Refiloe

Introverted | Kind | Girl mom👩‍👧| UFS Alumni 🎓📚📖 LL.B (UFS) | Financial Literacy (UJ) | Business Analysis | System Development | IT Project Manager

[Rolivhuwa 🫶🏾 @ReezaySA]

A new website has been created to raise awareness and promote safety of women and children especially who are being targeted by ehailing drivers. You can search the drivers licence plate before travelling with them. Register and stay safe ! https://t.co/GZviUYFWPf

[🥷 @_iamhabeeb]

Fortunately for me, i’ll go very far in life

[MR. HiMSELF @pushinM15]

Two people. Both earning R18 000 take-home.

Person A walks into a dealership. Gets approved for R4 500 a month. Drives home in a second-hand SUV feeling good.

Person B does the math first.
Here is the rule nobody teaches you.

Your total car costs should never exceed 20% of your net salary. Not just the instalment. Everything.

R18 000 × 20% = R3 600 a month.
Instalment: R2 200
Insurance: R750
Fuel: R650
Total: R3 600

At today's vehicle finance rate of roughly 12.25% over 60 months, R2 200 a month finances a car worth about R100 000. Add a R15 000 deposit and you reach R120 000 to R125 000.

In that range, your best options are used:

VW Polo Vivo 1.4 Trendline (2018 to 2020). South Africa's best-selling used hatchback in 2025. Reliable, parts are everywhere, good resale value.
Toyota Etios 1.5 (2018 to 2021). Bulletproof engine, cheap to service, Toyota reliability at an affordable price.
Hyundai i20 (2017 to 2019).

Comfortable, good build quality, easy to insure.

None of these are flashy. But none of them will destroy your finances.

Person A is paying R4 500 a month and has R500 left over.

Person B is paying R2 200 and putting R1 000 into a TFSA every month.

Five years later, one has a paid-up car and a growing investment account. The other just finished paying for an asset that lost half its value.

The car you can afford on R18 000 is the one that does not stop you from becoming wealthy.

[No filter Skin @NoFilterSkin]

Now that i have my own kid i don’t see how our parents beat us the way they did . I could never put extension cord and belt buckles to my kid. It ain’t never that serious

[𝘀𝗵𝗮𝗺𝗺𝘆💗 @Urfv_shammy]

Go deeper in your relationship with God. God knows the perfect version of the woman he's called you to be. The only way to become that woman is by growing in your relationship with God and seeking God above all else ❤️

[preye🤎 @tessysmitha]

I’m in my era of giving up on people. No more seeing the best in them. No more excusing their behavior. No more hoping things will change.

[ROYZ @royzkingin]

I’m a very chilled person but i’m strict when it comes to my principles. I can’t tell you what to do, but i can tell you what you are not going to do with me.

[Tomi 🧶🌸 @crochetbyayo_]

five years from now, i will be the girl of my dreams... financially secure, glowing, successful & happy

[University of KwaZulu-Natal @UKZN]

Graduate’s Emotional Moment Captures Hearts

Twenty-four-year-old Nokuthula Dlamini, an only child raised by a single mother who works as an informal trader, was overcome with emotions as she graduated from the University of KwaZulu-Natal (UKZN) this week with a Bachelor of Arts Honours in Sociology.

Video and images of an emotional Nokuthula embracing her mother, Lindiwe Dlamini, during the ceremony soon went viral on social media, prompting public offers of support, including clothes and photoshoots.

She had attended graduation without a new dress as she could not afford one.
“I did not want to trouble my mother because I knew the dire situation at home, so I decided to go with the clothes I had. What was important for me was just to be present at graduation because I thought this might be the last one for me,” said Dlamini.

Dlamini, who is from Pietermaritzburg, said she was filled with mixed emotions during the ceremony as she recalled the struggles she faced during her studies and in the lead-up to her graduation.

She said the tears were for how grateful she is to finally make it, the support she received, and the happiness of making her mother proud.

Her financial struggles made the journey to success a lot more challenging. She thanked her lecturer, Dr Siphamandla Sithelo, who secured accommodation for her for the year, and she said her roommate, Ms Khethukuthula Khoza, assisted with food and anything else she needed. She also thanked her supervisor for encouraging her to attend counselling.

After trending on social media, people have reached out to Dlamini with various gestures. “I am so grateful to everyone who has reached out. I wish I could shout to the world to thank each and every one of them. I feel God has answered all my prayers and worries. Thank you to everyone,” said Dlamini.

She encouraged other students facing financial struggles or challenges to never let those struggles deter them from following their dreams. “Don’t give up, go out and finish what you started,” said Dlamini.

[kgadi♠️ @Kgadi_yaMoloto]

Iqanda le country.

She did not have any frontal
She did not have any Facebeat make up
She did not have a new fancy dress
As she was raised by a single mother ...

But she said nothing will stop me from finishing what I have started,she went and got her BA honors👩‍🎓

24 years old Nokuthula Dlamini 🎓

[KABUGO @Kabugo_]

Before you confront a toxic bully at your workplace, ask yourself... he has been there 11 years... who keeps renewing his contract!

[OFFICIAL Skeem Saam 15 @SkeemSaam3]

Congratulations to @VeleManenje for bagging a #Saftas19 award for best supporting actress in a TV Soap!📺🏆🔥
#SkeemSaam

[CaptainBrown @chestermayifo]

Thank you @Pasi_Koetle
No1 could have played this role than you. We literally watched you grow with us.
#etvScandal 🔥🔥😭😭😭😭

[Vuyo @BeingVuyo]

Single moms, we did it. The kids are ready for school tomorrow and by the grace of God, everything fell into place. 🥹❤️

[Queenoflight👸 @lolade_Olaiya]

Those who wait and put their trust in the Lord will not be put to shame.

[☘️ @whisperedloom]

…i’m getting married this year.

[Martha Ahumuza @MarthaAhumuza]

Closed mouths don’t get fed!!!!
Come 2026, I’m moving with mad audacity. I'm asking even when my voice shakes. I'm going to do it scared.

[F E E Z @Feeztm]

There’s a feeling that comes with buying your first car and first property…

If you’re yet to experience it, you will this year. 🫵🏽

[BEEBAH📸 @habibat_orente]

Engaged in 2026💍
Married in 2026👩‍❤️‍👨
Travel to Canada in 2026🇨🇦
Family in 2026🤰
A successful business 2026💼
Your dream job in 2026✈️
May this be your portion in 2026.

[Mahle who?🫪⋆✯ ·͜· @chubbzy___]

i can’t, my peers are already driving Audis and BMWs😭