MY FI­NAN­CIAL life

Destiny - - Advertorial -

MY NAME IS…

Re­filoe Nto­beng (29).

I WORK AS A…

busi­ness preser­va­tion con­sul­tant within the fi­nan­cial ser­vices in­dus­try.

I’M A…

dreamer, a vi­sion­ary and a mother of two daugh­ters.

MY TOP THREE EX­PENSES EV­ERY MONTH ARE…

school fees, rent and my car in­stal­ment.

CUR­RENTLY, I’M SPEND­ING MONEY ON…

de­vel­op­ing my­self fur­ther pro­fes­sion­ally be­cause I perceive my­self as an in­come-gen­er­at­ing as­set. I want to bet­ter pro­vide for my chil­dren later.

MY LIFE PLAN FOR THE NEXT FIVE YEARS IS…

to com­plete my in­ter­na­tional diploma in pro­fes­sional coach­ing so that I can es­tab­lish my own con­sult­ing firm to help com­pa­nies re­alise their profit mar­gins by coach­ing their sales force. I’d also like to cre­ate an or­gan­i­sa­tion which will fo­cus on com­bat­ing the ad­verse ef­fects of fa­ther­less­ness in South Africa by equip­ping sin­gle moth­ers with the skills and re­sources to raise se­cure and healthy chil­dren.

AS A BUSY, SIN­GLE MOTHER…

I do the best I can and I’ve come to be­lieve that my best is good enough. I love spend­ing qual­ity time with my chil­dren. How­ever, I don’t have ed­u­ca­tion poli­cies for them, nor do I save or in­vest for a rainy day. At the mo­ment, I’m in­vest­ing in my­self to im­prove my chil­dren’s fu­ture.

#REALLIFEADVICE FROM... CER­TI­FIED FI­NAN­CIAL PLAN­NER PALESA TLHOLOE

While Re­filoe’s tak­ing care of the ba­sics, it’s also im­por­tant to have a short-term sav­ings or an emer­gency fund, should any­thing un­ex­pected hap­pen.

Ed­u­ca­tion has one of the high­est in­fla­tion rates in South Africa. That’s why Re­filoe needs to start sav­ing for her chil­dren’s ed­u­ca­tion as soon as pos­si­ble, as it will al­low her to grow more funds over time.

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