Are you torn between paying extra on your debt or starting an emergency fund? You're not alone! This is one of the most common financial dilemmas, and in today's video, I'm breaking down exactly what you should prioritise based on your situation.

What You'll Learn:

✅ When to prioritise debt payments

✅ Why an emergency fund might be more important than you think

✅ The "hybrid approach" that could work for both goals

✅ Common mistakes people make with this decision

Key Topics Covered:

00:00 - Intro

00:27 - Should I pay off my debt or build an emergency fund

00:46 - Scenario (Debts & Interest Rates)

06:27 - High-interest debt vs low-interest debt strategies

08:15 - Where should you put your Emergency fund

09:50 - Free Credit template

10:55 - Free TFSA Ebook

FREE RESOURCES:

📋 Download my Credit Template: https://www.womanandfinance.co.za/resources

📖 NEW! Tax-Free Savings Account eBook: https://www.womanandfinance.co.za/resources

🙌🏾 Let me know in the comments - are you team emergency fund or team debt payoff?

Don't forget to LIKE this video if it helped you and SUBSCRIBE for more practical money advice!

Watch our second episode of Money: It's Not Black or White here: https://www.youtube.com/watch?v=MHl9ZFvExnI&t=30s

🌍 Global News, Rising Costs & Your Money | What South Africans Should Be Doing Right Now

In this episode, I break down what’s happening in global current affairs — from ongoing wars to rising fuel prices — and what it actually means for you as a South African.

Because let’s be honest: when global events shift, your wallet feels it.
From petrol price increases to the rising cost of living, I explain how these global changes impact your day-to-day finances — and more importantly, what you should be doing about it.

💡 In this video, we cover:

1. How global conflicts affect fuel prices in South Africa
2. The ripple effect on inflation and your cost of living
3. Why having an emergency fund is no longer optional
4. Manage and reduce debt
5. How to start investing (even with small amounts)
6. How to stay financially grounded during uncertain times

This is your reminder: you may not control what’s happening globally, but you can control how you respond financially.

🎥 Watch next:
Money, funerals & financial planning with Maya Fisher-French
👉 https://www.youtube.com/watch?v=O44tjRlmo7A&t=1s

📘 FREE TFSA Guide (Easy-to-understand eBook):
👉 https://56766b36-3b03-41db-9dee-6adc26e688e5.filesusr.com/ugd/444739_a954e18eb76b4d0fa6ab6c70e3b50022.pdf

Building wealth isn’t just about how much you earn, it’s about how you choose to live.

In this episode, I’m breaking down the 9 ways I intentionally keep my lifestyle in check:

1. I don’t buy designer clothes or bags
2. My kids don’t wear designer brands either
3. My car is paid off (and I’m not rushing to upgrade)
4. We rent for now — and won’t buy at the top of our affordability when we do buy the house
5. I keep my gym contract basic
6. I keep my lifestyle simple even when income increases
7. I know how to say NO!
8. I keep my debit orders low
9. I use my business strategically

These aren’t sacrifices, they’re CHOICES that create freedom, flexibility, and long-term wealth for me and my family Because just because you can afford it… doesn’t mean you should!

Listen to the full episode to understand the mindset behind each one.

#PersonalFinance #Womanandmoney #LivingBelowYourMeans #MoneyMindset #WealthBuilding #FinancialFreedom #SouthAfrica #MoneyTips