Debt-to-income ratio
Download Your Debt-to-income ratio calculator below👇🏿👇🏿👇🏿 Debt-to-income ratio calculator The debt-to-income (DTI) ratio is an impor...
Mapalo is a Published Author of the bestselling book “You’re Not Broke, You’re Pre-Rich” (Published by Penguin Random House SA). She is an award-winning personal finance coach, Speaker, the founder of Woman & Finance, and a personal finance columnist.
She has a strong passion for working with professionals and entrepreneurs to help them gain confidence and clarity about their finances.
Download Your Debt-to-income ratio calculator below👇🏿👇🏿👇🏿 Debt-to-income ratio calculator The debt-to-income (DTI) ratio is an impor...
Paying off debts requires a systematic and disciplined approach and I hope this table will help you get started on your road to a debt-free life. DOWN...
Financial coaching is a personal and transformative process designed to help individuals navigate the complexities of their financial lives. Unlike tr...
Part 2: Direction, Drive and Differentiation By Isabella Mnisi, Sector Head for Asset Management and Funds and Tarryn Lyall, Client Strategist for Glo...
Part 1: The power of intentional mentorship and community By Isabella Mnisi, Sector Head for Asset Management and Funds and Tarryn Lyall, Client Strat...
Mindset plays a crucial role in achieving financial goals as it directly impacts your attitudes, beliefs, and behaviors towards money and wealth. Here...
PLEASE NOTE THAT THE EVENT IS SOLD OUT!!!! Join us for an empowering event, Women And Money, hosted by the renowned personal finance expert, Mapalo Ma...
Here are some simple steps that can help you save money: 1. Create a budget: The first step towards saving is to create a budget that tracks your inco...
I recently uploaded a video titled ‘A year of sacrifice can make ALL the difference’ (check it out here). Oftentimes when people...
I often get questions about which investment vehicle is the best to start investing in as a beginner or if you want to invest for your kid’s educati...
What is a side hustle? It is a passion business you run in your free time whilst still holding down your normal job that pays you an income. The idea ...
You have been browsing property websites for months now, looking for your ideal house and you cannot wait to finally get your hands on the keys to bec...
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...
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...
Get to know each other’s money personality and work towards a desired outcome for your finances together. SHARE YOUR MONEY STORIES Discuss these...
Why is it so difficult to have uncomfortable conversations with our partners, especially around money? In this podcast; I enlist the help of Dr Ingri...
Savings are essential for a healthy financial life. Start small and build towards your goals. Title: How to save money every month When I started work...
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 forge...
In this year’s City Press Money Makeover competition one noticeable quality is that the candidates are actively including not only their spouses in ...
The world is changing. The traditional jobs that required us to go to the office from 8am-5pm are rapidly changing. With more people exploring their t...
For Savings Month and Women’s Month, I partnered with Game to collect and answer some of your pressing personal finance questions. We shot 3 videos ...
South Africa. Buy and enjoy your morning coffee by going for Big Financial Wins! SHOW LESS...
Starting a family is a big milestone, it brings excitement and a bit of anxiety at the same time. Unfortunately for women, starting a family does carr...
Starting a family is a big milestone, it brings excitement and a bit of anxiety at the same time. Unfortunately for women, starting a family does carr...
For Savings Month and Women’s Month, I partnered with Game to collect and answer some of your pressing personal finance questions. We shot 3 videos ...
Hey Tribe, What a year this has been so far! With all the hope we had of 20plenty it seems like covid19 has put a damper on things. We had all written...
Let me ask you some questions: do you know what your net worth will be in 5 years time? Do you know how much you will need to survive on if you lost y...
Hi Tribe! In this second podcast which I did in partnership with Brad Toerien, former CEO of FMI and Tony van Niekerk, editor of Cover Magazine we dis...
Hi Tribe! I’ve partnered with FMI and Cover Magazine on a podcast series aimed at highlighting the importance of income protection – prote...
In light of all that’s happening globally and here at home with the coronavirus pandemic, our finances have really been put to the test. I think the...
DOWNLOAD YOUR FREE DEBT REPAYMENT PLAN: snowball method Life happens! And this could not be more evident than now with the coronavirus crisis. Getting...
Hi Tribe, These are some of the resources I am using for myself and our son during social distancing (please note, these are resources I downloaded an...
Every year before I got serious with my finances, I would tell myself, ‘this is the year I stick to my budget’, then a friend would call me to go ...
Our relationship with money can be a complex one, now add love to the mix and lack of communication, it could be a recipe for financial disaster. That...
It’s only the first few weeks of the New Year but for many, it feels like they never went on a break. We lead busy and stressful lives, but to stay ...
Personal finance is all about finding the best way to make your money work for you. And one of the cornerstones of personal finance is budgeting. Rega...
The New Year is always filled with hope and the possibility of our circumstances changing for the better, especially our finances. While there are man...
With the wedding season upon us, the one question I often get from couples is: how do we manage our money now that we live together? And the second mo...
The dynamics of the traditional family unit are changing worldwide; more and more households are being headed by women and South Africa is no except...
I recently had a coaching session with a woman who is going through a divorce, she had reached out to me because she was expecting a cash windfall fro...
Financial independence for women is not a luxury, but a necessity. Instead of being intimidated by managing money, women should feel empowered to take...
Hi Tribe, Last week Friday, I did a one-on-one coaching with a very money savvy lady who just needed a bit of direction in terms of the different inve...
It’s important to understand which RA will suit your lifestyle A retirement annuity (RA) is a pension plan designed for individuals to build up and ...
Having kids can be an amazing and fulfilling experience, but believe me, it comes with a lot more than just the beautiful nursery and the cute clothes...
If you battle with budgeting, you are probably thinking: “ I’ve tried budgeting, it just doesn’t seem to work!” To tell you the truth, I have ...
Part of a sound financial plan must include an emergency fund, because without it, your financial plan can be derailed should an emergency arise. An e...
Last week, I did a radio interview on how to deal with financially abusive relationships, and I realized that a majority of people get into relationsh...
Missed our previous podcasts? Take a listen below, I have included the most listed to podcasts from the previous weeks. Why it takes forever to...
Black Tax: When a young person shares their income not only with their immediate family but with extended family as well, this means that they financi...
I often chuckle at headlines like ‘self-made multimillionaire’ because there aren’t really ‘self-made’ millionaires or billionaires. Sure,...
My journey as an entrepreneur started about 2 and a half years ago, after having worked for an employee benefits company for almost 5 years! I had alw...
The old way of thinking about retirement is becoming less and less attractive to the younger generation. It used to be that you work for one or...
To Celebrate International Women’s day, I talked to Kirshni Totaram, Global Head of Institutional Business at Coronation and boy is she a powerhouse...
Whether you want to start saving, investing or to pay off debt, it might seem impossible with your budget. Well, that’s what most people feel when a...
Much has been written about Tax-Free Savings Accounts (TFSA) since they launched but in light of the tax year coming to an end, it is always good to r...
Hi Tribe So, the Personal Finance Mastery workshop is around the corner and I just wanted to give you some insight into what to expect on the day. I a...
There is a world of options when it comes to investing. Even a small amount can go far. Stick with it and it will work. One of the most frequent quest...
This year, I will be giving away more downloadable resources to help you on your financial journey. My whole aim is that each and every one of the Tri...
Hey Tribe, Happy New Year again Tribe, To kick off the year, herewith a downloadable Budget Template. Share it with your family and friends. Do...
Hi Tribe, As promised, herewith a downloadable Will template in word form for you to edit as you wish. If you are not sure of how to complete it, plea...
Hi Tribe, all the time you hear me say educate yourself, educate yourself right? I believe that if you want to become good at something, you have to s...
Hi Tribe, So in late August, I had the tv on, getting ready to go to church, an advert came on about Impact Farming. I had heard the advert on radio b...
Black Friday is around the corner (23rd November), here are my 5 quick tips on how to prepare for the shopping frenzy! ...
Hey Tribe, As I mentioned on Instagram (@womanandfinance) earlier this week; I wanna try something new here on the Woman & Finance website, I want...
According to annual BEE.conomics Transformation in SA Asset Management Survey published by 27four Investment Managers, there are currently 48 black as...
George Soros once said, “If investing is entertaining, if you’re having fun, you’re probably not making any money. Good investing...
Gugu is a Senior Anchor on CNBC Africa and Presenter of Kaya FM’s prime time business show, Kaya Bizz. Gugulethu also serves as a Conference Chair, ...
Buying property is probably the one of the most financially significant purchases you will make – it is therefore worthwhile to do your research and...
That time of the year again; the tax season is officially in full swing. For those who don’t know exactly when it runs, this year it started fr...
In the investment world, there are some things that hold truth whether you are a new investor or a seasoned investor. Here are 5 Keys to successful in...
Hi Tribe, Today I want to talk a little bit about marriage and your finances. This topic is inspired by the fact that 3 of my friends will soon be wal...
Happy Tuesday Tribe, This blog post is almost two months overdue! My intention is to write a blog reflecting on every quarter of the year. For me it i...
I am always trying to find ways to stick to my budget and if you have read some of my previous posts, you will know by now my downfalls are eat...
In my podcasts, I normally ask the person I am interviewing this question: “growing up, what did you hear about money”? I ask this questio...
The year is well under way, the first quarter of the year is done and dusted just like that!!! I hope you have achieved most of your goals for the fir...
Hi Tribe, I read a lot of books on personal development and personal finance, and recently I have started reading a few books on artificial intelligen...
An easy to read infographic on How to manage money together as a couple. We all know that talking about money can be a challenging topic, especially i...
“Let us never negotiate out of fear but let us never fear to negotiate.” -John F. Kennedy So let’s say you are accepting a new job o...
Money Bootcamp: Know the speakers Only a few days before the Money Bootcamp, woohooo!!! It promises to be the life-changing money class your never too...
1. Request a free credit report If you ever need to access credit, hopefully for good debt, i.e. to buy Property, a student loan or to fund your grow...
Hey Tribe, here are some of my favourite TED Talks. I hope they inspire you to see money differently and your career differently. #financialinspo * cl...
4 Ways to be more frugal and still feel like you are living your #bestlife Automate your savings and investment The rich invest their money and...
There has been much talk around black tax and the negative effects it can have on one’s financial journey. Most people not only feel obliged but are...
Tribe, my hope for you this year is to be courageous in the decisions and actions you take in your finances to build real wealth. I always talk about ...
Happy New Year Tribe! The New Year is upon us! With that comes feelings of renewal, hope and many people set New Year’s resolutions to either ...
The festive season is fast approaching and with all the braais, cocktail lunches with the girls, travelling with family and the Christmas lunch, your ...
You have handed in your resignation, you are excited about you next move then HR hands you forms to complete on what you want to do with your Pension/...
Ever wondered what your money personality is? THE SPENDER The spender loves to make money and spend it. They convince themselves that they work too ha...
Hi Tribe! Financial Coaching is a relatively new concept in SA and perhaps you wonder what you would gain from a coaching session? Or how different it...
If you are an adult, you handle and make decisions about money on a regular basis. You should therefore know and be comfortable with a few fina...
Congratulations on becoming your own boss! While the benefits of being your own boss are evident, i.e. control of your own time, making your millions ...
This past weekend, I had the privilege of being one of the keynote speakers at the #Finance4Women event. My host, Likeleli Monyamane, a CA(SA) ...
Investing made simple – 5 tips In my workshops and speaking events, women always ask me: “how do I invest”, “which investment should I pursue...
1.Spend less than you make Guys, this is not rocket science. Spend less than you earn. How else can you really reach your financial goals if you have ...
1. Know yourself Knowing yourself can save you money! Yes it can. I see people breaking their bank just because they lack an understanding of t...
Link to purchase tickets: http://qkt.io/X26FYk Get Your Finances Right is a 2 hour workshop that will focus on the following areas of your personal f...
I do both my own and family’s tax returns (yes, they trust me like that) and every year without fail, I get some money from good old S...
Time to burst those myths! Myth 1. You need bucket loads of money to start I did an Instagram liv...
If you are expecting or considering having a baby, congratulations to you. It is a big milestone, scary and exciting at the same time. While no one ca...
Starting can be the hardest part about investing. With all the jargon and unlimited fund options available, it can be very intimidating. Let me help y...
What is an Exchange traded fund? Exchange Traded Funds or ETFs are listed investment products that track the performance of a group or “basket&#...
What is a unit trust? A Unit trust is a type of investment that makes it easy and affordable for the “man on the street” to invest in the financia...
I think it’s easier to waste money than to consciously be aware where our money is going. Being conscious of our money behaviours is much more diffi...
Every time you get a salary increase, whether through change of jobs, a promotion or through a performance appraisal, you have the opportunity to do s...
Some couples find it extremely hard to talk about money. The topic of money merely starts and ends at who pays which bills around the house…and that...
Alongside the New Year resolutions of losing weight and getting fit, saving money is right up there as well. So how can you make this year a financial...
The festive season is approaching fast upon us, whilst this means getting some well needed rest, spending time with family and friends and going on ho...
Woman&Finance #MoneyMonday tip Ladies, it’s time you took yourself out for a ‘money date’ Don’t we all just love to go out for...
With the tough economic climate, saving or investing money can be challenging, let alone saving for retirement – something that is seemingly cen...
Thinking you will only start saving when you have more money. When I was in varsity, I had a part-time job that paid me peanuts (as most jobs do when ...
Woman&Finance MoneyMonday tip The digital world has made it easy for us to connect and do business with people in places that would have otherwise...
We all want the best for our children and this means giving them a good education to ensure that they become both financially independent and fulfille...
Shares When you buy a share of a company, it means you buy a piece or ‘share’ of the company. Shares are sometimes referred to as stocks or equiti...
Well, your spending habits are sabotaging you! We’ve all been there, get paid today and half way through the month, dololo! Barely any money left in...
Woman&Finance Monday money tips Budget Automate your savings Create an emergency account Pay off debt with the highest interest first Start saving...
Saving is money set aside for future planned and unplanned (emergency fund) requirements; and the money must be easily accessible. For example, money ...
To some the word “investment” can be intimidating and something that is only accessible to the wealthy. And as such it can leave those apathetic, ...
In this world nothing can be said to be certain, except death and taxes. – Benjamin Franklin While the topic of death may not pleasant, you need to ...
Knowing your net worth is a powerful tool to assess: Whether you are on the right track with reaching your financial goals and building real we...
Marriage brings about a variety of rights and obligations for the parties involved and the manner in which one is married would cause the relationshi...
Tax season is in full swing and if you are anything like me, you convince yourself that you will submit your returns long before the cut-off date in O...
With the slow economic growth, rising interest rates and global downturn, no doubt, everyone is feeling the pinch. Especially those with debt. Debt, n...
What makes a tax-free savings account a good investment you ask? Besides the obvious benefits of investing i.e. to make your money work for you instea...
Retirement is sometimes seen as very far away for young people, but it creeps up on you suddenly and if you did not provide properly, retirement will ...
Congratulations, you’ve finally put away the 10% or 20% deposit required to purchase your first home. All those months of being frugal have finally ...
Ask anyone if they have taken a look at their Pension/Provident fund statement lately and the answer you will probably get is “NO”! And another li...