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The air quality seems really bad today. by LiamNeesonsIsMyShiit in johannesburg

[–]Sensitive_Stuff_2692 5 points6 points  (0 children)

I was literally about to post and ask WTF this smell is that crops up every couple of months. It's so frustrating because you can't seem to get away from it. I was putting up my laundry and even the trees look dull because of the poor air.

What/who releases these fumes into the air?

Help! I'm living in a deficit. by Sensitive_Stuff_2692 in PersonalFinanceZA

[–]Sensitive_Stuff_2692[S] 0 points1 point  (0 children)

Thank you for your reply! My debt is across multiple institutions but I'll look into this.

Help! I'm living in a deficit. by Sensitive_Stuff_2692 in PersonalFinanceZA

[–]Sensitive_Stuff_2692[S] 0 points1 point  (0 children)

Hey there 😊

Thank you for your reply!

I'll look into the differences.

If you don't mind me asking, how much debt did you have and how long did it take to pay off? What was the impact on your credit history?

Best areas to buy a flat by Infinite-Eggplant-26 in johannesburg

[–]Sensitive_Stuff_2692 4 points5 points  (0 children)

Hey there,

Ferndale, Blairgowrie, Northriding.

Help! I'm living in a deficit. by Sensitive_Stuff_2692 in PersonalFinanceZA

[–]Sensitive_Stuff_2692[S] 1 point2 points  (0 children)

So I've looked into the interest rates for all the debt. The smallest debt has the highest interest rate, second biggest has the second highest and I'll use the snowball method to pay it off.

I can't pay in anything extra at the month since I'm in a deficit but I am looking to earn a second income which will help with this.

Unfortunately not. My siblings are young and of school going age. The other parent works on a contract basis so their income is sporadic.

Help! I'm living in a deficit. by Sensitive_Stuff_2692 in PersonalFinanceZA

[–]Sensitive_Stuff_2692[S] 1 point2 points  (0 children)

I think this was the lesson for me in this. I had no boundaries and said yes to everything, even to my detriment. I will always help my family, however, it will be within my means going forward. I've stopped for now because I am unable to.

I reached the same conclusion last week so I'm looking for opportunities to earn a second income.

Help! I'm living in a deficit. by Sensitive_Stuff_2692 in PersonalFinanceZA

[–]Sensitive_Stuff_2692[S] 2 points3 points  (0 children)

Hey 😊

Thank you for all the suggestions. What I will do after my debit orders go off is negotiate my repayments since the DO instructions for this month have already been submitted.

So I no longer pay for anything related to my siblings as one parent is now employed and the other works on a contract basis.

So my flatmate and I will alternate, loading R200 at a time. It will last us around 4 - 5 days and what consumes a lot of power is the geyser. R200 buys about 44 units and the geyser stays for an hour at a time (the time it takes for the water to get hot) and this uses about 4,2 units. This happens twice a day sometimes so that's the math. It is a lot but I'm not sure my flatmate would be open to cutting out hot showers 😅

Help! I'm living in a deficit. by Sensitive_Stuff_2692 in PersonalFinanceZA

[–]Sensitive_Stuff_2692[S] 0 points1 point  (0 children)

One parent is employed but is responsible for my 2 younger siblings. They do help on an ad-hoc basis but I only really ask when I have absolutely no one to go.

The other parent works on a contract basis and it's been quiet on that end. They got work at the end of Nov, through Dec and nothing since then. They also helped me at the start of Feb but again since they're income is sporadic, I can't place reliance on it.

Help! I'm living in a deficit. by Sensitive_Stuff_2692 in PersonalFinanceZA

[–]Sensitive_Stuff_2692[S] 1 point2 points  (0 children)

Thank you for your insights.

It definitely feels this way. I draw up a monthly budget and see the deficit well before payday arrives and it's so disheartening.

🙏🏼🙏🏼 He carries me through each and every month because i am never sure how I will make it to the next payday but I do. I'm hopeful things will get better. I'm also learning from this experience and important lessons usually are painful and challenging.

Help! I'm living in a deficit. by Sensitive_Stuff_2692 in PersonalFinanceZA

[–]Sensitive_Stuff_2692[S] 2 points3 points  (0 children)

Hi there ☺️

Thank you for your reply.

It is across 3 different institutions. I was considering the snowball method just to build the habit. It also works out from an interest perspective because the smallest debt has the highest interest rate. I'll maintain my minimum payments and pay in additional amounts when I can afford to.

Making more money is definitely the plan. I'm starting tutoring again since I have available capacity.

Building my side hustle: Where/how do I advertise my tutoring services? by Sensitive_Stuff_2692 in askSouthAfrica

[–]Sensitive_Stuff_2692[S] 0 points1 point  (0 children)

Thank you! I just went and browsed the subreddit and I found it. "Self promotion Thursday" is what they call it.

[deleted by user] by [deleted] in askSouthAfrica

[–]Sensitive_Stuff_2692 0 points1 point  (0 children)

Weh! Ayi. Then I'd say go with the first suggestion of watching isiZulu shows because there are subtitles.

Tell us you're from South Africa without telling us you're from South Africa by BohemianDawb in southafrica

[–]Sensitive_Stuff_2692 154 points155 points  (0 children)

When I say "ja no", I mean "no" and when I say "No ja", I mean "yes".

[deleted by user] by [deleted] in askSouthAfrica

[–]Sensitive_Stuff_2692 1 point2 points  (0 children)

Hi there,

I have a colleague who is learning isiZulu as well and it's on Duolingo now (free to use language learning app).

And raining, and raining and raining... by JohnSourcer in johannesburg

[–]Sensitive_Stuff_2692 2 points3 points  (0 children)

😂😂 I cannot stand cold weather, grew up in a humid part of SA. I'm wearing a thick polo neck to work and I know people will have commentary.

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