How to pay off your home and car
If you are confused about how advance payments to your home loan and car finance works, you are not alone. In this podcast Maya and Mapalo unpack exactly how access bonds work and when advance payments on your car can be used to settle the balloon payment.
27m Oct 15, 2020
27m
How financial advisors choose their insurance
Maya and Mapalo speak to independent financial adviser Markus Bauriedl on what to look out for when selecting life insurance to make sure it pays out as promised. Not all cover is equal, and some products work better for some than others. Markus shares his own experience of navigating the claims experience when he faced his own medical crisis. 
37m Oct 01, 2020
37m
Know the difference between good, bad and ugly credit
Is there such a thing as good credit? What forms of credit should you avoid at all cost? In this podcast Maya and Mapalo discuss the good and dark side of credit and whether the concept of lay-by’s will come back into fashion as technology changes.
25m Sep 17, 2020
25m
How to invest for your kids
Whether you are saving for your child’s education or investing for their future, Maya and Mapalo discuss where and when to invest. When is a tax-free investment appropriate? Should you invest in your child’s name and where do you save for those school fees? All these questions are answered in this week’s podcast.  
22m Sep 03, 2020
22m
When fear is high, opportunities prevail
“As much as we like to believe it is all about hard-nosed number crunching, the stories investors tell themselves and others are key”. What are the stories we are currently telling ourselves about the economy and markets that we may need to revise? In this podcast Maya and Mapalo speak to Izak Odendaal Investment Strategist at Old Mutual Wealth About the danger of getting caught in a negative m...
30m Aug 20, 2020
30m
Women’s Day: Own your financial destiny
Is money really gender-neutral? Maya and Mapalo discuss why women face more financial challenges and how important it is for women to take control of their financial destiny.
25m Aug 06, 2020
25m
“How we reached our goals in just six months”
In the final episode of our Money Makeover Challenge Maya and Mapalo chat to the two winners Catherien and Nono about their journey and how they turned their finances around in just six months.   In just six months these women paid off debt, created savings and have got their entire family on board. If they could achieve all this in the midst of the financial uncertainty of COVID – imagine wh...
29m Jul 30, 2020
29m
How to track your financial progress
In previous podcasts we have discussed the concept of Net Worth and how to use it to assess your financial progress https://mayaonmoney.co.za/2020/01/listen-2020-grow-your-net-worth/, https://mayaonmoney.co.za/2019/11/listen-do-you-know-your-net-worth/   In this podcast Maya and Mapalo discuss other Personal Financial Ratios to help you evaluate your current financial strength and position. D...
22m Jul 23, 2020
22m
How do you know if you are getting good advice?
In this podcast Maya and Mapalo each discuss an event in their week that made them reflect on the way we engage with money:  A negative experience with the way financial products are sold questions whether people can make the right decisions when their advisers have different motivations. And then reflecting on finding that balance between planning for the future but also living and connecting...
27m Jul 09, 2020
27m
Mistakes to avoid with your own business
In this, our fifth Money Makeover podcast, we chat to Elton Govender, senior enterprise development specialist at Absa, to provide some tips to those of us who are self-employed or running our own businesses.   Elton shares the guidance and tools he developed to help our entrepreneur contestant Bellah turn her business around. When Bellah joined the Money Makeover Challenge, her business was s...
33m Jul 02, 2020
33m
Beware the debt payment holiday trap
Payment holidays are a lot like real holidays – they end up costing more than you realise. In this podcast Maya and Mapalo look at the costs of debt holidays and how to get back on track after taking 
24m Jun 25, 2020
24m
What are you going to do with your first million ?
Have you ever thought about how much you will earn over the next 5 years? If you have just started working and taking home R15 000 a month, over the next five years you will earn nearly R1 million – without any promotions or salary increases. What will you have to show for it? In this podcast Maya and Mapalo discuss what they did with their first pay cheques, what they wish they had done as we...
27m Jun 18, 2020
27m
How to invest in property - My Money My Lifestyle - 5 June 2020
Have you fallen into property investing by accident? Whether you are an existing property investor looking to consolidate or planning on buying your first property, in this podcast @mayaonmoney chats to Miguel Martins of Absa Home Loans, a property investor himself, on the do’s and don’ts of property investing  
53m Jun 04, 2020
53m
My Money My Lifestyle - 29 May 2020 - Getting into gold
In line with our theme on alternative asset classes, this week’s podcast Maya and Mapalo discuss investing in gold. Is gold a good investment? What role should it play in your portfolio and how do you go about investing in gold- because there are many different ways to gain exposure to this precious metal. The podcast has three parts – from traditional gold investments through to new-age ones. ...
55m May 28, 2020
55m
My Money My Lifestyle - 22 May 2020 - Diversify your investments through cattle
Increasingly investors are looking to non-financial assets to provide further diversification. In this podcast we have previously discussed Fedgroup Impact Farming where investors can buy into farming of beehives, blueberries and even solar energy. We have also written about investing in cattle through Livestock Wealth. Cattle is especially relevant to the African market where it represents a t...
23m May 21, 2020
23m
My Money My Lifestyle - 15 May 2020 - Investing with guarantees
With the economic fallout expected from COVID-19 investors have either seen their portfolios seriously hurt or are too afraid to enter the equity market now. Sitting in cash is an option, but what if markets recover and investors lose out on potentially higher returns? Maya and Mapalo discuss how structured products can provide a guarantee with market upside. In the second part of the podcast t...
27m May 14, 2020
27m
My Money My Lifestyle - 7 May 2020 - Teaching your kids about money
Most parents make supreme sacrifices to provide for their children and research shows that mothers in particular will put their children’s needs before their own. We want to offer our children the perfect world where they want for nothing, where they never feel shunned or feel they are not “good” enough. But is this the best way to teach them about money? Maya and Mapalo discuss their experienc...
27m May 07, 2020
27m
My Money My Lifestyle - 1 May 2020 - Love and Money: If you share a household, you share your finances
It doesn’t matter how motivated you are to improve your finances, you will struggle to make progress unless your partner is on board. In our third Money makeover podcast Maya and Mapalo talk Marriage and Money and share the story of Catherien’s Money Makeover journey with her husband Jan.
25m Apr 30, 2020
25m
My Money My Lifestyle - 24 April 2020 - The interest rate cut and your money: 101
With the unexpected 100bps cut in interest rates we received many questions about how interest rates work and the impact it has on both borrowers and savers. Maya and Mapalo unpack how interest rates work and do some jargon busting
26m Apr 23, 2020
26m
My Money My Lifestyle - 17 April 2020 - Stokvel: How to make money in a Stokvel
Whilst you are sitting in lock down, now may be the time to turn that WhatsApp group into an investment club. Maya and Mapalo chat to Palesa Lengolo financial educator and author of  Stokvels: How they can make your money work for you, on the various investment product and opportunities available to stokvels. She also provides tips on what to do, or not do, when setting up your own investment s...
36m Apr 16, 2020
36m
My Money My Lifestyle - 10 April 2020 - Is it time to start investing? And where?
Over the last few weeks our discussions have focused on keeping our heads above water during the coronavirus meltdown. We now turn our attention to investing - with markets down significantly is this the time to start testing the waters? In this podcast Craig Pheiffer, chief investment strategist at Absa Stockbrokers joins Maya and Mapalo to provide investment guidelines and maybe even some sha...
30m Apr 09, 2020
30m
My Money My Lifestyle - 3 April 2020 - Money Makeover: how to manage your money when Life Happens
The topic for this City Press/ABSA Money Makeover podcast could not be more relevant given the financial stress so many households are feeling with the COVID-19 crisis. Falling into a debt trap is often due to a change in personal circumstances rather than living a flashy lifestyle. But it is how you respond to the crisis that will determine how quickly you can recover. Maya and Mapalo chat to ...
38m Apr 02, 2020
38m
My Money My Lifestyle - 27 March 2020 - Lock Down: Get your finances in order
The lock down will affect people in different ways. There are those who will be fortunate enough to still be receiving a salary, others will see a cut in pay and for many business owners or self-employed, they will be fighting to keep their heads above water. In this podcast Maya and Mapalo provide tips and information on how prepare your COVID-19 budget and what you can expect from your financ...
31m Mar 26, 2020
31m
My Money My Lifestyle - 20 March 2020 - COVID-19 and your money
In this time of unprecedented events Maya and Mapalo have put together a comprehensive strategy on how to manage your money in light of COVID-19. What to do with your investments, what to do if you are close to retirement and your options are if you have lost work or experiencing a drop in income.
22m Mar 19, 2020
22m
My Money My Lifestyle - 6 March 2020 - Money Makeover: The Challenge begins
In the first of our monthly City Press/Absa Money Makeover podcasts we chat to Absa financial adviser Steven Williamson about how he guided last year’s winner Samke to turn her finances around in just six months. We also hear from his candidate this year, newly-wed Nono about how her credit card is nearly paid off in just two months. Once again the Money Makeover challenge shows that if you tak...
27m Mar 05, 2020
27m
My Money My Lifestyle - 28 February 2020 - Taxpayers off the hook…for now
Listen to the budget speech highlights and low downs with Maya and Mapalo -– what it means to the ordinary South African as well as the risks building towards a possible downgrade. Maya also chats to Sharon Machutchon of Mazars about the removal of exchange controls for individuals and how expats are going to be taxed from 1 March. 
37m Feb 27, 2020
37m
My Money My Lifestyle - 21 February 2020 - Buying a car? This is what you need to know
While her current car has been a reliable mode of transport, Mapalo faces the reality that after eight years, it is time to buy a new one. What car should she consider? How does she work out her affordability and should she put down all her savings as a deposit? Maya and Mapalo chat to Elton Govender of http://www.autokustom.co.za/ about how to chose the right car and whether a second hand car ...
36m Feb 20, 2020
36m
My Money My Lifestyle - 14 February 2020 - Drowning in debt? You are not alone
The debt statistics, especially for higher income earners, are alarming. Figures released as part of National Debt Awareness month show that, on average, higher income earners have increased their debt by 50% since 2014. In this podcast Maya and Mapalo unpack the reasons for this debt spiral and what to do if you are no longer keeping your head above water.
35m Feb 13, 2020
35m
My Money My Lifestyle - 7 February 2020 - Tips to cut that insurance bill
One of the ways to find that extra cash to start saving is to review your fixed costs, like short-term insurance. In this episode Maya and Mapalo discuss some of the new insurance players in the industry that are using technology to drive down costs. They also share tips to create “invisible” savings
28m Feb 06, 2020
28m
My Money My Lifestyle - 31 January 2020 - The step-by-step investing plan
You want to invest, but don’t know where to start? Whether you have R500, R5000 or R50 000 to invest, the principles remain the same. In this podcast discussion Maya and Mapalo are joined by personal finance blogger StealthyWealth to share their collective wisdom on how to start investing. The bottom line? Just start 
32m Jan 30, 2020
32m
My Money My Lifestyle - 24 January 2020 - Listeners' questions – Retirement, take the cash & run ? How to start financial freedom?
This week, Maya (@mayaonmoney (https://twitter.com/mayaonmoney) ) and Mapalo (@womanandfinance (https://twitter.com/WomanAndFinance) ) answer readers’ questions about retirement: when to take the cash and run or when to buy an annuity, how much you can draw of your capital and why good advice is worth paying for. They also give listener Thando, a young student, a few tips on how to start on the...
30m Jan 23, 2020
30m
My Money My Lifestyle - 17 January 2020 - 2020: Grow your net worth
In this first podcast edition for 2020 Maya and Mapalo discuss their own strategies to grow their net worth and how to set SMART goals. They also share the apps and tools they use to manage money.
26m Jan 16, 2020
26m
My Money My Lifestyle - 13 December 2019 - Invest your bonus or pay off debt? How to get financially ready for 2020
In the final My Money, My Lifestyle podcast for 2019 Maya and Mapalo discuss how to prepare your finances for an uncertain future. Should you use your bonus to pay off debt or invest? Do you have enough pay  cheque left for Januworry and what does a Moody’s downgrade mean for your investments? We also include a discussion on identifying crypto scams and how to know whether you are using a trust...
32m Dec 12, 2019
32m
My Money My Lifestyle - 6 December 2019 - Investing series: Building a retirement portfolio
The last four years of poor market performance highlighted the risk of relying on capital drawdown in retirement. In this final edition of our Investment Series with Marriott Income Specialists, Maya and Mapalo discuss how to start building a retirement portfolio that will provide a predictable and sustainable income. 
25m Dec 05, 2019
25m
My Money My Lifestyle - 29 November 2019 - Investing series: Why you should invest offshore
Why you should invest offshore A decision to invest offshore should not be driven by fear but rather as part of a diversified investment portfolio for the best risk adjusted return. In this episode of Investment Series, Maya and Mapalo chat to Duggan Matthews and Lourens Coetzee from Marriott Income Specialists about offshore investing - where and how to invest as well as the tax considerations
20m Nov 28, 2019
20m
My Money My Lifestyle - 22 November 2019 - Why women make great money managers
Why women make great money managers. Maya and Mapalo discuss how women tend to approach money and finances and why this can be either an attribute or hold them back from taking necessary risk. Sean Sanders and Louis Buys from crypto platform Revix join the discussion sharing their experiences, not only on how women investors approach crypto, but also their own investing strategies, their succes...
29m Nov 21, 2019
29m
My Money My Lifestyle - 15 November - Investing Series: Why investing “for good” will deliver better returns
Is it possible to invest in socially responsible businesses and make a return on your investment? In this podcast. Maya and Mapalo chat to Duggan Matthews and Lourens Coetzee from Marriott Income Specialists, who argue that in fact, only those companies that are socially responsible will deliver sustainable, long-term returns.
19m Nov 14, 2019
19m
My Money My Lifestyle - 7 November 2019 - Do you know your net worth?
Do you know your net worth? In this podcast Maya and Mapalo discuss how to calculate your net worth and how to use it to track your financial progress. They also  look at the best ways to finance your home loan and whether it makes sense to focus only on paying off debt or finding a balance between investing and debt reduction
18m Nov 07, 2019
18m
My Money My Lifestyle - 1 November 2019 - Investing series: the power of dividends
This week’s episode is part of our Investment Series where we focus on investing and specifically investing for a sustainable income. Maya and Mapalo chat to Lourens Coetzee and Duggan Matthews from Marriott about why investors are returning to a dividend focused investment strategy. What are dividends and how can how they can be used to create a passive income?
26m Oct 31, 2019
26m
My Money My Lifestyle - 25 October 2019 - Cryptocurrency: Is this money, an asset or a get rich quick scheme?
Cryptocurrency: Is this money, an asset or a get rich quick scheme? What exactly is cryptocurrency? Is it something we should be investing in and if so how do we do it? Maya and Mapalo ask the questions you may be too shy to ask. Cryptocurrency experts Sean Sanders and Louis Buys, co-founders of Revix, help us unpack the world of digital money 
27m Oct 24, 2019
27m
My Money My Lifestyle - 18 October 2019 - You’re not broke, just pre-rich
In her book, “You are not broke, just pre-Rich” Mapalo explains that moving towards financial freedom starts with a state of mind. In this podcast Maya and Mapalo discuss what drives our buying decisions and how you can blow R200 a month on “unconscious” spending or use it to become a millionaire.   
21m Oct 17, 2019
21m
My Money My Lifestyle - 11 October 2019 - Surviving retrenchment: Your step-by-step guide
Facing retrenchment is a very frightening experience, but you can manage the stress and financial fallout if you have a plan in place. Maya and Mapalo discuss the many options, including insurance, you may not even know you had that can lessen the financial blow. If you are facing retrenchment or know someone who is – listen to this podcast..
22m Oct 10, 2019
22m
My Money My Lifestyle - 4 October 2019 - Can you make a living from direct selling?
Have you ever thought of signing up to sell make-up, health drinks or cleaning products to make a few extra rand? Maya and Mapalo chat to journalist Angelique Ruzicka about whether direct selling is a way to make your millions or just a disguised pyramid scheme. Maya also chats to personal finance blogger Brendan Dale about why the profit when selling your home may actually be a loss.
25m Oct 03, 2019
25m
My Money My Lifestyle - 27 September 2019 - travel overseas without debt
With proper planning you can have that overseas trip without financial regrets. Maya, Mapalo and personal finance blogger Brendan Dale share their travel budget secrets 
21m Sep 26, 2019
21m
My Money My Lifestyle - 27 September 2019 - travel overseas without debt - CP
With proper planning you can have that overseas trip without financial regrets. Maya, Mapalo and personal finance blogger Brendan Dale share their travel budget secrets
21m Sep 26, 2019
21m
My Money My Lifestyle - 20 September 2019 - Fire - CP
Maya and Mapalo speak to personal finance blogger Brendan Dale about how he manages his budget to achieve Financial Independence to Retire Early (FIRE). Is it a fad or something we could all apply to our finances?
23m Sep 19, 2019
23m
My Money My Lifestyle - 20 September 2019 - FIRE
Maya and Mapalo speak to personal finance blogger Brendan Dale about how he manages his budget to achieve Financial Independence to Retire Early (FIRE). Is it a fad or something we could all apply to our finances?
23m Sep 19, 2019
23m
My Money My Lifestyle - 13 September 2019 - The 20 year home loan fallacy - CP
In this week’s edition, Maya and Mapalo explain how you can pay your house off as quickly as your car and discuss how easy it is to fall for a scam. The recent raid by the authorities on CoinIt and Commex Minerals highlights the rise of dubious investment offers which are aimed at financially desperate people.
22m Sep 12, 2019
22m
My Money My Lifestyle - 13 September 2019 - The 20 year home loan fallacy
In this week’s edition, Maya and Mapalo explain how you can pay your house off as quickly as your car and discuss how easy it is to fall for a scam. The recent raid by the authorities on CoinIt and Commex Minerals highlights the rise of dubious investment offers which are aimed at financially desperate people.
22m Sep 12, 2019
22m
My Money My Lifestyle - 6 September 2019 - Revolting Credit - CP
Maya and Mapalo discuss the dangers of signing up for a credit facility as well as how your partner’s debt can impact your credit score  
13m Sep 05, 2019
13m