually doing something about it is likely going to help you earn more. So there is truth in the saying, if you learn more you earn more. By the way motivation works I honestly believe that. You mention readying books, go socialize, etc and I believe those are motivation that other people need to change thier lives. I believe motivation is something that you need to keep on listening to till you actually believe it.think about preparing for exams,you read more than once to actually understand and be able to understand and apply the knowledge.

Tell them my sister, they think they are doing us a favor when in actual fact they need proper financial planning as financial advisers.

Mara you are a star waitsi💐💐

Even though you always say your videos do not constitute as financial advice but damn they help me. This year I have started being accountable to mu budget, got a 2 other source of income. One I save R500 per month and the other R330. Thank you

Absolutely love this video😂😂😂

I love your transparency

Lol I love your honesty😍

I am more interested in those financial advices because yhooo I need them seriously, I am impulse buyer as well. I would go to the shop to buy 3 things but I would come back with 10 things

Hey Nicolette, GREAT video once again. You speak beautiful Afrikaans by the way. Thank you for your videos and sharing your knowledge.

One thing about Nicolette, she is very honest and tell it like it is😍😍

Impulse buyer, I'm that baby girl who will defrost chicken for dinner, goes to the mall buys wings and ribs, gets home cooks pap and chicken oh my God 😭😭😭

Please advise or suggest which property stokvel I can invest in

I FELT THAT IMPULSIVE 😭😭😭 I AM IMPULSIVE EVEN WHEN SENDING TEXTS LIKE I CANT WRITE A PARAGRAPH AND SEND IT I WRITE SHORT MESSAGES VERY FAST, AND THE IMPULSIVE TALKING WHEREBY YOU REALISE LATER THAN SHIT I SHOULDNT HAVE TOLD THIS PERSON THIS THING

That’s me with cash. The moment i have it, i feel generous…like ke nna Sol kerzner😢

I swear i like your story telling, this is one of the reasons I loved “What’s your move”. I only started consulting a financial planner last year because it was offered to me for free. And it was life changing

😂😂😂 Akere the cash thing bare its supposed to make paying painful so you can control your spending. but hei nooo

Wait wait wait wait. Property Stokvel? Is the first time I'm hearing about this. Can you please explain and maybe guide me to a group?

Thank u for this video yoh

Thank you Nico. I want to know if bulk buying is also helpful especially if you want to save money because l always buy groceries in bulks every month is it necessary

A fav always.

Amen sister!!!!

My darling, let’s take it day by day! This week please don’t withdraw from your savings no matter what! 😅

yah eish 😂😂😂😅the cash struggle is real, I just become u Father the moment I have hard cash with me. I decide on the spot as well!!

Hi F. Bunny, whats your take on Life Cover. Paying 900 monthly. Currently unemployed. My main source of income is from real estate investments.

Thanks.

This reminds me of TD Jake's sermon: Just Because you know better doesn't mean you do better, it's all about discipline. A very hard pill to swallow

How to fine the best agent to get and take are of my property in a different province. And how agents work. They been giving me a tuff time.

😂😂😂😂 on the credit card story 😂😂

😂😂😂That Demon 👿😈... Mara on a serious note, I need a emergency account, does fnb offer one?

Bathong Nico. I used to think you're the most disciplined person and you make no financial mistakes. Everytime I'm about to do a transfer from my savings to my cheque account . . . I hear your voice on my ear saying 'Don't ... Don't... DONT!' 🤣🤣🤣

Nicolette cela imali ye cold drink 😀😂

How do I get ahold of you for financial advice and how to invest my money?

I'm guilty of everything you mentioned :(

Weeeh Nicolette 🙆‍♀️😂😂😂😂

Lol.. my goodness 32 days notice....u and I are the same.. i honestly need to fix my life

Sis wam I know what you talking about, I'm a property addict as well and my properties give me a negative profit every month, but every year ngiyaythenga and everyday ngiku property24. I can't stop but anyway to be honest angizisoli ngalokho ngiyanda ukuthenga ama properties.

No man. Success leave clues. There is thing that is called FUNDAMENTALS. Seasons Do Not Change. Aline yourself with the seasons

Wuuuh nkosyam... I can listen to you all day, everyday 😍😍😍🥰

Lmao I basically live ka property 24 🤣🤣🤣.

Which are your financial advisors you would recommend in South Africa?

Well I have an emergency account thanks to you

hehehehhe me guilty of tipping like I've budgeted for it tjeeeeeer! 2023 nie meer nie

This was so interesting. In pointing out your mistakes, you're giving us a lesson too. Thank you.

hahahaahahahaha i totally relate with you

Any recommendations of financial books one needs to read please, just completed your book December and it's incredible, have to re-read it again ❤️

Yoh the impulsive buying yoh

You Do Not Want It Enough cc

Haha I'd rather listen to you sis, coz I know you're talkin from experience. Not a piece of paper

🤣🤣🤣🤣🤣🤣 this was so fun to watch

You such a clown, I love it!

Love your channel

add betway next time. betway is taking everythng we have

I wish I was sorrounded by people like you ,cuz ey sometimes when u start the "Financial topic" it's like uyaphapha uyazibona unemali blah blah ....And am glad u did touch this topic i was searching for this topic cuz I think u got a book of your mistakes and I think it's a good time to go back n rectify our mistakes...yah neh Cash Cash is a demon'yana

Your presentation was just fantastic. There were bouts of laughter. I identify with so much you've said. Thanks so much. A prosperous New Year to you.

I'm guilty of being an impulsive buyer 🤦‍♀️but it's a bit therapeutic looking at everything I bought though 😂

Cash, omg I love cash and when I am asked what do I want it for I say 'to have and to hold' I gotta do better though.

My money mistake I keep making is buying airtime in my banking app 😢😢😢😢😢I am done ✅ I am done ✅ I even deleted the app but I had to redownload it…Being. A KZfaqr is going to kill me cos if my Wifi is acting up I’m buying artime now and upload a video 😢😢😢😢😂😂😂

So do you feel that I'm disabled and far from disable I promise you like you really knew me you wouldn't think nowhere near thinking disabled.... I'm sorry about not speaking just because I didn't promise you I'm not disabled

I'm such an impulse buyer of clothes that I don't even wear🤥🤥one thing I need to work on this year

Property Question: Have you ever experienced non-paying tenants & not being able to get them out of your property? What is your advice regarding this?

Despite me knowing, I save chucks only to go back n withdraw during the months, so basically I am not saving. i knows theres a fixed acc but i dont feel comfortable opening it...wow Im glad we could have a therapeutic session Nicolette.

Unfortunately in my country, not withdrawing cash is risky 😂😂 the gvt just switched us from USD to bonds overnight at a rate of 1:1. Chile

Notification gang 💃

You are one of my top Financial channels. You are great👌🏽