Confidently Unbroke

Fam, with last week’s interest rate hike, have you ever thought about how one can build a credit score in this economic climate? Why do you need a credit score? Which factors should one consider before applying for credit? Which signs serve as an indication of you not managing your credit well? Are there any pros & cons of using a clothing store account vs a credit card when building one’s credit score?

RESOURCES📚
•https://www.capitecbank.co.za/personal/credit/how-to-qualify-for-credit/

•https://www.nedbank.co.za/content/nedbank/desktop/gt/en/news/nedbank-blog/Financing-your-life-or-Borrowing/credit-card-vs-clothing-account.html

•https://www.transunion.co.za/client-support/faqs

•https://www.moneyweb.co.za/mymoney/moneyweb-personal-finance/credit-scores-how-and-why-you-should-keep-them-in-check/

•https://www.capitecbank.co.za/globalassets/pages/documents-library/financial-health/how-to-manage-credit-and-debt.pdf

•https://www.fnb.co.za/rates/LendingRates.html

Podcast Sessions Magazine
https://mailchi.mp/thepodsessions/june-issue-10

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#burstboxpod #CreditCards #ClothingAccounts #CreditScore 

Most people think that more money will solve all their problems, but that was clearly not the case for those on Mzansi Magic’s hit show “I blew it”. Fam, the way the people, who received millions of Rands, spent and lost all of it? Madness! Pure spending madness!

Join Joy where she chats about how they spent and lost all of it, spending habits (men vs women), the lessons learned from the show, how looking rich can cause a drought in your bank account and how what they’ve valued and deemed as success cost them in the end.

Mzansi Magic Official: https://www.youtube.com/@mzansimagic/featured

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#burstboxpod#IblewIt#MzansiMagicOfficial#BigSpenderBigSquanderer

Does your current job make you feel like you're always at irritation station ? Is the work that you do, bland & tasteless, not challenging you in any way ? Thinking of changing jobs?  Moving to a different division or even into a new industry?

All of us were born with gifts and talents. Your list of skills could land you your next opportunity. Join Joy where she chats about how you can identify transferable skills, unique skills you don’t know you have and where she thinks the implementation of the school curriculum went wrong.

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#burstboxpod#transferableskills#careerchange 

Fam, it’s more exciting and fun when you look back at your goals and you smashed them. On the other hand, I know you want to avoid it all together when you know that you're no way near reaching the first milestone, let alone reaching it. Trust me, I’m speaking from my own experience. Do we go back, after a few months, and review our New Year’s resolutions? What if progress didn’t come in the package, we expected it to come in? Would we still welcome it with open arms?  How important is it to have a vision and accountability partners? 

Join Joy where she chats about her views and experiences when it comes to reflecting on the first few months of 2023.

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 #burstboxpod #goalsetting #2023reset #futureself

What is deposit insurance? Do you really lose all your savings and fixed deposit amounts above R100 000 if a South African bank collapses? How many South African Banks have collapsed in the last 30 years? What happened with Silicon Valley Bank and what’s with all the fuss? 

Join Joy where she answers these questions and chats about other things that you should know about.

RESOURCES📚

•https://www.news24.com/fin24/companies/if-a-bank-fails-up-to-r100-000-in-your-account-will-be-guaranteed-as-part-of-new-scheme-20220525

•https://www.iol.co.za/personal-finance/opinion/deposit-insurance-creates-faith-in-sas-smaller-banks-766f69a2-ccc2-4f97-be18-bab6ac479f6e

•https://www.cfainstitute.org/en/advocacy/issues/systemic-risk#sort=%40pubbrowsedate%20descending

•https://businesstech.co.za/news/banking/231009/all-the-south-african-banks-that-have-failed-in-the-past-30-years/

•https://www.resbank.co.za/en/home/what-we-do/Deposit-insurance

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#burstboxpod #SouthAfricaBankFailures #DepositInsurance #SiliconValleyBank 

Talk about defending on the field and defending your inheritance. Join Joy where she chats about this play, why he transferred it to his mother, mommy’s boys and wealth protection. 

RESOURCES📚

•https://www.kaya959.co.za/news/psg-footballer-achraf-hakimi-leaves-ex-wife-with-nothing-in-divorce

•https://www.arabnews.com/node/2287321/offbeat

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#burstboxpod #AchrafHakimi #wealthprotection #Divorce

Guess who went to Ghana...Yes fam, it was me, myself and I. In this episode I’ll share my planning tips for a solo trip from South Africa to Ghana, my expectations, all things related to day tours, accommodation, flights and so much more.

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#burstboxpod #Ghana #Travel #SoloTrip 

Most of us saw on the news that South Africa got greylisted, but do we really know what this means? Who made this rule? Does this have an impact on the country, foreign investors and on us? What is the likelihood of us getting off the list? Is there some hypocrisy when it comes to being greylisted? Tune in to this week’s episode for the answers to these questions.

RESOURCES 📚

•https://www.kaya959.co.za/lineup/kaya-biz/south-africa-has-been-greylisted-by-the-financial-action-task-force/

•https://www.investec.com/en_za/focus/economy/its-official-south-africa-greylisted-.html

•https://www.fatf-gafi.org/en/home.html

 
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#burstboxpod #greylisted #SouthAfrica #FinancialActionTaskForce #FATF  

Have you ever ignored those bank statements, knowing well that it has a big overdue sign on it? Did you start emotionally eating because you were deep in your feels when you realised how you were spending your money? Guess what, Joy has been there too. Listen and watch as she shares how she dealt with it and her own personal finance journey.

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#burstboxpod #spendinghabits #personalfinance 

Have you ever wondered why you can’t shop for H&M products online? Well surprise, surprise!  You’ll be able to do so from Superbalist starting 22 Feb 2023. But why is this only happening now, in Feb 2023 and not earlier? Joy shares her answer to this question & the benefits of this partnership for both H&M South Africa and Superbalist. 

RESOURCES📚

•https://www.news24.com/fin24/companies/clothing-retailer-hm-to-launch-online-offering-on-superbalist-20230216

•https://career.hm.com/select-region/ 

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#burstboxpod #H&M #Superbalist #businessdevelopment #SouthAfrica