Refiloe Kelatwang

Just a girl next door. I believe in prayer.
NWU Alumni. Virgo. Boy mom. Family. 🇿🇦

[Refiloe Kelatwang @RefilwePearl]

"Thou shalt not be broke"

[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.

[IVYSON @Nasty_CSA]

Album drops this Friday! #FREE

[GlobalSouthNews @GlobalSouthNew]

Bathong! re kgopela di connection tsa mmereko 😪😪

[IG:Joy-Zelda @joy_zelda]

Let's Retweet until she gets a job, her next employer could be on your Timeline ... show love

Shimza Lord Gayton Vuyokazi Tirelo #IsencaneLengane #IzinganeZesthembu Stop Leon Schreiber

[AKA @akaworldwide]

You can’t buy this at the Gucci store.

[Tiffany🇿🇦 @MetjahTebogo]

Available jobs, internships and Learnerships 🔌‼️ Please retweet 🙌🙏🏾

[Refiloe Kelatwang @RefilwePearl]

@TiisetxoSetso #AudaciousEntrepeneurs

[Tiffany🇿🇦 @MetjahTebogo]

List of Recruitment Agencies in South Africa 🔌‼️

[Refiloe Kelatwang @RefilwePearl]

@Strictlyirene ❤️

[TheVendaGuy @TheVendaGuy]

Snowkoloshi

[Refiloe Kelatwang @RefilwePearl]

@akreana_ @whinecashy #KeaDrive

[Refiloe Kelatwang @RefilwePearl]

@Karabo_Mokgoko A

[Dafe @RespiratoryDafe]

Do you know that if you send me money now, you will be the one that was there when I was nothing ?

[Refiloe Kelatwang @RefilwePearl]

@MichaelBucwa Mr Smeg

[Refiloe Kelatwang @RefilwePearl]

@akreana_ #KeaDrive

[Refiloe Kelatwang @RefilwePearl]

@HermaineM Simba Mhere and Kuli Roberts

[Refiloe Kelatwang @RefilwePearl]

@MichaelBucwa

[Refiloe Kelatwang @RefilwePearl]

@akreana_ #KeaDrive

[Refiloe Kelatwang @RefilwePearl]

I always say this. 😹

[👁️❤️📍 @mr_dds]

Somebody please tell Nasty C we thank God for His existence

[Refiloe Kelatwang @RefilwePearl]

@Oloyedey4u @RefilwePearl