Julius Idana

in a toxic relationship with @manutd //probably napping// Certified Kota enthusiast

[Julius Idana @that3amgent]

I ain’t gonna lie, I’m convinced my mom is a superhero 🤞🏾

[B.C @BoitumeloCaleb]

NONE OF THEM
some of us have sleepness nights because there are people who own 535 hectares of land that are big enough to fit those entire estates, that's what inspires us 😩

[BelezaManifique @BelezaManifique]

@that3amgent @eng_nyumz Financial education early on would really change a lot...and tools that help people build better habits are definitely needed...

[Julius Idana @that3amgent]

@antenna_guy_ I am generally against loans, but this one is a win. That loan wasn't wasted. Keep going, brother.

[Miss Ziprusha @destinyzee]

#InCaseYouMissedIt

[Julius Idana @that3amgent]

@eng_nyumz I love that goal for you!
I think we need education on consumer debt, especially when we are straight from Uni into the workplace.

With this in mind, we have developed a FREE app that teaches people how to manage their finances.
https://t.co/lRdzYZBX5Q

[L E S E D I @_Hybreed_]

• Clayson Monyela vs Elon Musk
• Bafana Bafana almost dealt with Sbu
• Cyan Boujee got married to a Limpopo gent
• Lebo Keswa clashes with EFF figures over “Letoya Lies!”

Sunday Twitter is officially back! 😭🔥🔥🔥

[N’wa Mucanyi 🫶🏾 @KhananiShingan1]

This made me so happy 🥹🥹

[Koshiek Karan @iamkoshiek]

I built a stock market arcade game to simulate real-world investing 📊📈

most people learn investing by losing money & expensive mistakes

WealthQuest is a safe, fun space to learn risk management & wealth strategies

give it a test drive here 🎮🔥
https://t.co/kAA9pvydnD

[Julius Idana @that3amgent]

@iamkoshiek That would be greatly appreciated.

Fantastic, we'll work on that. Looking forward to your feedback.

[Julius Idana @that3amgent]

@iamkoshiek Thanks for the feedback, Koshiek, appreciated.

We'll relook into making it much friendlier. The reason for this sign up form is security and in-app feedback to the user based on the data they provide.

Would you be open to giving suggestions on what we could cut out?

[Julius Idana @that3amgent]

@lindz_malindz Get a hospital plan if you are too worried about medical aid.

Buying a second-hand car would be the best option.

If financing, check your affordability through https://t.co/zxqdXT4uZ4 under the financial calculators before going to the bank. All the best 😁👏🏾

[Julius Idana @that3amgent]

@Degenteel_ https://t.co/lRdzYZBX5Q

Free budgeting application. Plenty usefel.

[Julius Idana @that3amgent]

@KeMosothoGP Congrats Mr K 👏🏾 Clearing those loans is a big win. Now it’s time to track the next goal. Boring Accountant can help you stay accountable and budget for that baecation ✈️

https://t.co/p35PF1z6f0

[Julius Idana @that3amgent]

@docmediamlambo @GamingNaRoli I hear you, my brother. So you would want it as an access facility rather than a deposit?

[Julius Idana @that3amgent]

@Mo_D1d @kay_mahapa This answer is great. The cost vs. benefit of depositing 50k long term to save 1K per month makes 0 sense if you plan on investing the 1k. However, if the deposit is so that it affects affordability, then the conversation is about why buy expensive when you can barely afford.

[Julius Idana @that3amgent]

@MindUrselfPls @GamingNaRoli @hayin_uAvu Hayii chief, no, no! For your investment to make a break even with the interest, which is R22k , you only need +-6,5% returns annually for the same period as the loan repayment.

Please do the math & show me what you are talking about, if I am wrong this will be a learning curve.

[Julius Idana @that3amgent]

@loveonweekends @GamingNaRoli @hayin_uAvu my understanding is that the 50k paid later will significantly reduce the capital amount, and your installment will also reduce to lower than the "no deposit and a deposit installment," as seen above. If you continue to pay the same installment as before, you'll pay off faster.

[Julius Idana @that3amgent]

@loveonweekends @GamingNaRoli @hayin_uAvu The app I used doesn't have the ability to check what happens when you pay the 50 after. I am not a subject expert in this regard, so I could be wrong, but ...

[Julius Idana @that3amgent]

@docmediamlambo @GamingNaRoli @hayin_uAvu Valid point, I think it also comes down to affordability. If you can comfortably afford the monthly installment of 10k, the choice of whether you buy with a deposit or not will be easier because you will know what the long-term goal is.