Talking Money with Nozi @nozi_vanheerden Twitter profile

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Talking Money with Nozi

2 years

Why I do I create content about personal finance? Because I have been there, done that, graduated from the university of DUMB. I hope others learn to avoid the financial mistakes that I made early in my career.

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Talking Money with Nozi

@nozi_vanheerden

1 year

When my colleague that worked after hours all the time, passed away and his only surviving relative didn't get so much as a flower or condolence card, I realized that corporates don't care. Take care of your mental health and don't be gaslit by people chasing profits.

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Talking Money with Nozi

@nozi_vanheerden

7 months

Changes to retirement fund rules are coming to effect from 1 September 2024. This is how your pension funds, provident funds and retirement annuities will be affected 👇🏽

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Talking Money with Nozi

@nozi_vanheerden

6 months

My investment journey started in my Tax Free Savings Account (TFSA) November 2017 with just R100. Today my balance is over R240K. Here is how I did it 👇🏽

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Talking Money with Nozi

@nozi_vanheerden

10 months

I've never understood stokvels where you get back your contributions. You contribute 1K per month, you get exactly 12K after 12 months. 0 interest earned. Just save the money yourself in an interest bearing account. 0% risk of someone running away with the money.

Ten Past 4 🏡 ⬇️

@KgaleReBatliwa

10 months

Yerrr.. Bontle ran away with R300,000 stokvel money her followers deposited to her. She deactivated all her social media accounts. Where is R300,000 going to take her. Mara how do you deposit money in the account of the person you have never met before?

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Talking Money with Nozi

@nozi_vanheerden

7 months

Scored my self this little runner yesterday. First time ever buying a car cash. Time to build up my savings again... #personalfinance #FinancialLiteracy #FinancialEducation

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Talking Money with Nozi

@nozi_vanheerden

1 year

Appreciate your 9-5 job. It helps you to put food on the table. it gives you consistent cash flow to save and invest. You can use the income from your job to create additional streams of income. If you use the income from your job wisely, you can become financially independent.

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Talking Money with Nozi

@nozi_vanheerden

6 months

People: R10 000 per month car instalments. No problem 😁. Invest R10 000 per month in ETFs to build your wealth. Nope. Too risky 🤦🏽‍♀️

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Talking Money with Nozi

@nozi_vanheerden

1 year

I made a financial vow: my car instalments will never be more than the amount of money that goes to my savings and investments. This was after I realized that I would never be able to afford my retirement if I kept paying more for cars than my investments.

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Talking Money with Nozi

@nozi_vanheerden

5 months

2 of the biggest financial mistakes that the middle class often makes: buying too much car and too much house.

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Talking Money with Nozi

@nozi_vanheerden

1 year

@phikelwa74 As an employee you're replaceable. But as a parent, a sibling, a child, you are not. Always remember that.

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Talking Money with Nozi

@nozi_vanheerden

2 years

The reserve bank recently increased the repo rate for the 8th consecutive time, making debt more expensive. To get rid of high interest rate debt, there are two popular methods: the snowball and the avalanche. 🧵🧵

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Talking Money with Nozi

@nozi_vanheerden

1 year

Just a reminder to: Bank with banks. Get Insured by insurance companies. Invest with investment companies. Usually if you use services that a company doesn't specialize in, you're going to pay an arm and a leg in FEES!

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Talking Money with Nozi

@nozi_vanheerden

1 year

TFSA maxed out for 2023! When I started investing in 2017, I only managed to invest R900 for the year. I kept investing whatever I could 2018-2020. In 2021, I maxed out my TFSA for the first time! This year is the third time. Don't underestimate the power of habit. Start small.🏆

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Talking Money with Nozi

@nozi_vanheerden

9 months

Lack of financial literacy makes it impossible to build wealth. To improve your literacy: - Read financial literature. - Study money topics. - Study what successful people do. - Consume financial media: podcasts, blogs, vlogs etc... To master something, understand it first.

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Talking Money with Nozi

@nozi_vanheerden

2 years

The Big Mac versus the S&P500:

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Talking Money with Nozi

@nozi_vanheerden

3 months

My Sygnia S&P 500 dividends are in. I will use them to buy Satrix 40 which is paying on 22 July, then I'll use the Satrix dividends to buy FNB Global 1200 which is paying dividends in August... Does anybody else do this?

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Talking Money with Nozi

@nozi_vanheerden

1 year

Regarding the Easyequities email and the R25: Basically your account cannot be dormant. To avoid the R25 fee, you MUST deposit some money (any amount every month, even if it's R1) and not withdraw more than your deposit amount, OR

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Talking Money with Nozi

@nozi_vanheerden

7 months

Guys be honest, if you were not forced to contribute to your pension/provident fund would you have investments at all? After yesterday's post about the new retirement fund rules, I noticed that most of us want to spend all our money NOW!

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Talking Money with Nozi

@nozi_vanheerden

10 months

My salary was slashed in half during the Covid pandemic 😭. That was a difficult but very important financial lesson for me. I adapted, and when my salary went back to normal, I continued living as if I earn half, even to this day. I will never spend 100% of my salary ever 🤞🏼

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Talking Money with Nozi

@nozi_vanheerden

1 year

These are the ETF investments that I bought today and what they're all about 👇🏽

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Talking Money with Nozi

@nozi_vanheerden

7 months

The government is going to make a lot of money every year by taxing savings pot withdrawals 😭. Don’t touch your retirement funds unless you're actually retiring because it is just not worth it from a tax point of view, and also the fact that you will retire with less money.

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Talking Money with Nozi

@nozi_vanheerden

2 years

A brand new VW Polo 1.0 TSI will cost you about R329 300 cash, or R448 824.96 if you pay the R 6 233,68 instalment every month for 6 years. On the other hand...

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Talking Money with Nozi

@nozi_vanheerden

11 months

The sad thing about people in power getting rich through corruption is that it messes up young people. They start believing that the only way to get ahead in life is to be a thief. Those of us who teach about honest work and investing for the long-term sound like fools 😔

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Talking Money with Nozi

@nozi_vanheerden

11 months

This is my favorite personal finance book that I've ever read. Here is what stood out for me the most about it 👇🏽

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Talking Money with Nozi

@nozi_vanheerden

6 months

I've realized that the Tax Free Savings Account (TFSA) is grossly misunderstood 😕

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Talking Money with Nozi

@nozi_vanheerden

8 months

Please don't put Tax Free Savings Account (TFSA) money into an account that earns interest e.g. a cash-based bank TFSA. Cash loses its value against inflation. Use your TFSA to buy low cost diversified Exchange Traded Funds (ETFs) which do better against inflation over time.

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Talking Money with Nozi

@nozi_vanheerden

10 months

If you're blessed with a bonus this month, here are some ideas to use it wisely 💡

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Talking Money with Nozi

@nozi_vanheerden

9 months

You are not going to be employed forever. The picture shows you how many years and payslips you've got left before you retire (if you retire at age 65). Make sure you will have enough money by following these basic steps:

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Talking Money with Nozi

@nozi_vanheerden

2 years

In the next three days, I will be talking about 3 ways of investing in property starting with as little as R50 or less. Today I will talk about investing in REITS (Real Estate Investment Trusts). 🧵🧵🧵

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Talking Money with Nozi

@nozi_vanheerden

2 years

The Satrix 40 ETF (a basket of the 40 largest South African companies) paid a dividend of 21 cents per ETF today (23 Jan 2023). I have seen many people laugh at dividends like this because they think 21 cents is a complete waste of time. But what they don't know is…

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Talking Money with Nozi

@nozi_vanheerden

6 months

My investing strategy is simple: I invest in ETFs every month for the long term. That's all. It's boring, but it works.

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Talking Money with Nozi

@nozi_vanheerden

2 years

There was a time when my car installment was more than my savings and investments. My priorities were upside-down. Because I wasted so many years paying for liabilities, I now have to save and invest like a crazy person to make up for lost time. Learn from my mistake.

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Talking Money with Nozi

@nozi_vanheerden

9 months

If you are disciplined enough, you should invest for yourself over and above your pension funds and retirement annuities. Because 👇🏽

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Talking Money with Nozi

@nozi_vanheerden

2 years

When did you realize that your pension/ provident fund may be inadequate for your retirement needs? I realized in 2017 and this is what I have been doing to close the gap👇🏽

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Talking Money with Nozi

@nozi_vanheerden

5 months

One thing I regret about investing: Not starting earlier 😓

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Talking Money with Nozi

@nozi_vanheerden

5 months

Earning interest rather than paying interest, requires a change in mindset. Most people have been programmed to think that paying interest every month is 'normal'. Flip that script in your mind and life.

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Talking Money with Nozi

@nozi_vanheerden

27 days

This almost sounds like the DJ who was advising people to buy houses during covid and they later got buried financially by 11 consecutive rate increases ...

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Talking Money with Nozi

@nozi_vanheerden

9 months

One of my favorite investments is the S&P500 ETF. It is a basket of the USAs 500 largest companies like Apple, Microsoft, Google, Amazon, Visa, Mastercard, McDonald's, Netflix, Coca-Cola etc. In the past 5 years, the price has increased by 170.96% from about R35 to R96.

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Talking Money with Nozi

@nozi_vanheerden

1 year

@Tsogang3 This requires like-minded people with discipline and are willing to delay gratification. But with this 2-minute-noodle generation, they will start asking for their "profits" after a month.

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Talking Money with Nozi

@nozi_vanheerden

2 years

The Satrix top 40 ETF one of my favourite ETFs, is paying dividends on Monday, 23 January 2023. Today (17 Jan 2023), is the last day to buy the ETF to qualify for the upcoming dividend. The next dividends will be paid in April, July and October 2023. What is the top 40 ETF?

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Talking Money with Nozi

@nozi_vanheerden

3 months

Pay yourself first by saving and investing before paying bills or other expenses. This habit will help you to build wealth over time.

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Talking Money with Nozi

@nozi_vanheerden

2 years

Our income tax rates are among the highest in the world. Did you know that there's a way to invest for your future and reduce your income tax at the same time? 🧵🧵

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Talking Money with Nozi

@nozi_vanheerden

5 months

My best performing U.S. stock is $CAT, up 94.58%, which is completely unexpected. I had expected $MSFT (up 65.44 %), or $GOOGL (up 57.54 %), or $TSM (up 94%), to do much better than an old and boring company like Caterpillar. This is what I have learned about stock picking👇

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Talking Money with Nozi

@nozi_vanheerden

2 years

Investing R50, R100, R500 or R1000 per month will NOT give you a meaningful income right now. Your monthly investments are seeds that you are planting now and you will harvest in the future. Stop digging up your seeds before the tree has germinated.

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Talking Money with Nozi

@nozi_vanheerden

8 months

Becoming financially independent is more important to me than buying status symbols. I'd rather have money and look broke, than be broke and look like I've got money.

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Talking Money with Nozi

@nozi_vanheerden

1 year

This is what I bought on Thursday, the Satrix S&P500 ETF. It is a basket of the 500 largest American companies including Apple Inc, Microsoft, Google, Amazon, Tesla, Meta (Facebook), Johnson&Johnson, Visa, Mastercard. Current price is about R86 per ETF.

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Talking Money with Nozi

@nozi_vanheerden

3 months

When you tell people "save even if it's R100 a month" They think R1200 a year is nothing but they will borrow R500 from mashonisa. --- Nomsa Abigail Manana

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Talking Money with Nozi

@nozi_vanheerden

6 months

Being bad with money is a habit that people learn and strengthen with time. Being good with money is also a habit that people learn and strengthen with time. Money habits are not default settings that we are born with. We always have a choice...

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Talking Money with Nozi

@nozi_vanheerden

6 months

If you cannot manage small amounts of money now, you will not magically develop the ability to manage large amounts of money later...

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Talking Money with Nozi

@nozi_vanheerden

2 years

What is the S&P500 ETF? It is a basket of shares of America's 500 largest companies including Apple, Microsoft, Google, Amazon, Tesla, etc. There are currently four S&P 500 ETFs that are listed on the Johannesburg Stock Exchange (JSE). What is the difference between them? 🧵🧵

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Talking Money with Nozi

@nozi_vanheerden

10 months

Observation: people who get rich slowly treat money differently from those that get rich quick.

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Talking Money with Nozi

@nozi_vanheerden

7 months

Watch my YouTube video where I explained these new retirement funds rules in detail 👇🏽

Learn about the new retirement system coming soon in South Africa!

This video is about a huge shake-up in the retirement industry, that is going to affect all our pension funds, provident funds, as well as retirement annuiti...

www.youtube.com

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Talking Money with Nozi

@nozi_vanheerden

2 years

My video this week is about investing in alternative assets like solar panels, beehives, etc, using a platform called Fedgroup. Minimum investment amounts range from R100 to R7 300 with the potential to pay you monthly, bi-annual or annual income.

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Talking Money with Nozi

@nozi_vanheerden

11 months

There's someone out there who earns much less than you, but they have a higher networth and are on track to achieving their financial goals. Building your networth depends more on what you do with your salary and less on how big your salary is.

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Talking Money with Nozi

@nozi_vanheerden

2 years

Yesterday told you about part 1 of 3 ways of investing in property starting with as little as R50 or less. Today is part 2 🧵🧵🧵

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Talking Money with Nozi

@nozi_vanheerden

2 years

Prepare your saving, investing and spending plan now before you receive your salary. When money comes into your bank account, you simply follow your plan. That's how you build financial discipline.

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Talking Money with Nozi

@nozi_vanheerden

2 years

My slow Tax Free Savings Account (TFSA) investing journey to more than 100K. 🧵🧵

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Talking Money with Nozi

@nozi_vanheerden

6 months

ETFs, perfect for beginners who want to start investing but don't know where to begin. But first things first, what exactly is an ETF?

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Talking Money with Nozi

@nozi_vanheerden

6 months

I own an iPhone. I also invest in Apple by buying the S&P500 ETF. I pay for a Google sub. I also invest in Google by buying the S&P500 ETF. I use Meta. I also invest in Meta by buying the S&P500 ETF. Don’t just buy products and services. Own the businesses that create them.

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Talking Money with Nozi

@nozi_vanheerden

6 months

@MissNthabeleng That time only a privileged few earn that much. Majority of South Africans dont even earn half of that. Social media is out of touch with reality ...

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Talking Money with Nozi

@nozi_vanheerden

5 months

To become financially independent, you should get to a point where you are able to pay your bills with income from your investments forever. This is what you should be fighting for every month. Use your income to invest wisely so that this becomes a reality for you.

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Talking Money with Nozi

@nozi_vanheerden

6 months

The reason why investing in ETFs is so powerful (compared to stock picking) is that... 👇🏽

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Talking Money with Nozi

@nozi_vanheerden

2 years

What is a top40 ETF? It is a basket of shares of South Africa's 40 largest companies including Naspers, FirstRand (FNB), Anglo American Platinum, Standard Bank, MTN, Vodacom, Capitec Bank, Sasol, Absa, Shoprite, Woolworths, Clicks, PEP and so on...🧵🧵

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Talking Money with Nozi

@nozi_vanheerden

8 months

The financial future of so many people is worrying: There's a lot of spending: very high credit card debt, very high personal loans, very high car instalments, very high bond repayments. But very little to no saving and long-term investing. This is very scary.

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Talking Money with Nozi

@nozi_vanheerden

5 months

If you invest in ETFs like the S&P500 for example, it's almost like hiring Satya Nadella (CEO of Microsoft), Tim Cook (CEO of Apple), Jensen Huang (CEO of NVIDIA), Sundar Pichai (CEO of Google), Elon Musk (CEO of Tesla) and 495 top executives of other companies to work for you!

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Talking Money with Nozi

@nozi_vanheerden

1 year

Make use of accounts with tax benefits also known as tax-advantaged accounts. There are 2 types of tax-advantaged accounts:

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Talking Money with Nozi

@nozi_vanheerden

7 months

Common beginner mistakes to avoid when you start investing in the stock market:

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Talking Money with Nozi

@nozi_vanheerden

2 months

A credit card is NOT an emergency fund.

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Talking Money with Nozi

@nozi_vanheerden

4 months

If you have extra money in your budget, use it to build your emergency fund before paying extra on your debts. Why? Emergencies are not going to wait for you to pay off your debt before they strike. The purpose of an emergency fund is to prevent you from going further into debt.

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Talking Money with Nozi

@nozi_vanheerden

1 year

You can dump Easyequities based on principle: poor communication, sudden switch up of initial R0 fee promise etc, not cost... Because other platforms with the same offerings as Easyequities charge more than R25 per month for their platforms, excluding transaction costs.

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Talking Money with Nozi

@nozi_vanheerden

10 months

If you want to become financially independent, make investing every month a MUST, not an option.

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Talking Money with Nozi

@nozi_vanheerden

8 months

New financial year starts today (1 Mar 2024 - 28 Feb 2025). Time to start buying ETFs (Exchange Traded Funds) in my Tax Free Savings Account (TFSA) again. Today I'm buying the 10X Total World ETF, a basket of more than 9000 shares from 49 countries. #GetRichSlowly 🧱🧱🧱

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Talking Money with Nozi

@nozi_vanheerden

6 months

Many people have the: ‘Someday my income will be high and I will finally be able to save, invest, and pay off all my debt' attitude. Someday may never come. Treat this month's income as if that’s all you will ever get. Make the best use of it.

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Talking Money with Nozi

@nozi_vanheerden

10 months

Nobody is going to make sure that you are saving enough, paying off your debt, preparing for your retirement, or building your wealth. That's your job.

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Talking Money with Nozi

@nozi_vanheerden

8 months

I started treating money differently when I understood that being able to retire is not about age, it's about how much money you have accumulated. A 40 year old could afford to retire if they have enough money, while a 65 year couldn't afford to retire if they don't have enough..

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Talking Money with Nozi

@nozi_vanheerden

11 months

Interest rates have increased 11 times since November 2021. Rent only increased 2 to 3 times during the same period. Don't ever be pressured into buying a house when you're not prepared. Remember, besides the bond you need to pay for maintenance, rates and taxes, levies etc..

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Talking Money with Nozi

@nozi_vanheerden

4 months

How to invest for your children's education👇🏽

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Talking Money with Nozi

@nozi_vanheerden

5 months

There is no amount of money that you can earn to fix bad spending habits. That's why celebrities, sports stars, lottery winners etc can earn millions and still go broke. What you do with your money is significantly more important than how much you earn.

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Talking Money with Nozi

@nozi_vanheerden

7 months

There's an article by News24 that said South Africans use 65% of their monthly income to pay debt. For every R1000 that people earn, R650 goes to debt, leaving only R350. My podcast episode is how to get out and stay out of debt. Listen to it here 👇🏽

5| Get out of debt. Personal finance basics Part 4.

Talking Money with Nozi · Episode

open.spotify.com

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Talking Money with Nozi

@nozi_vanheerden

9 months

Never think of debt in terms of monthly instalments. That's how many people fall for paying huge amounts of money to banks and stores. Think of the total payment amount, plus interest. Make your decisions based on that information.

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Talking Money with Nozi

@nozi_vanheerden

1 year

I just added 120.26 Satrix S&P500 ETFs to my portfolio. Little by little 🧱🧱🧱

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Talking Money with Nozi

@nozi_vanheerden

2 years

🧵🧵🧵

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Talking Money with Nozi

@nozi_vanheerden

7 months

You will not be allowed to withdraw money from your retirement pot before retirement. This rule will apply even if you resign from your job.

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Talking Money with Nozi

@nozi_vanheerden

1 year

Many people dont understand Exchange Traded Funds (ETFs). I hope this analogy helps: Investing in individual stocks is like buying the captain of the Springboks, Siya Kolisi. Investing in ETFs is like buying the entire Springbok team.

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Talking Money with Nozi

@nozi_vanheerden

2 years

On Wednesday and Thursday I told you 2 out of 3 ways of investing in property starting with as little as R50 or less. Today is part 3 🧵🧵🧵

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Talking Money with Nozi

@nozi_vanheerden

2 years

If you're privileged to receive a bonus, use it wisely. For example 25% can go to your debt, 25% can go to your emergency savings, 25% can go towards your investments and 25% can go towards spending.

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Talking Money with Nozi

@nozi_vanheerden

1 year

Don't avoid investing small amounts of because you think it's a waste of time. Those small amounts will compound to larger amounts with time. Also, investing is about HABIT. Once you form the investing habit, increasing your investment amounts becomes easier.

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Talking Money with Nozi

@nozi_vanheerden

8 months

Don’t wait to buy ETFs. Buy ETFs and wait.

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Talking Money with Nozi

@nozi_vanheerden

11 months

The time to prepare for a crisis is BEFORE it happens, not AFTER. While you are still employed, don't blow your salary. Use some of it to build emergency short term savings and to invest for the long term.

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Talking Money with Nozi

@nozi_vanheerden

1 year

In this week's video, I show you how to build and monitor your ETF or share portfolio using Microsoft Excel using my EasyEquities TFSA and Australian investments as examples. Enjoy it and please remember to like the video and subscribe to my channel

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Talking Money with Nozi

@nozi_vanheerden

2 years

One of the reasons why I invest in the S&P 500 ETF (a basket of America's 500 largest companies), is that...

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Talking Money with Nozi

@nozi_vanheerden

10 months

If you struggle with financial discipline, just do important things first: When you get paid, save, invest, pay your bills and debts first. Afterwards, you can spend whatever is left without guilt. Don't start spending before doing important things first.

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Talking Money with Nozi

@nozi_vanheerden

11 months

I have both ETFs and individual stocks in my portfolio. My ETFs are doing much better than my stocks. When I stop being stubborn and finally accept defeat, I'll just move all my money into ETFs.

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Talking Money with Nozi

@nozi_vanheerden

6 months

Watch as I invest in my TFSA in March 2024:

Maxing out my EasyEquities TFSA in March 2024!

Watch as I max out my EasyEquities Tax Free Savings Account (TFSA) in March 2024! You will get to see the ETFs in my portfolio, as well as my overall TFSA po...

www.youtube.com

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Talking Money with Nozi

@nozi_vanheerden

2 years

How long can you afford your lifestyle without a salary? That's the measure of your wealth.

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Talking Money with Nozi

@nozi_vanheerden

2 years

If you invest in a top40 ETF, you will have people that work in big businesses like Capitec, Shoprite, Impala Platinum, Clicks, Woolworths working to make you richer. And if you buy international ETFs the rest of the world will be working for you as well.. #ETFinvesting

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Talking Money with Nozi

@nozi_vanheerden

1 year

@Mayo6Tee @ngcebomcobothi1 No. You cannot blackmail parents into accepting nonsense. Swazi doesn't even seem offended, her mom taught her a very important lesson. But you're more than welcome to allow your own teenage children to make 5 babies and you'll run after them with pampers.

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Talking Money with Nozi

@nozi_vanheerden

6 months

How to become a tax-free millionaire? Keep buying ETFs in your Tax Free Savings Account (TFSA) and HODL for the long term. Watch how this is possible here 👇🏽

How a Tax Free Savings Account prevents you from paying 4 types of...

You want to start investing in your TFSA, but you have no clue where to start? I have an ebook (R50) that will guide you step-by-step. Please go to https://t...

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Talking Money with Nozi

@nozi_vanheerden

3 months

I wish more older South Africans, especially retirees, could share personal finance tips, and also share how they managed to retire successfully. I would sign up to such a podcast/YouTube channel immediately. If you fit the bill and you're reading this, please do it, please 🙏🏼🥺

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