Unlocking Relationships, Spirituality and Entrepreneurship.

Saving and investing are two ways of managing your money for different purposes and time frames. Saving is putting money aside for short-term needs or emergencies, while investing is buying assets that can grow in value over time. Both saving and investing are important for your financial well-being, but they have different advantages and disadvantages. In this blog post, I will share with you my personal journey of learning about investing and how it changed my life. I grew up not really understanding how investing work. I’ve always thought it was a scam. I guess that’s why when I became older I struggled with investing money. The only thing I was always ready to pay towards and knew I wouldn’t have problem when a certain amount is deducted from account are Funeral Policies. My grandmother always said to me “always ensure you have a funeral cover and enough money saved so that when you die the family can use that money to cover for your funeral.” But then I realized that there is

One of the things that I often see on Social Media is how important it is to be financially literate from a young age. Having financial skills can help you make smart choices with your money and plan for your future. But what exactly are financial skills and why do you need them? Financial skills are the abilities that allow you to manage your money wisely and make informed financial decisions. Financial skills are crucial for anyone who wants to achieve their personal and professional dreams, whether it is retiring comfortably, buying a home, launching a business, or investing in the stock market. I have to admit that I was not always good at managing my money, and I made some mistakes that got me into debt with my friends and family. It was not a pleasant feeling to avoid their calls or to lie to them about when I could pay them back. That's why I decided to change my habits and learn how to budget, save, invest, and manage debt. These are the skills that I think everyone shoul

We are 3 months away from the year-end and I am sure I am not the only one who is trying to make the cents make sense. Financial stability is the one thing most of us are striving for; better yet no one wakes up and wants to be stuck in debt or struggle to make their money work for them. I'm not rich, and neither do I have multiple incomes, however, I advise you to jump into getting more than one source of income, In my next article I will share how you can do that. In the meantime, let us talk about how you can make that one cheque work for you. 5 Important Tips to Follow Before I jump into these things I am pretty sure you already know these things, You probably already practicing them, or just like me at times you write them down swear to do them, and end up not doing them. The trick is not only to write them down but also to start practicing them. 1. Create a Budget! I cannot emphasize how important a budget is, having a list of the essential things that need to be bou

The epitome of women succeeding is still based on men. I mean men don’t even have to say much, society on its own has labeled us women as people who can’t make it without assistance. “behind every success man is a woman” why must I be behind you? Why must I be your tail and not your head, why must I be your follower and not your leader?  We won’t deny the fact that the bible reminds us that men are the providers and we are the nurtures however we will also not look away at the fact that God created us in His imagine. When we read the bible we see how creative, artistic and multitalented God was and is. So that means we as women also have those characteristics embedded in us. Society having to learn and unlearn some of the things that oppress us is still a challenge as we “society” still have a narrow mindset about certain things.  Women are constantly fighting to take up space in their respective industries and in most cases the people that look down on them, de

From the beeping sound of our alarms to the daily notifications we get, by now you know that young people are in the gist of getting up and making something of themselves. The rush of being a career woman is the daily order. Not only are young people doing the most in their respective industries but we also have young black females dominating in these industries. The evolving of time has caused us females to not only strive for excellence but to stand our ground. The notion of “a woman’s place is in the kitchen” has been wiped off by women who are taking up space, women like the likes of Karabo Ramabu.  Meet Karabo Ramabu, 24-year-old self-taught makeup artist, YouTuber, business owner, female president and junior board assistant chairperson for a youth development organization. ‘I define a modern woman as someone whose bold, go getter, content and knows who they are’ said Karabo. Women taking up space and creating space for other women, to also come and take th

  What a time to be alive, from being under house arrest “lockdown” to living in the midst of a pandemic. The country has taken an unusual turn. However, that hasn’t stopped women from chasing their dreams and achieving their goals. We constantly define a woman as a strong person, someone who is fearless, a go-getter, ambitious and driven. Well met Lindokuhle Yolanda Dube the CEO of a company called Msebenzi Wethu Services that deals and focus on laundry, gardening and your daily services that you may require as a person. Naturally being a female in South Africa is tough, we are constantly fighting battles that we ourselves didn’t even ask for, we faced with battles that are beyond us, battles that force us to be strong even in the midst of a deadly pandemic; Covid- 19. It takes a grounded, steady and focus woman to take up space, even in a society that is male dominated. Words like “a woman’s place is in the kitchen” “your duty is to raise the kids and th

It's a pity that some of the things we do we learn them from our parents who also learnt it from their parents, it's a generational cycle we need to break. One of the generational cycles I found myself drowning in was the one of debt!, Debt one of the biggest problems that most young people find themselves tight up in and the only way to get out is by borrowing from one lender to pay the next. This is the fastest growing problem as 1 in 3 millennials find themselves with debt before the age of 30. Before I was born my grandmother was a stay at home mom, she moved to the city to go find work when my grandfather was retrenced. She became a domestic worker and 10 years later she found herself drowning in debt, borrowing from one lender to pay the next lender. She would console herself by saying "Batho kao fela ba na le dikoloto" (everybody has debt). She passed down this mentally to my mom who passed it down to me. At 18 I was already owing a clothing store r

With every "Tsala Dumela" to every "Gompieno" you know for sure that you are about to be encouraged with some setswana poetry. The art of words, creativity and a passion for healing people with words has become one of the things most young people seek when they hop on to social media and good bet because we actually have those young people who are doing exactly that. Mogote Wa Poko the well known setswana poet is here to take the world by storm with his traditional poetry that is making waves all over South Africa. Most young people would think as a poet the best language to use is English as it is a universal langauge, one of the most understood and maybe because our African languages aren't really ideal especially if one's craft is going to be their career as well. Mogote took the country by storm as he started performing his work of art by using his home language, he moved from being a community poet to being the most recognized on

Millennials! The fastest growing generation that is always on the run either to make a name for themselves or simply to secure the bag. We are constantly meeting up, signing deals and "hooking up" however does every meeting and hangout have to be alcohol based? Do we constantly need to have alcohol to have a "great time" do we actually need to be intoxicated just to remember it as the "best time" of our lives?  I met up with one guy, Sandile Mehlomakhulu whose 24 years of age and feels this generation is indeed alcohol based. I mean an ideal hangout or celebration for him included having a beer or two. Interesting how a mere celebration, even if it's to celebrate something big or small Sandile always felt the need to having alcohol with him. Sandile spent an entire 5 weeks in hospital due to a broken leg that dislocated his hip and this all happened right after celebrating his academic results. Most people would think after such a distressi

How hungry are you for this opportunity?, How badly do you want this? These are questions mostly asked when you sitting in an interview room. Now most of us find ourselves rushing to answer it by saying "I'm willing to do anything", willing to do anything? For real? Are we really willing to do anything or we just saying it to buy the interviewers face and time?. Most young people find themselves in working environments that are draining not only physically but emotionally as well. The lack of "everything" has led us to wanting to do "anything" just so that we can secure the bag but question is are we really securing the bag?. One of my friends used to say to me I need to get over the "bazothini abantu" syndrome an african proverb that means "what will people say" (basically saying people will always talk whether you do good or bad). He used to say to me I need to work to secure the bag and worry later what people will sa

Creativity the new language millennials understand. I can't believe how far we've come as a country I can't begin to even talk about how far we've come as the world, it's been an amazing journey with bumps and hiccups here and there but with us not stopping at all. I mean how could you stop if the train is up and running? Millennials have introduced so many new things, we've taken it upon ourselves to also redefine things we feel are holding us back, things we feel are not doing justice to us. We also have done the unimaginable we've introduced new careers and have made careers out of our hobbies. I mean just like the saying goes 'do what you love until what you love pays you' we've done exactly that and I must say we are headed for the stars because even those leading us are doing an exceptional job. Mncedi Koboka Founder of an environmental organization, life coach, facilitator, radio host, model, Thuli Madonsela foundation ambassad

             Source Malabela Photography Huuu! *I had to take a deep breath and relax*. The modern women and her modern rules find us questioning some of the things we settle for. She makes us wonder if at times we make the correct decisions or not. We live within the 21st century, with life evolving every single day and "new" rules created. We have witnessed women going through unimaginable things; from gender based violence (which is now labeled a visible pandemic), to learning how to adapt to submitting not only to their partners, men at their work place, male friends but men as a whole and finally women getting into marriages and still having to prove that they are "wife material". All of this has forced women to being these beasts that live to prove, defend and protect themselves. I don't know how we got to this point but this is a pandemic on its own. Women are supposed to be for women (isn't that the right logic?) We are supposed to have e