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

Tribe, your money habits didn’t just appear out of nowhere!

They were built in your childhood home; in the conversations, the struggles, the wins, and the fears you grew up around.

In this video, I tell the story of two young men who grew up with financial hardship… but made very different money choices as adults.
Because before we change our finances, we have to understand our money story.

Watch this and reflect:
What money vow did you make growing up?

Don’t forget to like, share, and subscribe for more honest conversations about money, mindset, and life.

In this episode, I break down how banks think about affordability, how interest rates impact your bond, and why your monthly repayment matters just as much as the purchase price. I will walk you step-by-step through real online home loan calculators and repayment calculators so you can see, in practice, how the interest rates impact your long-term finances.

You’ll learn:

How interest rates affect your bond over time
How to use home loan calculators with confidence
Whether you’re a first-time buyer or just planning for the future, this video will help you buy smarter.

Resources: https://www.ooba.co.za/home-loan/calculators/ and https://www.property24.com/calculators/bond

If this was helpful, don’t forget to like, comment and subscribe for more money conversations!

Tax-Free Savings Accounts are one of the most powerful (and misunderstood) investment tool in South Africa, so in this podcast, I’m answering the questions I get asked all the time about TFSAs.

We cover:
• What a Tax-Free Savings Account actually is
• How much you can contribute (and what happens if you go over)
• Whether a TFSA is a savings account or an investment
• When you should (and shouldn’t) withdraw your money
• Common TFSA mistakes that can cost you in the long run
• How to use a TFSA for long-term wealth, not short-term stress

If you’ve ever wondered whether a TFSA is worth it, how to start, or if you’ve already “messed it up” — this is for you.

What does a real investment portfolio look like?

In this video, I open up about what I actually invest in, how my thinking has evolved over time, and why financial security is about more than just returns.

I’d love to hear: what’s the first investment you ever made?

In South Africa, less than 15% of people die with a valid will — and that means the State decides what happens to everything you’ve worked for.

In this episode, Moremadi Mabule joins me to break down wills, trusts, marriage contracts, and how to protect your family from financial chaos when you’re gone.

We cover:
⚖️ What happens when you die without a will (intestate)
👩🏾‍❤️‍👨🏾 How marital contracts affect inheritance
👶🏾 Protecting your children’s inheritance through trusts and beneficiary funds
💰 Liquidity, debts, and the real cost of dying unprepared
🗂️ Why you need a “Life File” — and what to include


🎧 Listen. Learn. Put a plan in place.

#YouDontDieForFree #EstatePlanning #WomanAndFinance