Confidently Unbroke

#32 Clicks has increased its stake in The ARC Store to 61% - a major move in South Africa’s prestige beauty market. In this episode of Confidently Unbroke, Joy unpacks why Clicks made the investment, what it means for beauty retail and loyalty programs, and how the rise of A-Beauty could create opportunities for local brands and entrepreneurs. From changing consumer habits and competition to local production and the wider beauty supply chain, Joy connects the headlines to what shoppers, founders, investors, and creators should be watching.

IN THIS EPISODE YOU'LL LEARN: 

✅️  A major retailer’s investment can signal where it sees future growth.

✅️  Loyalty programs and customer spending can influence acquisition decisions.

✅️  Self-care trends and social media have helped reshape beauty shopping.

✅️  Local beauty brands can create value across a broad supply chain - from formulation to retail.

✅️  Growing interest in A-Beauty may open opportunities for entrepreneurs, investors, and creators.

✅️  Following who owns and invests in a business can reveal broader industry trends.

📚 CHAPTERS:

00:00 Introduction
01:29  The new segment
03:26 The ARC Store: its origins, stores, and beauty brands
07:45 Clicks’ increased stake and the deal’s value
12:03 Why Clicks wanted more of the ARC store
14:27  Loyalty programs and competition for beauty shoppers
16:05 Social Break
17:15  A-Beauty and the African beauty market
19:36 We Are Egg and the growth of beauty retail
23:22 Local supply chains and the future of South African beauty

MENTIONED: 

• https://africansalescompany.co.za/ 
• https://www.news24.com/life/archive/the-a-beauty-genre-cant-credit-a-single-african-culture-or-brand-but-we-can-thank-its-foremothers-20210611-4 
• https://www.moneyweb.co.za/news/companies-and-deals/clicks-takes-majority-stake-in-arc-store-for-r507m/ 
• https://businesstech.co.za/news/trending/877138/clicks-takes-control-of-another-retailer-in-south-africa-in-r500-million-deal/ 

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DISCLAIMER: 

None of the products and services mentioned during this episode are sponsored. This content is for educational purposes only and does not constitute personal financial advice. Please consult a licensed financial advisor for advice tailored to your circumstances. 

#31 October is a powerful time to start planning for 2027 — not only your finances, but also your time, commitments, health, career, studies, and personal goals. In this episode of Confidently Unbroke, Joy shares why getting ahead now can help you enter the new year with more clarity and fewer last-minute scrambles. Your calendar is more than a list of dates: it can be a blueprint for how you use your money, energy, and time. Joy walks through how to think about your personal and career calendars together, and how to account for the real-life details that shape a year— from holidays, family events, medical appointments, and car servicing to lease dates, study applications, and job opportunities.

You’ll learn how to use those plans to build a realistic financial picture for 2027, anticipate upcoming costs, and make thoughtful decisions about what to say yes or no to. You’ll also explore the non-financial side of planning: protecting your time, making space for rest and relationships, setting priorities, and reducing the mental load on your future self.

IN THIS EPISODE YOU'LL LEARN: 

✅️  How to start mapping your financial and non-financial plans for 2027

✅️  Why your personal, family, work, or academic calendars need to work together

✅️  How everyday commitments and events can affect your budget and cash flow

✅️  Why staying in “cruise mode” can lead to repeated habits and missed opportunities

✅️  How proactive planning can reduce stress, rush costs, and last-minute decisions

✅️  Why October is a timely month to check study deadlines, job applications, and other opportunities

✅️  How to start small and give yourself grace while building a planning routine

Joy shares lessons from her own experience balancing work and personal goals. This isn’t about becoming “Miss Calendar” or planning every detail perfectly. It’s about taking manageable steps now so you can make more intentional choices—and give your future self one less thing to worry about. 

📚 CHAPTERS:

00:00 Introduction
04:02  What you’ll learn: calendars, costs, and getting ahead 
05:00 Personal and career calendars—and whose plans they include 
09:22  Making room for social, personal, and medical appointments 
12:13    Life admin: housing, leases, jobs, and car maintenance 
14:06  The real financial cost of what’s on your calendar  
18:27   Social Break
19:24   Why cruise mode can cost you time, money, and options
26:29  The benefits of being proactive and building sustainable systems 
27:55   Why October matters for study & job applications, and planning ahead  
34:56  Questions to ask about your calendar—and giving yourself grace 

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THE HOST:

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TikTok: @joymashatola

👉🏾 Hit the subscribe button and leave a ⭐️⭐️⭐️⭐️⭐️ review on Apple Podcasts & Spotify. 

DISCLAIMER: 

None of the products and services mentioned during this episode are sponsored. This content is for educational purposes only and does not constitute personal financial advice. Please consult a licensed financial advisor for advice tailored to your circumstances. 

#30 What happens to your money, career, and future when your partner’s sports career takes center stage? In this episode of Confidently Unbroke, Joy explores the financial realities of being a WAG—from constant relocation and career sacrifices to taxes, visas, image rights, lifestyle creep, and planning for life after the pitch. Using examples from famous WAGs and real-life situations, she unpacks the questions every partner should ask: What happens if the contract ends, an injury forces retirement, divorce occurs, or the unexpected happens? The central lesson is clear: supporting someone else’s career should never mean abandoning your own financial security.

IN THIS EPISODE YOU'LL LEARN: 

✅️  Build your own financial and career plan instead of relying entirely on your partner’s income. 

✅️  Prepare for career-ending injuries, retirement, divorce, and unexpected loss 

✅️  Avoid lifestyle creep and treat high earnings as money that must last. 

✅️  Understand the tax, visa, contract, and image-rights implications of international sports careers. 

✅️  Seek qualified financial advice and learn from people who have already navigated life after professional sports. 

CHAPTERS:

00:00 Introduction: The financial side of WAG life

02:52 What is a WAG? History and cultural impact
07:34 The realities of constant moving and career sacrifice
15:08 The WAG blueprint: Building your own opportunities
18:40 Ad break
22:22 Contracts, visas, image rights, and tax considerations
30:56 Life after the pitch: Planning for the future

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THE HOST:

Instagram: @joymashatola

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👉🏾 Hit the subscribe button and leave a ⭐️⭐️⭐️⭐️⭐️ review on Apple Podcasts & Spotify. 

DISCLAIMER: 

None of the products and services mentioned during this episode are sponsored. This content is for educational purposes only and does not constitute personal financial advice. Please consult a licensed financial advisor for advice tailored to your circumstances. 

#29 Most people are completely unprepared for what happens after someone dies — and that lack of knowledge can turn grief into chaos fast. This episode breaks down the funeral process, funeral cover, wills, estate planning, and the family decisions that can make or break the entire experience. Joy gets real about the questions nobody teaches you to ask: What documents are needed? Who do you call first? What happens if someone dies at home versus in hospital? Why do some burials get delayed by weather, cemetery rules, or paperwork? And how do you plan a funeral without getting buried in stress, confusion, or family drama? 

IN THIS EPISODE YOU'LL LEARN: 

✅️ The exact moving parts involved in planning a funeral, including the undertaker, death certificate, mortuary, burial spot, venue, and funeral program

✅️ Why funeral cover matters, how it works, and why you should be careful who has access to an ID number

✅️ Why frozen accounts can leave families stranded

✅️ How to navigate family discussions, avoid unnecessary conflict, and choose the right people for speaking roles, pall bearing, and key decisions

✅️ Why funeral etiquette matters more than people think, from dress code to timing to what should never be said at a funeral or memorial service

✅️ How music, hymns, and a thoughtful funeral playlist can change the emotional tone of the day

If you’ve ever felt lost about what to do when the time comes, this conversation gives you the practical knowledge and emotional context you wish you had sooner. Essential listening if you want to protect your family from confusion, costly mistakes, and avoidable drama when life gets real.

CHAPTERS:

00:00 Intro - Why Funeral Planning Matters

03:35 What You’ll Learn in This Episode

05:04 The Essential Steps in Planning a Funeral

13:51 Funeral Cover and Protecting Your Family Financially

19:24 Wills, Estate Plans, and Frozen Accounts

28:17 Having Important Family Discussions

33:36 Creating the Funeral Program and Managing Time

37:25 Funeral Etiquette and Choosing the Right Participants

43:11 Family Drama, Grief, and Death as Part of Life

49:26 Funeral Music, Burial, and Final Reflections

MENTIONED: 

• South African National Wills Week: https://www.lssa.org.za/our-initiatives/advocacy/national-wills-week/

• Sanlam Legacy 2026 Survey: https://www.sanlamonline.co.za/knowledge-hub/sanlam-legacy-2026-survey-south-africans-wills

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THE HOST:

Instagram: @joymashatola
TikTok: @joymashatola

👉🏾 Hit the subscribe button and leave a ⭐️⭐️⭐️⭐️⭐️ review on Apple Podcasts & Spotify. 

DISCLAIMER: 

None of the products and services mentioned during this episode are sponsored. This content is for educational purposes only and does not constitute personal financial advice. Please consult a licensed financial advisor for advice tailored to your circumstances.

Why is this election in the same league as the 1994 Elections? What if voting for a political party/ independent person was the same as you voting for them purely based on their behaviour or if you had to be in a relationship with them? Any first-time voters in the house? No worries, Joy has some tips just for you. Get your snacks as Joy gets candid about her thoughts when it comes to this election. Welcome to the podcast party, not the political party!

Chapters
00:00 Introduction

05:57 Why this election is in the same league as the 1994 elections

09:10 Tips for new voters

15:22 Who do I vote for?

23:38 Your future, your kids and your grandkids

Instagram: https://www.instagram.com/burstboxpod
Youtube:https://www.youtube.com/@burstboxpod

 Resources mentioned: 

• SA-Scenarios-2030.pdf (indlulamithi.org.za)
• IEC 3 Ballots Factsheet.pdf (elections.org.za)
•  Voter education - Electoral Commission of South Africa (elections.org.za)

If you enjoyed this episode, please leave a review, and share it with a friend. Thank you for your support. 

🎙Available on Apple Podcasts, Spotify & Google Podcasts

 #burstboxpod #SouthAfricanElections #2024Elections

It's been a year since I decided to click on that add to cart, bought the equipment and the software and FINALLY started. I thought... let me be honest about what really went down behind the scenes, what learned about myself and starting a podcast. If you're thinking about starting one or if you've listened to it and wondered why the mic has been muted at times, then this episode is for you. Also, will I continue with this podcast...?

If you enjoyed this episode, please leave a review, and share it with a friend. Thank you for your support. 

Instagram: https://www.instagram.com/burstboxpod

YouTube: https://www.youtube.com/@burstboxpod  
 
🎙Available on Apple Podcasts, Spotify & Google Podcasts
 

Download your free copy of the Podcast Sessions Magazine: https://mailchi.mp/thepodsessions/june-issue-10

#burstboxpod #Podcastingforbeginners  #startingapodcast #reflection

Joy chats about the Genesis of it all,  what Vannie Kaap did for the culture, how it mastered the digital streets like a boss, a mysterious founder and then the shocking news on its Instagram? Say WHAT!?! Or is there something bigger coming our way....?  


If you enjoyed this episode, please leave a review, and share it with a friend. Thank you for your support. 

Instagram: https://www.instagram.com/burstboxpod

YouTube: https://www.youtube.com/@burstboxpod  
 
🎙Available on Apple Podcasts, Spotify & Google Podcasts
 

Download your free copy of the Podcast Sessions Magazine: https://mailchi.mp/thepodsessions/june-issue-10

#burstboxpod #VannieKaap #Coloured24/7

We WON! But, what’s with some South Africans being All Black supporters?  What does the Springbok brand represent? What’s the financial game plan when the Springboks hang up their boots? Joy also chats about the 1-point impact, 3 lessons when it comes to Cheslin Kolbe and when life forces you to take a sinbin... 

If you enjoyed this episode, please leave a review, and share it with a friend. Thank you for your support. 

Instagram: https://www.instagram.com/burstboxpod

YouTube: https://www.youtube.com/@burstboxpod  
 
🎙Available on Apple Podcasts, Spotify & Google Podcasts
 

Download your free copy of the Podcast Sessions Magazine: https://mailchi.mp/thepodsessions/june-issue-10

#burstboxpod #Springboks #RWC2023 #SouthAfrica #Springbokfans 

With less than 3 months left of 2023, now is not the time to give up. In this episode Joy gets candid about spring cleaning money goals, getting ready for the Festive season, January not being too long and how to push the reset button when it comes to your finances.  

In this episode, she’ll chat about:

• Looking at your calendar
• How Dips & Highs can make you overspend
• Reflecting on 2023
• Teaching the lessons that you learned
• Plan for 2024: especially the first quarter
• 3 Traps
• Watching what you consume

Instagram: https://www.instagram.com/burstboxpod

YouTube: https://www.youtube.com/@burstboxpod  
 
🎙Available on Apple Podcasts, Spotify & Google Podcasts
 
If you enjoyed this episode, please leave a review, and share it with a friend. Thank you for your support. 

 
Download your free copy of the Podcast Sessions Magazine: https://mailchi.mp/thepodsessions/june-issue-10

#burstboxpod #moneygoals #financialgoals

Join Joy where she gives you a breakdown of what the BRICS Youth Council is, why we as the South African youth need to know about this, what it means for us, our futures and why the 2024 Elections are more important than 1994. 

This episode is part of the BRICS Summit Series, as explained by a young, South African. She is simply curious about what this means for young South Africans and how it will impact the Amapiano Generation as they get older.

Resources📚

 ·https://data.unicef.org/how-many/how-many-children-under-18-are-there-in-brazil/

·https://www.un.org/development/desa/pd/sites/www.un.org.development.desa.pd/files/wpp2022_summary_of_results.pdf

·https://www.iol.co.za/mercury/news/brics-youth-summit-call-for-young-people-to-share-their-views-be77e174-6509-4f9f-9ea2-4ddb9e5d396d   

·https://www.iol.co.za/news/politics/sas-nyda-chair-asanda-luwaca-calls-for-brics-youth-council-to-be-established-31d77e7a-4894-4dd5-885c-918e917e459b

·https://www.nyda.gov.za/Chairperson's-Corner.html 

Instagram: https://www.instagram.com/burstboxpod

YouTube: https://www.youtube.com/@burstboxpod  
 
🎙Available on Apple Podcasts, Spotify & Google Podcasts
 
If you enjoyed this episode, please leave a review, and share it with a friend. Thank you for your support. 

 
Download your free copy of the Podcast Sessions Magazine: https://mailchi.mp/thepodsessions/june-issue-10

#burstboxpod #BRICS #BRICSSummit #BRICSYouthCouncil