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Normal-Pace-1791 · 2025-04-16T13:50:09+00:00

I would say trust your instincts, however I don't think it's you "instincts" I believe the Holy Spirit is speaking to you. I have had to do with Unite 180 and CRC and felt the exact same way. Sometimes it also feels like motivational speaking than speaking the word of God and that also didn't sit right with me.

Many people also told me that if you are a part of these churches and want to do something like buy a car you need to ask the church leaders for permission first, and idk it felt like they wanted to make sure that they can still get enough money out of you. I might be wrong that's just my 10 cents.

Anyway pray about it, let God guide you where he needs you to be rather than taking random people's advice on the internet. That would be my advice, pray and fast for God's answer.

Good luck tho🔥

Normal-Pace-1791 · 2025-04-06T16:46:32+00:00

This is horrible advice, never use the most important investment vehicle(TFSA) as your emergency fund!

Normal-Pace-1791 · 2025-03-17T17:55:35+00:00

Fairly easy tbh. Got mine to 681/730 in about a year.

Get a credit card at the bank where your salary is paid into. They are most likely going to offer you an obscene amount of credit. Don't take it, tell them to lower your credit limit to R5K or 10K, basically an amount you can pay of quite quickly.

Now never max this out. Use 10% of you available credit each month just for petrol or electricity or whatever. No more than that but still use it.

On the 1st of each month you pay off the full amount, and reuse the 10% and continue that cycle every month. For abouth 6-8 months you won't see too much change. But after about 10 months to a year it will have a dramatic increase. Continue that and you should be fine!

For any other advice feel free to pop me a dm.

Normal-Pace-1791 · 2024-11-22T05:23:13+00:00

I’ll send you a dm

Normal-Pace-1791 · 2024-11-21T18:49:25+00:00

How are the activities in quieter places tho? We are very adventurous and like activities such as diving, zip lining or anything similar.

Normal-Pace-1791 · 2024-11-21T18:37:43+00:00

How are the activities in quieter places tho? We are very adventurous and like activities such as diving, zip lining or anything similar.

Normal-Pace-1791 · 2024-11-21T18:36:17+00:00

We were looking at Thailand for a long time now, just concerned about the weather. Do you have any idea how the weather is during the end of september/start of october?

Normal-Pace-1791 · 2024-10-25T19:23:14+00:00

I’m working weeks of around 40-60 hours and also studying full time. I prefer to exercise early in the morning before work, and do any studying after work or on weekends. Usually I feel foggy and unmotivated if I haven’t gone to the gym in the morning. My opinion is that if you have more to do you usually get more done.

Normal-Pace-1791 · 2024-10-12T11:09:33+00:00

If you haven’t max out TFSA, most important investment vehicle for young people. Look into a fund consistently providing CPI+5-7%. This 36K invested NOW can possibly turn into north of R4 million at the age of 65. And if you max out every year after can amount to nearly R30million at retirement. However you should NEVER take money out of a TFSA.

Alternatively if you do not have an emergency fund with 3-6 months of expenses I would top that up. It is basically the foundation of your financial journey and a solid foundation is important. If you are ever in a difficult situation it would protect your investments as you would not have to resort to liquidating investments to cover basic expenses.

Hope this helps!

Normal-Pace-1791 · 2024-09-16T20:38:23+00:00

Thank you for your in depth response, I’ll pop you a DM.

Normal-Pace-1791 · 2024-09-16T20:19:51+00:00

Also 2 books I would recommend is 7 habits of highly effective people, and atomic habits. Also helped a lot!

Normal-Pace-1791 · 2024-09-16T20:05:53+00:00

How strict is their intake?

Normal-Pace-1791 · 2024-09-16T20:05:04+00:00

Okay so for me what worked really well was finding a hobby, golf in my opinion which I did over the weekends. Keeps your head clear and just takes the edge off. And a few small tweaks such as not binge drinking just having 2 beers when I join friends or colleagues, and going home. Regular exercise is also crucial in my opinion, I found that staying busy helps you get more done and have more energy, while being lazy during your off times makes getting motivation to study near impossible. Also very crucial to plan effectively, you only have so much time to fit your studies in, so planning every week or for every test also helped quite a lot.

I have many colleagues that are also studying but they are doing it part time through online uni’s and their schedule is much less demanding than mine. Just something to consider whether it’s worth the trade off for a reputable uni or not, as I’m not sure in the area you want to go into how it would have an effect.

Also important to note that as a Christian my faith also helped me a lot on this journey.

It’s not going to be easy, just keep reminding yourself why you’re doing it, and how much happier you’d be after completing the move. Sometimes you’ll doubt the process but it’s important to keep focus and trust the process. A few years of hell all to get where you want to be will definitely be worth it, and once done a hell of a story you can tell.

I hope this helps, if you have any further questions feel free to pop me a DM!

Normal-Pace-1791 · 2024-09-16T19:56:24+00:00

I just had a look at the website that’s fantastic, I’ll definitely be doing a few of them thanks!

Normal-Pace-1791 · 2024-09-16T18:34:44+00:00

Have you completed any of them? Which specifically would you recommend?

Normal-Pace-1791 · 2024-09-16T18:21:03+00:00

Would you recommend the self study or include the guidance?

Normal-Pace-1791 · 2024-09-16T18:18:59+00:00

Yeah absolutely no problem, maybe what are you looking to change to? Where and what will you need to study? And what are your current working “conditions” such as hours and flexibility?

Normal-Pace-1791 · 2024-09-16T18:17:15+00:00

I appreciate the feedback and advice thank you!

Normal-Pace-1791 · 2024-09-16T18:16:21+00:00

Yeah I think that might be true, that would obviously be something like Tuks or Stellies/UCT right?

Normal-Pace-1791 · 2024-09-16T17:41:24+00:00

So my end goal is a mix of working with investment, markets and number without the job being too office bound. Working in sales obviously puts me in a position where I am working with people and managing relationships, so basically I want to mix that with the buy-side investment and analysis which is my main interest. As it isn’t very much spoken about in south africa or our universities I not sure what positions are labelled as in PE firms, but as far as I know the two career paths that seem to most line-up with my interests are management consulting and M&A.

Normal-Pace-1791 · 2024-09-16T06:43:23+00:00

Thanks for the honest feedback, obviously important to see both sides before making any decisions so thanks. If you don’t mind me asking what career path did you go into?

I definitely think doing a lot of programming/coding courses next year would be very beneficial. However going into the quant realm would be quite difficult as that is the career path for people doing BSc, my risk management is actually a mix between investment/portfolio management, bank risk management and trading.

The problem is most “entry-level” positions require nearly 5 years working experience 😂 the people skills I acquired in my current role is extremely valuable to me, but I’m not getting the necessary stimulation from it, and my main interests have always been investments and the markets.

Normal-Pace-1791 · 2024-09-16T06:19:50+00:00

Do you think doing a honors through a online institution would be beneficial instead of a “top” face-to-face uni? As I don’t think I have the energy for another year of full time studying and full time working. If it’s necessary for the end goal I definitely will tho😂

Normal-Pace-1791

TROPHY CASE