Phumzile Skosana 🙃
@PhumiSkosana
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Entrepreneur- Founder of Balleo Engineering - I stand with Small Business Owners. Underdog Supporter.
South Africa
Joined September 2016
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I'm neighbors with Dr Musa's parents & one thing about his dad, he has many great things to say about his wife & he will say them. Some of us have never seen our parents love each other out loud hence the confusion. We need to heal. 💙
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When I was 17, I worked in my dad's new paint shop during weekends.
First day of opening we didn't sell, second day we made R5, we sold 1 masking tape.
When I got home I told my mom that "this new business doesn't look like it's gonna work."
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One day your small business will pay all your bills, enable you to help others, and fund your dream lifestyle.
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My mom said "you don't know your dad, he's gonna make it work."
Many years later he has built & bought properties from that business.
I learned to appreciate humble beginnings. Start small, dream big.
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Two young professionals are earning the same amount of money:
One drives a R500k BMW with a R450k car loan but only has R1k in the bank; people think he's rich.
The other drives a R100k Polo with no car loan but has R500k in the bank (savings and investments); people think he's
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Don’t let those eating their harvest, pressure you into eating your seeds.
- Unknown
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Being on Twitter has helped me become more open-minded and tolerant of other people’s beliefs, lifestyles and decisions.
I appreciate that.
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@DeputyBae_
@kelebogang_
The kind of a woman I will never be. A Sad woman with sad children and a happy husband. That just can't happen.
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Money slaps differently when it's yours.
Not your parent's money or your partner's money.
Your own money.
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If you don't earn enough money to save & invest.
Invest in yourself by taking educational courses. They will help you increase your earning potential, enabling you to accelerate your financial plan,
You might have to make sacrifices but in a long run it will be worth it.
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If things are not going well financially, don't be ashamed to downgrade even if it's for a little while.
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Friendly reminder: Getting out of debt is hard, being debt free is awesome. Commit to it.
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When it comes to your dreams, you must have a sense of urgency.
Don't procrastinate, don't doubt yourself, learn as you go.
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Don't tell us about taverns of the future.
We want factories of the future, schools of the future, hospitals of the future.... service delivery of the future.
That's what will blow our minds!
Today, we received a full briefing to launch taverns of the future in our communities. The tavern of the future will blow your mind. Thanks to the new Heineken Vision. Exciting times indeed
#GrowingGautengTogether
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Buying cheap usually ends up becoming more expensive.
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What happened to Moipone has happened to most of us in small increments. We blow our salaries and bonuses, years later we can't see much progress in our finances. We end up only being proud of the houses and vehicles that are actually owned by the banks.
#IBlewIt
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Most people can change their financial future within 24 months of sacrifice, but many say that's too long. So they stay in the same situation for 24 years instead!
Don't let that be you.
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#IKnewIWasHurtWhen
I realized that even though I worked hard for years I was still broke and in debt.
I decided to turn my situation around, pay off debt, save and invest, I now feel liberated.
I tweet financial tips daily, maybe I can help one person change their situation.
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#IwasSilentUntil
I realized that most people work hard over the years but they don't know where their money goes, after the 7th of each Month they are broke.
I promised myself that I will tweet about personal finance daily & hope that I can help some of them.
Because I care.
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@SithiniMatiwane
It's nice seeing a man happy when getting married, hayi laba engathi ba fostiwe.
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Making money is only half the battle to achieve financial freedom, the other half is keeping & growing your money.
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May we have the discipline to save money this year.
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May your financial freedom come sooner than you've expected.
May you experience a break through that changes your financial situation.
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Putting things in Perspective:
Investing R1K/month: "I can't afford it."
Spending R500/week at Groove: "No problem."
Starting a small business for R5K: "Too risky."
Contract for R23K iPhone13 Pro: "It’s worth it."
To change our financial situation, we’ve got to do better.
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As a small business owner separate your personal & business expenses by taking a salary & keep all business expenses receipt for tax purposes.
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Decide what kind of life you actually want.
Then say NO to everything that isn’t that.
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It's my birthday. I am grateful for the gift of life, health, of family & friendships.
My heart is full ❤
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Running a small business is far less glamorous & far more work than it seems.
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Generational wealth isn't about spoon feeding your kids an easy life.
It's about providing them with more opportunities.
Ultimately you want to demonstrate to them how to make money, save it, invest it & protect it.
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Today it's my birthday 🌹 and I am grateful to God for a woman that I have become. I appreciate the gift of life, health, family and friends.
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There is no rule saying that we shouldn't;
- Buy a car at 30
- Marry in our 30's
- Go back to school at 30
- Start a new career at 40
- Build our dream home at 40
We all want to achieve success at a young age but each of us has their own timeline. It's never too late.
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Save your money while you have a salary, it's too sad to work for 5 years, lose the job and within few months you are so broke you can't even afford food.
There's something wrong with how most people spend their money, I know because I was once reckless with my money too.
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Once you start earning money, focus on the basics of wealth creation :
1. Pay yourself first
2. Spend less than you earn
3. Pay off debts
4. Build your emergency fund
5. Protect your assets - Insurance
6. Save & invest the surplus
7. Enjoy life, have fun.
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I convinced bae to learn editing so that he can edit my videos for YouTube, he did.
I posted my first video today, now he says I must start filming the next one so that he can edit.
To me, that's a love language 😍
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#BudgetSpeech2020
Upped the tax-free threshold to R83,100 which means anyone earning less than R83,100 p/a will not pay tax
The annual tax free savings account contribution limit rises to R36 000
Property costing R1 Million or less will no longer be subjected to transfer duty💃🏽
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Paying off your debts is not enough, you must also work on that thing in you that made you spend more than what you earn.
Otherwise you could slide back into debts.
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To the first born daughters: Remember to put your own oxygen mask on first, before attempting to help those around you.
I'm one of them.💙
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Paying off debt takes sacrifices, it takes time, and it can feel lonely. You may feel like you are the only one working towards being debt free.
If it were easy, then everyone would be debt free.
Paying off your debt and living debt free is all worth it.
Press on friend.
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Forgive yourself for the bad financial decisions that you made because you didn't know any better.
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Being good with money is a habit that you learn and develop with time. It's not an overnight thing.
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Learn & practice:
1. How to make money.
2. How to manage money.
3. How to invest money.
Start small & be patient with yourself.
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As a small business owner you must count your inventory (stock) regularly, keeping track of your stock level is an important way to manage costs, keep your business running smoothly & detect theft.
#SageForSmallBiz
#Sponsored
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When you learn about investing at 25, the best time for you to start investing is at 25.
When you learn at 35, start investing at 35
Trust the timing in your life
You are learning at 45, start at 45.
No regrets just start.
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Be patient with your financial goals, don't rush into buying things that you can't afford yet.
But darling when it comes to your career, your business, your work, have a sense of urgency.
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The key is to under promise & over deliver, I paid for my goods on Thursdays night, they said they will deliver on Tuesday next week, but my order was delivered today. That's how you delight a customer.
Startups & small business owners, take notes.
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You've had that business idea for a while now.
It's time to implement, you will learn as you go.
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Successful people have failed more often than they have succeeded.
They just don't tell you that, hence when you fail, you give up thinking that you are a failure.
I hope you keep moving forward because if you do, you are more likely to succeed.
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Pay attention to your patterns, the way you learned to survive may not be the way you want to continue to live.
Heal and shift.
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My wishes for entrepreneurs:
Sold outs, fully booked, high profit margins, new store openings, new clients, invoices paid on time, funding secured, business loans paid up, long term contracts signed with clients.
You deserve a moment to breathe.
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I can do all things through Christ who strengthens me.
Philippians 4:13
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Saving money without a goal is just delayed spending.
If you are saving towards an emergency fund you wouldn't touch that money unless it's an emergency.
If you are saving for a washing machine you wouldn't touch that money unless it's for a washing machine.
Set saving goals.
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Remember, when someone is a millionaire that means they have a million rands, not that they've spent a million rands.
For a change day dream about how you would invest a million rands instead of always day dreaming about how you would spend a million rands.
Change of mindset.
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In 2021 may you receive a promotion, a salary increase.
May your business revenue & profits increase.
Even in difficult times we still dream about increase, abundance, favour and blessings.
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Train your mind to create ideas instead of excuses,
Train your eyes to see opportunities instead of obstacles,
Train your heart to feel grateful instead of jealous.
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You can't be using business money for personal stuff.
I learned this as a kid selling sweets at school, you start with 1 packet of sweets & the aim is to buy 2 packets the next time you stock.
So you can't buy Mayo with profits.
Keep business & personal finances separate.
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My 7 simple money formula:
1. Earn it - Career/ Business
2. Manage it - Budget
3. Keep it - Save
4. Grow it - Invest
5. Spend it - Needs
6. Protect it - Insurance
7. Enjoy it - Fun
Learn how to master each step, the results will be financial wealth.
#FinancialHealth2020
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My stats shows that I am followed by 71% Male and 29% Female. Ladies I tweet ideas and thoughts about personal finance. Lets secure the bag, keep the bag and grow the back 💰
Let's not just follow beauty and entertainment. As ladies we need financial literacy too.
Follow me 💝
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@princessLopie
Not my crush, in his song he says "he wants to have a lot of money and ignore the wife"🙄 niwa thanda kabi ama player, bese nibuye nikhale nithi bani hurtile.😤
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Never let your hustle drive you away from the people you are hustling for.
Make time for your family.
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We spend too much time looking for more, instead of appreciating what we already have.
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Try not to burn bridges, it’s important to remember that the world is interconnected. Competitors can become colleagues and employees can become partners.
More reasons to treat everyone with respect, dignity, and honesty.
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In a Country with high unemployment rate,
Why would people prefer Sizwe who flex his success over someone who educate and encourages entrepreneurs like Vusi.
We need more people like Vusi, go watch his videos on YouTube you will have a better appreciation for this man.
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Starting over is hard, I had to start over in business after a failed partnership.
I had to start over with investments after I messed up bcoz of over spending & debts.
I had to start over after ending a 7 years relationship.
I pray for courage to share how I pick myself up.
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We save money so that we have something to fall back on, in rainy days. We invest so that our money grows.
We spoil ourselves there & there because we deserve it.
It's about balance.
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I said to Money: You are just a piece of paper, Money smiled and said: “Of course I am a piece of paper, but I haven’t seen a dustbin yet in my life”. - Anonymous
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It’s best to start a business that aligns with your skills, experience, and network.
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One of the most valuable skills you have to master is to learn how to package your skills, knowledge, talent & experience into a service & create value that you can sell to the world.
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I dont know who needs to hear this but start saving money.
Start with R10, R50 or R100
Once you start your mindset changes, you become someone who spends consciously because you now have a saving goal.
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Creating a workplace culture that nurtures high performers leads to a more productive and engaged workforce.
@SageUK
Here are my 5 tips to help do just that!
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My younger brother has a motor spares at Mabopane Station, he started in a container, now he has built. He also does vehicle number plates. He takes card payments thanks to
#Yoco
Those in Mabopane please support him, his name is Themba.
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Make money and use that money to make more money.
This thing of making money and spending it all, will never make us wealthy.
It's a trap, don't fall for it.
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My nephew is starting a new job, he is a young graduate, he asked me to teach him about money, I have this as an agenda;
- How to Budget
- How compound interest works
- How to invest
- How to avoid debt
- How to prepare for Financial Emergencies
- Insurance
What am I missing?
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Earning R50K & spending R55K is what keeps people broke.
Someone earning 30K & saving 10K is doing better.
It's not how much you earn but how much you keep.
Financial discipline calls for high personal discipline & accountability.
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It's very difficult to try & build a life with someone who values fun & happiness over peace & responsibility.
Choose your partner wisely.
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Wealth does not always look like a big house in the suburbs, a luxury car, kids in private schools and international vacations.
And yet sometimes it does, you have to know what you can afford and appreciate that while you aspire for all other things that your heart desires.
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When it comes to money,
givers must put limits,
because takers never do.
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Learning how to manage your money is one of the best things you can do for yourself.
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Being unemployed doesn't mean that you are excluded when we discuss money matters.
I hope you stick around and learn with us because when you get that job, when that business takes off you gonna have to know a whole lot about money so that you can prosper.
I wish you well.
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In 2020 we don't say I can't afford to save or invest.
We ask, how can I afford it? we make a plan, we develop our skills, we work hard, we ask for increases, we apply for promotions, we create other streams of income.
By 2021 we would've figured it out.
#FinancialHealth2020
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Don't fall for the social media lifestyle, that sh*t an't real.
If you want to feel horrible about your life, browse Instagram & compare yourself with others.
To catch up you might end up in debt or feeling inadequate, non of that is good for you.
Stay in your lane.
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Maybe I must start tweeting a bit about how to make money.
People want money, brah.
Business related content loading.
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Spend less than you earn, each move you make to maximize the gap between what you earn and what you spend will put you in a better financial position.
Easier sad than done but we have to do the hard things to get ahead in life. You work hard for your money, manage it well.
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I am coaching four small business owners, today.
Few things makes me happier than that. I am grateful. 💙
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By all means, strive to be an honest person, your life will be less complicated.
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Sometimes a side hustle could be taking resources from the main stream of income, beware & balance accordingly.
I was talking to someone who got fired for poor performance & he confessed to me that he was focusing too much on the side hustle lately, even during working hours.🙁
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A few years ago I asked Takie, a friend on mine, what would he do if he won a million rand in lottery. He said he would buy a farm and start farming.
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Getting into debt is easy but getting out of debt takes real sacrifices. You will have to make drastic lifestyle changes for a while or forever if you plan to stay out of debt.
You will have to increase your income or opt for some sort of frugality.
Maybe do both.
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Take responsibility for your financial situation.
Excuses will make you feel better for 5 minutes then back to reality.
It's gonna take planning, action and dedication for you and I to change our financial situation.
Let's start by saying yes to opportunities to earn more.
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Way maker
Miracle worker
Promise keeper
Light in the darkness
My God, that is who you are
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I had to be intentional about my money, I had to stop making excuses and be committed to my goals. I had to stop betraying myself.
I had to say I can't afford manicures, new clothes & going out instead of saying I can't afford to save. Friends didn't understand but who cares.
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Being broke is temporary when you're working towards something greater. Keep grinding, your breakthrough is just around the corner. Don't lose hope!
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My biggest money mistake was thinking that the wealthy people buy whatever they want, whenever they want it.
Until my millionaire cousin showed me otherwise.
The man has a budget to track his expenses and a balance sheet to track his net worth.
Let's start with a budget.
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We're not giving up, we gonna keep trying to build multiple streams of income, until we win.
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What society perceive as wealth:
Designer clothes
Luxury cars
Vacations
Real wealth:
Owning income-generating assets
Living below your means
Insurance
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