The Woman & Finance Podcast: Recent Episodes
Mapalo Makhu
The Woman And Finance Podcast is a platform offering women a place to have non-judgemental and jargon-free conversations around personal finance, business and life.
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
Episode 10
After six impactful months, we wrap up the Santam Insure Your Future Money Bootcamp with powerful stories that show just how much life can change when you take control of your finances.
In this final episode, we reflect on the lessons and breakthroughs our participants experienced — from paying off debt and getting promoted, to learning how to read their provident fund statement, to making their first investment confidently, to finally feeling at peace with their money. It’s proof that when you take charge, your money starts working for you.
Here’s what you’ll take away:
• How structure and intentional planning create space for financial growth
• Overcoming the fears and limiting beliefs that hold you back
• Setting healthy financial boundaries with family and loved ones
• The long-term power of small, consistent money decisions
• How to enjoy your money and still build towards financial freedom
Our participants’ stories remind us that real change is possible for anyone willing to take that first step. Many have become debt-free, built emergency savings, inspired their families to do the same, and even advanced in their careers after gaining financial stability.
The big lesson? Financial freedom isn’t just about numbers — it’s about mindset and building habits that create lasting results.
If you’re ready to shift your money story, start with this episode — or listen to the full Money Bootcamp series. It’s your roadmap to financial wellness.
SantamInsureYourFuture #Moneybootcamp #PersonalFinance #Wealth
Episode 9
Can you really afford to retire before 80???
In this week’s Money Bootcamp, my co-host Maya Fisher-French and I unpack the reality that most South Africans can only afford to retire comfortably at 80 — if at all.
We break down what it really takes to retire by 65, why so many fall short, and how to turn things around — from saving earlier and smarter, to building multiple income streams and planning for a longer life.
It’s not all doom and gloom — there’s still hope if you start now!
💡 You’ll learn:
• What replacement ratio really means and why it matters
• Why budgeting and tracking your expenses is key to retiring comfortably
• Simple strategies to grow your retirement savings
• How lifestyle creep can sabotage your long-term plans
• The biggest myths about retirement and what to do instead
MoneyBootcamp #WomanAndFinance #SantamInsureYourFuture #RetirementPlanning #FinancialFreedom
Episode 8
✨ What if your money could double without you lifting a finger? That’s the power of compound growth — one of the simplest, yet most powerful ways to build long-term wealth. 🌱💰
In this episode of the Santam Insure Your Future Money Bootcamp, Maya and I unpack the Rule of 72, explain how compounding really works, and share why staying invested is the ultimate game-changer for your financial future. Using real market insights, they highlight practical strategies to help you grow consistently and avoid costly mistakes.
You’ll learn:
✅ How the Rule of 72 shows when your money will double
✅ Why patience pays when compounding is at work
✅ The dangers of withdrawing investments too early
✅ How inflation affects your real returns
✅ The benefits of tax-free savings accounts
Whether you’re just starting your investment journey or want to sharpen your strategy, this episode gives you the tools to make your money work harder for you.
MoneyBootcamp #WomanAndFinance #Podcast #PersonalFinance #SantamInsureYourFutureMoneyBootcamp
Episode 7
We don’t always think about it this way, but marriage isn’t just about love, the dress, and the big day — it’s also a legal and financial contract. And the truth is, the marriage contract you choose can shape your financial journey in ways you may not even realise.
In this episode of the Santam Insure Your Future Money Bootcamp, Maya Fisher-French and I sit down with attorney and mediator, Lerato Seroke, to unpack everything you need to know before (and after) saying “I do.”
Here’s what we discuss:
💡 Common law marriage in South Africa
💡 The 3 types of marital contracts — and what makes them different
💡 What happens to your assets and debts depending on your marriage regime
💡 Why documentation is your best friend (especially in customary marriages)
💡 How contracts can actually strengthen, not weaken, your relationship
I even share why I personally chose to marry out of community of property without accrual — and how that decision has given me freedom and clarity in my financial journey.
This conversation is not about taking the romance out of marriage — it’s about making sure your love is protected and your future is secure.
MoneyBootcamp #WomanAndFinance #Podcast #PersonalFinance
Episode 6
In this episode of the Santam Insure Your Future Money Bootcamp, Maya Fisher-French and I sit down with Nonhlanhla Bakasa, founder of AdoWord Multimedia. Nonhlanhla shares her incredible story of living with a disability since the age of 12, after a spinal injury, and gives us an honest look at the physical and financial realities that come with it — from daily costs to navigating medical aids, insurance, and even the road accident fund.
We’re also joined by Stian de Witt, Certified Financial Planner and Executive Head at NMG Benefits. Stian brings his experience of walking the journey with clients who have become disabled and breaks down what it really costs. He also shares practical advice on finding the balance between having enough insurance cover and keeping it affordable.
Here’s what we unpack in this episode:
✅ The real costs of living with a disability
✅ How to think about insurance — and how much cover is “enough”
✅ The emotional and admin toll of claims processes
✅ Tax deductions and financial planning tips for disability
✅ Why building a strong support system matters more than we realise
Whether you live with a disability yourself or simply want to prepare better for the unexpected, this conversation is packed with raw insights and practical tools to help you safeguard your financial future.
MoneyBootcamp #WomanAndFinance #Podcast #PersonalFinance
Episode 5
In this episode of the Santam Insure Your Future Money Bootcamp, my co-host Maya Fisher-French and I sit down with Brian Mphakoanyane from Summit Financial to unpack one of the most important conversations in personal finance: DEBT!
From credit scores to debt counselling, Brian breaks down the realities of borrowing, the traps to avoid, and the practical steps you can take to get back in control of your money.
We talk about:
✅ The difference between good debt and bad debt
✅ How your credit score really works
✅ What to do when debt becomes overwhelming
✅ Debt review — the pros, the cons, and when it makes sense
✅ Why an emergency fund matters (even while in debt)
🎯 Whether you’re just starting your financial journey or trying to climb out of debt, this conversation is full of real, actionable insights to help you protect your future and move closer to financial freedom.
🎧 Episode 4: Budgeting as a homeowner
Buying your first home is exciting — but it can also be overwhelming if you don’t know what to look out for. In this episode of the Insure Your Future Money Bootcamp, Maya Fisher-French and I chat about the home-buying journey of one of her mentees, who’s right in the middle of it all.
We share the real stuff — the lessons, the “I wish I’d known” moments, and the practical tips that can save you a lot of stress (and money) down the line. From understanding what levies and maintenance costs actually mean for your budget, to why a home inspection is non-negotiable, we break it all down.
We also get into the nitty-gritty of mortgage shopping: why you shouldn’t just stick with your current bank, the benefits of a bond originator, and how some banks are offering 110% mortgages for first-time buyers.
Whether you’re a year away from buying or just starting to dream about it, this conversation will give you the tools — and the confidence — to make smart, informed decisions.
#MoneyBootcamp #WomanAndFinance #Podcast #personalfinance
💬 "If I knew then what I know now…"
In this Women’s Month special, I sit down with Michelle Green, Credit Analyst at Prescient Investment Management, to unpack the money lessons she wishes she’d learned in her 20s and 30s.
From early financial mistakes to building confidence as an investor, Michelle shares practical tips, personal reflections, and why she believes the future is female and financially secure.
We talk about:
✅ Lessons from her money journey
✅ Why financial independence is non-negotiable
✅ How to choose the right investment partner
🎯 Whether you’re starting out, starting over, or just ready to do more with your money—this conversation is packed with real, relatable insights to help you take that first step toward lasting wealth.
WomensMonth #FinancialFreedom #PrescientInvestmentManagement #WomenAndWealth #InvestInHer
You asked, we answered! 🙌🏾
A few weeks ago, I asked you to share your biggest questions about insurance — and wow, you came through!
In this episode, I sit down with Financial Planner Maxine Muller to unpack your most common concerns.
💡 What’s the difference between life cover and funeral cover?
📈 Why do premiums go up?
🔍 What should I look for in a policy?
💬 Do I even need insurance if I’m young and healthy?
We cover it all — in plain, simple language. If insurance has ever felt complicated or overwhelming, this conversation is for you.
To learn more 👇
https://www.liberty.co.za
📩 Want to reach out to Maxine?
- Email: maxine.muller@liblink.co.za
- Instagram: @maxinemuller_financial
- WhatsApp: 074 630 8980
InsuranceLiteracy #Liberty #ProtectWhatMattersMost #InItWithYou #Woman&Finance
Episode 3:
In this episode of theInsure Your Future Money Bootcamp, we speak to Thokozani, one of my former mentees, about her journey from financial stress to confidently managing her money.
She shares practical budgeting techniques using a combination of apps, spreadsheets, and traditional methods, as well as how she manages unexpected expenses and uses her side hustle income intentionally. Thokozani also reflects on how budgeting has changed her family's approach to money, encouraging open conversations and long-term financial planning.
This episode is part of the Santam Insure Your Future series, aimed at equipping you with tools and insights to take control of your finances.
Learn more:
https://www.santam.co.za/about-us/santam-insure-your-future-money-podcast/
InsureYourFuture #SantamMoneyBootcamp #SantamInsurance #WomanAndFinance
Episode 2:
Tax season is here and often brings stress and confusion — but it doesn’t have to. In this episode of the Santam Insure Your Future Money Bootcamp, my co-host Maya Fisher-French and I are joined by tax expert @AndreBothmaTax to simplify the filing process and empower you to handle your taxes with confidence.
We cover everything from SARS auto assessments and why you should review them carefully, to the importance of filing — even if you’re a student or freelancer. Andre also explains provisional tax, common deductions, eFiling tips, and how to avoid costly penalties.
Whether you’re new to tax or just need a refresher, this episode offers practical, easy-to-understand guidance to help you navigate tax season stress-free.
InsureYourFuture #SantamMoneyBootcamp #SantamInsurance #WomanAndFinance
Episode 1:
Money isn’t just about numbers — it’s emotional. In this episode of the Santam Insure Your Future Money Bootcamp, my co-host, Maya Fisher-French and I, explore the hidden impact of financial trauma. From the money messages we absorbed as children to the silent promises we made to ourselves (like "I’ll never be broke again"), our past experiences often shape how we earn, spend, save, or avoid money altogether.
We talk about how these deep-rooted patterns show up in adulthood — whether it's anxiety around checking your bank account or overspending to feel secure. We also share practical ways to start healing and shift your money mindset.
Download the money questionnaire here: https://www.santam.co.za/about-us/santam-insure-your-future-money-podcast/
In this episode of the Woman & Finance Podcast, we sit down with Simon Brown, founder of Just One Lap and one of South Africa’s most trusted voices on investing and personal finance.
We unpack:
✅ How to start investing in South Africa—even with limited funds
✅ Common mistakes investors make (and how to avoid them)
✅ Building long-term wealth using ETFs
✅ Why financial education is your biggest asset
Whether you’re just starting your journey or looking to refine your investment strategy, this episode is packed with valuable insights that will empower you to take control of your financial future.
🔔 Subscribe to our channel for more honest money conversations!
💬 Let us know in the comments: What's one thing you're doing to grow your investments this year?
👇 Resources & Mentions:
📍 Just One Lap: https://justonelap.com
📍 Follow Simon on Twitter: @SimonPB
📍 Woman & Finance Blog: https://womanandfinance.co.za
🎧 Also available on Spotify, Apple Podcasts & Google Podcasts.
Investing #SimonBrown #SouthAfrica #PersonalFinance #WomanAndFinance #ETFs #WealthBuilding
Episode 4 of 4:
No Job Left Behind – The Power of Event-Based Insurance
Whether you’re a freelancer, teacher, entrepreneur, or corporate
professional — your ability to earn an income matters. But what happens
when an unexpected life event affects your ability to work?
In this episode of The Woman & Finance Podcast, we break down
event-based cover — a type of insurance designed to support every
occupation, not just the traditionally insured ones.
We’re joined by Bidvest Life to explore why this cover is especially
relevant in today’s unpredictable world, how it differs from traditional
disability cover, and what you should consider when choosing a policy.
✨ This episode is a must-listen for breadwinners, business owners, or
anyone whose income depends on them showing up daily.
Want to learn more or have someone from Bidvest Life contact you?
Fill in your details here: https://bidvestlife.co.za/podcast-series/
WomanAndFinance #IncomeProtection #EventBasedCover
BidvestLife #SmartMoneyMoves
Episode 3 of 4:
More women are becoming the main earners in their households — but this role often comes with added financial pressure and responsibility. In this episode of The Woman & Finance Podcast we focus on how female breadwinners can approach their finances with clarity and confidence.
We cover:
• How to create a practical financial plan based on your responsibilities
• The importance of protecting your income
• Managing household expenses and financial expectations
• How to save and invest consistently, even when supporting others
This episode is for women who are navigating the realities of being the primary income earner — whether single, married, or supporting extended family.
📌 Clear, practical advice to help you stay financially secure while taking care of those who depend on you.
👉 Want to learn more or have someone from Bidvest Life contact you? Fill in your details here: https://bidvestlife.co.za/podcast-series/
WomanAndFinance #FemaleBreadwinner #FinancialPlanning #BidvestLife #IncomeProtection #WomenAndMoney #FinancialSecurity
Episode 2 of 4:
A life-changing diagnosis can affect more than just your health — it can derail your finances. In this episode of The Woman & Finance Podcast, we explore critical illness cover and why it’s one of the smartest financial moves you can make.
We’re joined by Melody Cloete from Bidvest Life to unpack what critical illness insurance actually is, how it works, and why it’s essential — especially for women who are breadwinners, caregivers, or entrepreneurs.
From cancer to heart disease, a serious diagnosis could mean months away from work. This conversation will help you understand how to protect your income, your peace of mind, and your loved ones during some of life’s toughest moments.
👉 Want to learn more or have someone from Bidvest Life contact you? Fill in your details here: https://bidvestlife.co.za/podcast-series/
WomanAndFinance #CriticalIllnessCover #IncomeProtection #BidvestLife #SmartMoneyMoves #PersonalFinanceSA #InsuranceMadeSimple #FinancialWellbeing #FinancialFreedom
A breakdown on how to read your Pension/Provident fund statement.
Watch the video here: https://www.youtube.com/watch?v=XCgEplpYyRk
pensionfunds #retirementplanning #riskbenefits
Episode 1 of 4:
What would happen if you couldn’t work tomorrow due to illness or injury? Would your bills still be paid? Would your family be okay?
In this first episode of the Woman & Finance podcast in partnership with Bidvest Life, we dive into one of the most overlooked yet essential types of cover: income protection.
Many South Africans insure their cars and gadgets—but forget to insure the very thing that pays for it all: their income. Whether you're employed, self-employed, or a freelancer, your ability to earn is your biggest asset.
This episode unpacks:
· What income protection is and how it works
· Why it’s different from life or disability cover
· Real talk on why many people delay getting covered and the impact
· How to start thinking about protecting your income the smart way
It’s time to shift the narrative: income protection isn’t a luxury—it’s a lifeline.
🎙️ Listen now and learn how to protect your peace of mind and plan for the unexpected.
👉 Want to find out more or speak to someone about protecting your income? Fill in your details here: https://bidvestlife.co.za/podcast-series/
WomanAndFinance #IncomeProtection #BidvestLife #MoneyMatters #PersonalFinanceZA #FinancialSecurity #AdultingWell #MoneyTalks #ProtectYourIncome
Retirement is a major life shift—and if your parent is about to retire, you need to be part of the conversation. In this episode, I break down the key decisions they’ll face (like choosing between a life or living annuity), tax implications, estate planning tips, and how you can guide them with confidence. 💼✨
RetirementPlanning #AnnuitiesExplained #WomanAndFinance #FinancialWisdom
Are you raising a money-smart child? 💰
Teaching kids about money isn’t just about giving them an allowance—it’s about shaping lifelong habits that lead to financial independence! In this video, I share practical, everyday ways to teach your kids how to manage money, make smart spending choices, and develop a healthy relationship with finances.
personalfinance #moneytips #kidsandmoney
Ever wondered about the difference between Tax-Free Savings Accounts and Retirement Annuities? In today's podcast, I discuss the benefits and limitations of both these investment vehicles.
Enjoy!
Don't forget to follow me on:
Instagram: https://www.instagram.com/mapalomakhu/
TikTok: https://www.tiktok.com/@mapalomakhu?_...
1. Get Married in Community of Property
2. Take on Credit in Your Name for Someone Else – redflag!!!!!
3. Lend Money to Friends and Family
4. Ignore SARS!
5. Give Up Your Power – Don’t Be a Damsel in Distress
Join myself and Maya Fisher-French reflect on the transformative journey of Santam staff who participated in the six-month Santam Insure Your Future Money Bootcamp. This empowering initiative culminated in a celebration honouring individuals who bravely shared their financial challenges, embraced change, and achieved remarkable personal growth.
In this episode, hear firsthand the inspiring testimonials of participants who gained financial confidence and clarity. Discover how the bootcamp helped them confront fears and overcome shame around money, leading to enhanced financial literacy and self-awareness. Participants learned to read the fine print, ask critical questions of financial institutions, and understand the impact of their financial decisions. With this newfound knowledge, they started open and honest conversations about money, not just with themselves but with their families—breaking generational cycles of poverty and becoming role models for their children.
Join us as Maya and I share key lessons from the bootcamp, including the importance of reviewing bank statements, managing subscriptions, and understanding debt. We also explore the psychological side of money, emphasising the power of a positive mindset and intentional financial planning.
Join us to discover how you, too, can shift your financial perspective, take control of your money, and start your journey toward financial empowerment. Be inspired by the incredible stories of those who have reclaimed their financial futures—listen now!
While previous episodes have focused on building wealth, this time we’re shifting the conversation to succession planning and creating intergenerational wealth. How can you protect your family while ensuring your assets benefit future generations?
Joining us is fiduciary expert Moremadi Mabule, who sheds light on wills, estate planning, and the crucial yet often-overlooked tax implications that arise upon death.
Estate planning isn’t just for the wealthy—it’s about making sure your hard-earned assets are effectively passed on. Moremadi breaks down critical aspects, such as estate duty and executor fees, which can reach up to 4% of your estate's value. She also shares practical strategies for reducing these costs, including negotiating fees and planning for taxes.
We also discuss the importance of updating retirement fund nomination forms and understanding how these benefits are treated differently from other estate assets. Moremadi explains how tools like testamentary trusts and beneficiary funds can safeguard your children’s inheritance and ensure it’s managed responsibly. Additionally, we delve into selecting a guardian for your children and structuring your will to provide for them financially.
Lastly, we touch on the value of a living will—an essential document that communicates your wishes should you become incapacitated.
Join us for this eye-opening episode, where we outline the steps to secure your legacy and ensure your wealth supports the people who matter most.
In this episode, we dive into the world of retirement planning with Johann Steyn, a certified financial planner at Rainmaker Bluestar by Sanlam. As retirement draws near, having a well-thought-out financial strategy becomes more crucial than ever. It’s not just about understanding where you stand financially but also knowing how to make the most of your tax options. Johann shares valuable insights on getting retirement-ready, whether you’re five years away or just one. He stresses the importance of setting realistic goals, understanding the legislative landscape, and assessing the purchasing power of your hard-earned money.
One of the standout conversations is about creating a solid retirement budget and the need to clear your debts before retiring. Johann also breaks down the significance of knowing your expenses and preparing for what it might take if you dream of early retirement. We address some common misconceptions, like the difference between taking a lump sum or an ongoing income and how your life expectancy plays a major role.
We also explore various retirement products, including living annuities and life annuities, and discuss when each might be the best fit. Johann sheds light on the advantages and risks, from market volatility to the idea of a hybrid approach, while emphasizing the importance of keeping a medical scheme in place, especially given the rising inflation of healthcare costs.
And of course, we touch on how tax-free savings accounts can complement your retirement plan. Johann shares how these accounts can be a smart way to provide tax-free income later on.
Tune in for this comprehensive discussion on retirement planning and get equipped with the knowledge to secure your dignity and independence during your golden years!
In the last two episodes, we explored saving and investing for goals we aim to achieve during our working years. However, there comes a time when we want to relax and retire, or at least have the option to choose whether to keep working or not.
One of the major challenges with retirement funding is that people are living well beyond the traditional retirement age. Many companies set retirement at 60, yet with life expectancy nearing 90 years, that leaves us with around 30 years of retirement to fund.
There are really only two ways to address this: either start saving 18% of your salary from your very first paycheck, or delay retirement until 65. Even in that case, saving at least 15% of your income from the age of 25 is necessary to retire comfortably. Many people still find they need to supplement their retirement income, and in the next episode, we'll dive deeper into retirement strategies. In this episode, however, we discuss “how much is enough,” the importance of paying off debt before retirement, how to invest for retirement, and the different investment products available.
We also cover the introduction of the Two Pot retirement system and its impact on retirement planning outcomes.
Send us a text
In our last episode, we focused on saving for those shorter-term goals, but today we’re diving into those medium to longer-term ones—like funding your child’s university education in 10 years, leaving a financial legacy, or maybe even starting your own business. So, how do you begin?
We kick off by emphasizing the importance of setting clear and realistic financial goals. We provide a real-world example of how to calculate future education costs, demonstrating how inflation can dramatically increase the amount you need to save over time.
One of the key lessons in this episode is understanding the difference between interest and growth. While interest is a guaranteed return you get from a bank, growth comes from investing in assets that increase in value over time. We talk about how unit trusts and ETFs are great tools for growing your capital.
We also spend a good portion of the episode discussing tax-free savings accounts (TFSAs). Since their introduction in 2015, TFSAs have been an excellent tax-efficient way to save and invest. We highlight how they can be a smart choice for long-term goals like saving for your child’s education or even adding to your retirement pot. It’s important to view them as long-term investment vehicles, not just regular savings accounts.
We also explore the idea of investing offshore, showing how you can access global markets through local funds that invest abroad. For those looking to diversify and build assets outside of South Africa, local companies offering offshore investment products are a good place to start.
Lastly, we caution against using endowment products for education savings. These often come with high fees and tax complexities that aren’t always in the investor's best interest. Instead, we advocate for simple, low-cost options like TFSAs and unit trusts.
Send us a text
In this episode, we guide listeners on breaking free from debt reliance by establishing a solid savings plan. We explore the importance of saving, what goals to aim for, and the necessity of an emergency fund—why it’s crucial and how to create one. Contrary to common belief, a credit card should not be mistaken for an emergency fund!
We share practical tips for building an emergency fund and discuss the advantages of having a financial safety net for unexpected expenses. We also review the different types of accounts suitable for emergency savings and consider whether incorporating your mortgage as part of your financial buffer is a good idea.
Additionally, we provide insights on how to save for school fees and daily school-related expenses, as well as how to support your parents in building a home without accumulating debt.
By planning and saving for these costs in advance, you can avoid the pressure of last-minute financial emergencies.
podcast #savings #investing
Send us a text
In this video, Dr. Lekalakala takes us through her inspiring journey to becoming a homeowner. From unexpected shocks to costly mistakes, she shares the highs and lows of the process, what she wishes she knew before starting, and the valuable lessons she's learned along the way. Whether you're a first-time homebuyer or just curious about the realities of owning a home, this conversation is packed with practical advice and real-life insights. Don't forget to like, comment, and subscribe for more content on personal finance and empowering money stories!
Watch the episode here: https://youtu.be/EWyT7NhqDA0?si=SS6bklrCMo3WaVB-
Send us a text
In our previous episode, we discussed life and risk cover—insurance that provides financial support if our health takes a turn or in the event of our passing. Equally important is health insurance, which helps cover medical expenses, not just for doctor visits but also for hospital stays or chronic treatments. Unfortunately, in South Africa, relying solely on government health services isn’t always an option, so many people turn to private healthcare, making health cover essential.
In this podcast, we’re joined by Mbali Khumalo from Simeka Health, who will guide us in choosing the best medical options to suit our needs. We’ll break down the jargon and clarify the concepts of hospital plans, comprehensive medical scheme cover, gap cover, and medical insurance. We’ll explore the costs and benefits of each, helping you understand what makes the most financial sense.
Send us a text
🎙️ In Episode 6 of the Santam Insure Your Future Money Bootcamp, Maya and I are joined by Johann Steyn, a certified financial planner at Rainmaker BlueStar by Sanlam. We dive deep into the complexities of life cover—what it means, why it matters, and how to make the best choices for your financial future.
moneybootcamp #podcast
In this episode, we address the challenge of managing overwhelming debt, particularly as interest rates and inflation continue to rise. With many people finding it difficult to keep up with their debt payments, we're here to provide practical advice and strategies to help you take back control of your finances. We'll cover topics like the snowball method, how to negotiate with your creditors, and the benefits and drawbacks of debt consolidation. We’ll also explain what debt review entails, how it operates, and the key things to watch out for. By making small adjustments and redirecting your funds, you can make significant progress in reducing your debt.
Don’t forget to download our budgeting and credit agreement templates to support you on your path to financial freedom.
https://www.santam.co.za/about-us/santam-insure-your-future-money-podcast/
In today's episode of Santam Insure Your Future Money Bootcamp, Maya and I focuse on responsible credit use, offering insights into budgeting, borrowing, and distinguishing between good and bad debt. We provide a comprehensive guide to understanding and managing debt.
Enjoy
In Today's podcast, I sit down with Olen Sterling, a seasoned bond originator, to explore the ins and outs of the home buying process. Olen shares expert advice on securing the best bond deals, understanding interest rates, and navigating the often complex journey to home ownership. Whether you're a first-time buyer or looking to upgrade your current home, this episode is packed with valuable tips and strategies to help you make informed decisions and achieve your dream home. Don't miss it!
personalfinance #moneytips #property #homeownership
In this episode, we dive into the complexities of budgeting for significant financial commitments, such as buying a home. Join our discussions with previous mentees, Tshiamo and Babalo, who share their experiences and valuable insights on managing large expenses.
Whether you're planning to buy a house or make another big purchase, this episode will provide you with practical strategies to budget effectively and achieve your financial goals.
insureyourfuture #moneybootcamp #podcast
Episode two: Budgeting – directing your money
The first step in gaining control of your finances is understanding where your money goes each month. In this podcast, Maya and I have an open and candid discussion about our own budgeting methods, sharing tips, hacks, and the financial mistakes we've made. We also talk to Sbongile, who began her money bootcamp journey as an intern on a small stipend. She shares her experience and how it helped her manage her finances when she received her first salary.
We cover different budgeting strategies, including zero-based budgeting and the 50/30/20 rule, highlighting the importance of finding an approach that suits your unique lifestyle and financial situation. Additionally, we discuss the concept of a survival budget and how it can serve as a safety net during financial crises.
In this insightful interview, we sit down with renowned psychologist and coach, Farhana Goga, to explore the powerful connection between your mindset and your money. Discover the different money archetypes and how understanding your financial personality can transform your relationship with money.
Farhana shares practical tips on how to shift your mindset, overcome financial fears, and harness the strengths of your unique money archetype to build a prosperous future.
Whether you're a saver, spender, investor, or anywhere in between, this conversation will provide valuable insights to help you achieve financial well-being.
Presenting the Santam Insure Your Future Money Bootcamp podcast series.
Are you ready to seize control of your financial destiny? The Santam Insure Your Future Money Bootcamp podcast series is here to guide you through a transformative journey to help you master your finances.
Hosted by Maya Fisher-French and Mapalo Makhu, this series is designed to help you build a solid financial foundation, no matter where you are on your financial journey. In the first episode, Maya and Mapalo delve into the crucial topic of money and emotions. While personal finance may seem like it's all about numbers, our emotional relationship with money significantly influences our financial decisions.
Understanding this relationship is the first step toward achieving financial freedom. Maya and Mapalo share their experiences working with individuals and couples, highlighting how emotional triggers can sabotage financial goals. They introduce the Money Story Questionnaire, a powerful tool to uncover your money story and understand how your upbringing and past experiences shape your financial behavior. Completing this questionnaire can provide valuable insights and pave the way for healthier money habits.
One key takeaway from this episode is the importance of open communication about money, especially in relationships.
Visit the Santam website to access all the templates: https://www.santam.co.za/about-us/santam-insure-your-future-money-podcast/
Are you making these mistakes with your Tax-Free Savings Account? Don't let simple errors sabotage your savings goals!
Join me as I sit down with Nkosazana, also known as "The Car Lady," a seasoned car sales expert.
In this insightful interview, Nkosazana shares her top tips and invaluable advice for anyone looking to buy their first car. Learn how to navigate the car-buying process, what to look for in a vehicle, and how to get the best deals. Whether you're a first-time buyer or looking to upgrade, this video is packed with practical knowledge and expert insights to help you make a confident and informed decision.
Don't miss out on this must-watch episode!
Also check out Nkosazana on TikTok: / ucht2zdxlsivbjjb0y0qhrgw
southafrica #cars #personalfinance #moneytips
On today's episode of The Woman and Finance Podcast, we're joined by Ess Mukumbo, a self-taught investor and personal finance educator, who contributes to Financial Mail. Ess's approach to personal finance is not only practical and empathetic, but also incredibly accessible. During our discussion, we'll explore the concept of financial wellness, strategies to achieve it, and Ess's own methods for investing. Tune in for an enlightening conversation.
In this episode, our guest Sheila-ann Robey, a qualified Financial Planner, a practicing Attorney who holds numerous qualifications, including a master’s degree in insurance law (cum laude) and a post graduate diploma in Financial Planning, sheds light on the crucial aspects of retirement planning, navigating the innovative two-pot system in South Africa, and the transformative power of budgeting and mindset shifts in financial management.
Whether you're just starting your financial journey or looking to enhance your retirement strategy, tune in to gain valuable knowledge and actionable tips for securing your financial future.
Embarking on the journey of buying your first property can be both exciting and daunting. In this insightful conversation, join me as I sit down with the knowledgeable Zamantungwa Khumalo to explore the essential do's and don'ts for first-time homebuyers. From navigating the market to avoiding common pitfalls, we've got you covered. 🏡💼✨ #property
In this insightful episode, join us for an informative conversation with Tabello Motshwane, a seasoned Attorney, as we delve into the complexities of divorce and child maintenance. Our discussion goes beyond legal jargon to explore the emotional and practical aspects of family transitions.
You can find Tebello on Instagram https://www.instagram.com/bellz_motshwane/#
I had the pleasure of sitting down with Gugu Mfuphi; an award-winning broadcaster and financial journalist to discuss managing money as a freelancer.
Today I am joined by Boniwe Dunster, who is a HR specialist. We had such a good conversation on navigating the workplace! She answered some of the following questions:
- What information should you include in your CV?
- What is the most common mistake young people make on their CV's?
- How does one answer "why should we hire you?"
- Should you accept the first offer they give you?
- Why do recruiters ask for your current payslip? Should you do this? Or is there a way not to give them your current payslip? (There is potential to be lowballed)
- How do you know if you are getting paid a fair salary when many company's policies are to NOT discuss your pay with colleagues?
- How does one deal with rejection and not get disheartened while seeking employment?
- Should you tick all the boxes of a job description before you apply?
- When should you ask for a raise? And how?
- If you are denied a salary increase, what should you do next?
- How does one build a personal brand within a company?
- Is job hopping a bad thing?
- How can you deal with jealous colleagues as a top performer?
- How can one deal with a toxic work environment? Bullying in the workplace (effects: stress, low self-esteem, etc) and how to build your confidence?
- Tips to deal with imposter syndrome in the workplace?
- Social media: should you follow colleagues on social media? Does what you post matter?
Here are 7 ways to spring clean your finances today to prepare for the new year!
sponsored by ACK Financial services
In this episode, I talk to an attorney, Thato Mamahlodi-Sofe who takes us through the different marital regimes available in South Africa.
Not only that, but we also discuss the implications of being in a Vat en sit relationship - what rights do partners have? And lastly, we talk about a hot topic, Lobola - when are you considered married?!
Enjoy!
Connect with me on:
Instagram: https://www.instagram.com/mapalomakhu/
Facebook: https://www.facebook.com/WomanAndFinance
Twitter: https://twitter.com/WomanAndFinance
Website: https://womanandfinance.co.za/
I am so thrilled about this podcast because I got to interview my personal finance girl crush! My guest is Sam Beckbessinger, an entrepreneur and best-selling author of the book Manage Your Money like a Fucking Grown Up!
Our conversation focuses on 3 key areas:
- Why you shouldn't fully trust your financial advisor!
- Financial products we are NOT crazy about!
- The first step to a financially fulfilling and successful life.
Enjoy!
Connect with me on:
Instagram: https://www.instagram.com/mapalomakhu/
Facebook: https://www.facebook.com/WomanAndFinance
Twitter: https://twitter.com/WomanAndFinance
Website: https://womanandfinance.co.za/
Money and Relationships
Why is it so difficult to have uncomfortable conversations with our partners, especially around money?
In this podcast; I enlist the help of Dr Ingrid Artus, a psychologist and neurotherapist with decades of experience to take us through some practical tips on how to talk to your partner about money.
Connect with me on:
Instagram: https://www.instagram.com/mapalomakhu/
Facebook: https://www.facebook.com/WomanAndFinance
My website: https://womanandfinance.co.za/
Hi Tribe!
I am so excited to start podcasting again! Please take a listen to the Intro so you know what to expect on the upcoming podcasts.
Please don’t forget to subscribe and leave a review so that other incredible women just like you can find this podcast and enjoy the tools and tips we so often discuss.
Love,
Mapalo