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The Journey with Agnes
United States
Registrace 30. 12. 2021
Hi! Thanks for stopping by.
I'm Agnes Kalubi, a Financial Enthusiast. After struggling for so many years with my personal finance management, I finally managed to build habits that has taken me on a positive trajectory to successfully pursue Financial Independence.
So I'm basically here on CZcams with the goal to share my Experience with my audience, hoping that they will not make the same mistakes that I made.
I also plan to build a community of people that will " Normalize living below their means". So that we can all reach Financial Freedom.
I'm Agnes Kalubi, a Financial Enthusiast. After struggling for so many years with my personal finance management, I finally managed to build habits that has taken me on a positive trajectory to successfully pursue Financial Independence.
So I'm basically here on CZcams with the goal to share my Experience with my audience, hoping that they will not make the same mistakes that I made.
I also plan to build a community of people that will " Normalize living below their means". So that we can all reach Financial Freedom.
Investing as a beginner in South Africa| My EasyEquite Update
I invested about R400 on Easyequite over a year ago and I made a profit of 36%.
🧡DISCLAIMERS & DISCLOSURES
This content is for educational and entertainment purposes only.
#southafrica #easyequities #investingforbeginners #extraincome #financialfreedom #personalfinance
🧡DISCLAIMERS & DISCLOSURES
This content is for educational and entertainment purposes only.
#southafrica #easyequities #investingforbeginners #extraincome #financialfreedom #personalfinance
zhlédnutí: 23
Video
How to become a verified uber/bolt driver in South Africa
zhlédnutí 85Před 12 hodinami
We have been running a successful E-hailing business for the past 5 years. here are what you need to become a verified driver. I also share my opinion on which platform is best. 🧡DISCLAIMERS & DISCLOSURES This content is for educational and entertainment purposes only. #southafrica #businessideas #extraincome #financialfreedom #sidehustleideas #personalfinance #uberdriver #boltdriver
Top 10 CARS for Uber/Bolt in South Africa
zhlédnutí 224Před dnem
We have been running a successful E-hailing business for the past 5 years. In this Video, I share 10 cars that are believed to be the best for driving uber/bolt in South Africa. Source johannesburgpretoriacars.co.za/10-best-cars-to-use-for-bolt-in-south-africa-2023-pros-cons/ 🧡DISCLAIMERS & DISCLOSURES This content is for educational and entertainment purposes only. #southafrica #businessideas ...
5 Places to buy cheap Cars for Uber and Bolt in South Africa
zhlédnutí 792Před 14 dny
We have been running a successful E-hailing business for the past 5 years. In this Video, I share where we buy cheap cars to reduce costs and increase returns driving uber/bolt in South Africa. TIMESTAMPS 1:24 Number 5 2:59 Number 4 4:40 Number 3 5:40 Number 2 7:10 Number 1 🧡DISCLAIMERS & DISCLOSURES This content is for educational and entertainment purposes only. #southafrica #businessideas #e...
How to Increase Profit and Returns E-hailing | Make Money driving Uber/Bolt in South Africa
zhlédnutí 179Před 14 dny
We have been running a successful E-hailing business for the past 5 years. In this Video, I share 5 ways you can reduce costs and increase returns driving uber/bolt in South Africa. 🧡DISCLAIMERS & DISCLOSURES This content is for educational and entertainment purposes only. #southafrica #businessideas #extraincome #financialfreedom #sidehustleideas #personalfinance #uberdriver #boltdriver
Make money selling second hand jackets in South Africa| Side hustle idea for South Africans
zhlédnutí 106Před 21 dnem
Make money this winter selling second hand jackets. In this video, I talk about places you can buy clothing bales in South Africa. 🧡DISCLAIMERS & DISCLOSURES This content is for educational and entertainment purposes only. #southafrica #businessideas #extraincome #financialfreedom #sidehustleideas #personalfinance
8 Specific frugal living tips to save thousands
zhlédnutí 96Před 21 dnem
Here are 8 frugal tips that helped me save thousands . TIME STAMPS 00:06 Sustainable lifestyle 03:09 Give it up or Downsize 04:29 Get it free or cheap 06:21 Learn new recipe 07:15 Reduce food waste 08:14 Sharing streaming platform 09:00 Paying lumpsum premiums 09:30 Frugal saving 🧡DISCLAIMERS & DISCLOSURES This content is for educational and entertainment purposes only. #southafrica #frugallivi...
How to build your credit score from scratch in South Africa
zhlédnutí 137Před měsícem
Your credit score is one of the most important factor related to your finances. The sooner you start building it, the better. TIME STAMPS 00:01:39 Check Account 00:02:39 Retail account 00:03:04 Insurance 00:03:32 Credit Card 🧡DISCLAIMERS & DISCLOSURES This content is for educational and entertainment purposes only. #southafrica #creditscore #retailaccounts #financialfreedom #insurance #personal...
A Practical guide to living below your means.
zhlédnutí 97Před měsícem
In this video I share some insights on common areas that we tend to overspend on. TIME STAMPS 00:02:06 Accommodation 00:04:31 Transportation 00:06:33 Food 00:07:44 Entertainments 🧡DISCLAIMERS & DISCLOSURES This content is for educational and entertainment purposes only. #southafrica #businessideas #extraincome #financialfreedom #sidehustleideas #personalfinance
6 Businesses that will never fail in South Africa
zhlédnutí 341Před měsícem
Many small businesses fail withing the first 5 years of operation. Many people are afraid of starting a business due to this. In this video I share 6 businesses that have a higher chance of success in South Africa. TIME STAMPS 00:01:14 Website designing 00:04:19 Buying and selling of secondhand goods 00:06:49 Grocery shopping 00:10:00 E-hailing 00:10:44 E-commerce 00:11:57 CZcams 🧡DISCLAIMERS &...
5 Steps to start a successful Bolt/Uber Business in South Africa
zhlédnutí 2,3KPřed měsícem
We have been running a successful E-hailing business for the past 5 years. In this Video, I share 5 Steps you can take to start and sustain a Bolt/Uber Business. 🧡DISCLAIMERS & DISCLOSURES This content is for educational and entertainment purposes only. #southafrica #sahm #businessideas #extraincome #financialfreedom #sidehustleideas #personalfinance
5 Business Ideas for Moms in South Africa| Make money as a SAHM
zhlédnutí 121Před 2 měsíci
With the rising cost of quality Childcare, most moms are opting to look after their kids until they are school age. with the current economy, it's almost impossible to live on one source of income. here are 5 Business any mom can start to make money while taking care of their children. TIME STAMPS 00:00:49 Daycare 00:02:44 Nany Agency 00:03:58 School Transportation 00:05:34 Thrifting 00:08:16 M...
10 Side hustles for South Africans| Make extra Money in South Africa
zhlédnutí 245Před 2 měsíci
In this Video, I share 10 Side Hustles that can supplement your income in South Africa. TIME STAMPS 1:03 E-hailing 2:34 Deliveries 3:21 Tutoring 4:37 Ride sharing 5:28 Aftercare 7:21 Bar tender/ Waitress 8:13 Women Maintenance 9:26 Room rental 10:34 Wall advertising 11:42 Personal Shopper 🧡DISCLAIMERS & DISCLOSURES This content is for educational and entertainment purposes only. #southafrica #s...
5 Mind Hack to Save Money
zhlédnutí 83Před 2 měsíci
We are constantly bombarded with marketing messages that make us spend our hard earned money on things we do not need. In this Video, I share 5 ways I hacked my mind to spend less so that I can Invest and Save. The content of this video cannot be considered as financial advice. #southafrica #hacks #savemoney #payyourselffirst #moneymindset #moneylaws #frugalliving #frugal #payingoffdebt #credit...
7 Lesser Known Things That Can Lower your Credit Score | Credit score
zhlédnutí 118Před 2 měsíci
Your credit scores determine a lot more than the loans you can get and the interest rates you pay. In this videos, I go over 7 lesser known things that can lower your credit score. *The 7th thing is Using a debit card to rent a car- Rental Agencies can inquire your credit if you decide to use a debit card to rent a car. This inquiry can lower your core. Therefore, always use a credit card to re...
3 Money LAWS| Basic Money Managements| How to win with your money
zhlédnutí 88Před 3 měsíci
3 Money LAWS| Basic Money Managements| How to win with your money
DO THIS FOR AN 800 CREDIT SCORE (5 STEPS) | INCREASE CREDIT SCORE FAST
zhlédnutí 207Před 3 měsíci
DO THIS FOR AN 800 CREDIT SCORE (5 STEPS) | INCREASE CREDIT SCORE FAST
5 Frugal habits to save money| Frugality tips that actually works
zhlédnutí 103Před 4 měsíci
5 Frugal habits to save money| Frugality tips that actually works
5 Lessons Credit Card Beginners NEED to learn| CREDIT CARDS
zhlédnutí 192Před 4 měsíci
5 Lessons Credit Card Beginners NEED to learn| CREDIT CARDS
9 THINGS I STOPPED BUYING TO MAKE MORE MONEY IN 2024
zhlédnutí 457Před 5 měsíci
9 THINGS I STOPPED BUYING TO MAKE MORE MONEY IN 2024
DEBT CONSOLIDATION PROGRAM| DEBT RELIEF| Is it worth consolidating debts?
zhlédnutí 69Před 5 měsíci
DEBT CONSOLIDATION PROGRAM| DEBT RELIEF| Is it worth consolidating debts?
The Proven Way to Pay Off Debt FASTER| DEBT FREE JOURNEY
zhlédnutí 607Před 6 měsíci
The Proven Way to Pay Off Debt FASTER| DEBT FREE JOURNEY
Should you invest or payoff debts?| which one is better
zhlédnutí 103Před 6 měsíci
Should you invest or payoff debts?| which one is better
High-Income Skills to learn this year!
zhlédnutí 281Před 6 měsíci
High-Income Skills to learn this year!
Credit Card Vs Personal Loan| which one is better
zhlédnutí 366Před 10 měsíci
Credit Card Vs Personal Loan| which one is better
5 Things to Know Before Buying A Used Car| Buying a Used Car
zhlédnutí 178Před rokem
5 Things to Know Before Buying A Used Car| Buying a Used Car
Best Credit Cards in South Africa| How to choose a credit card
zhlédnutí 7KPřed rokem
Best Credit Cards in South Africa| How to choose a credit card
Hi Agnes I was put in credit bureaus. It's been 3 months since I paid off the debt. When I contact the credit bureaus, they say the account has been updated and closed and there's nothing from their side. I'm having a challenge opening accounts because of my credit score, any advice on what to do?
@@phakamanijeza9197 Hi! The first thing i would do is start monitoring my credit report on a monthly basis to see how my score is growing. Paying off all your debt will not instantly increase your score. Especially if your accounts were already in arrears. Did you close those accounts that you paid off? If you did, then this will impact your score. Therefore focus on increasing that score before you can apply again. Start using any accounts/credit cards you have responsibly to increase that score ASAP. I have videos on how to increase score faste. Check them out. I hope this helps
Thank you ❤
Very informative
Glad it was helpful!
Hi. Do you have any means for direct massaging? I have some questions
Hi. My email is on my bio.
Getting the right car is everything. The Suzuki Dzire is what I'm using. its cheap and time will tell when it comes to reliability.
Yesss. All the best.
Hi can you use Renault triber as Uber go not XL! Love your content
Yes I'm sure you can! check with uber. you can call them
Stop whining and start doing your own business
Its good and bad that nigerians are understanding but its also fishy
lool. I Wonder why you think it's fishy
Hey . I just found your channel. It is my dream life and very exciting I can’t wait to learn from you Sis🙏🏼❤️
Wonderful! We are in this together
Thank you
I am so. Happy for you ❤
Thank you so much. I can’t wait to also pay off my debts tlhe . I am suffocating. It’s not as bad as you Mara Hei i am not able to keep up. I am certain i have red red everywhere Yoh hai
You got this sis! Thank you for the comment
What is better between bolt and Uber?
commission for Bolt is very high In terms of safety for passengers and drivers Also commission on Uber is reasonable Uber is the better one
Thank you for all the infos
You welcome boo😍
Congratulations on 1k subs. You are doing amazing job Agnes! Hey we are on the mission to help creators and reach to their potential with our experience We are offering lot of packages -Full depth analyzation -Video editing(Weekly reports and 2 strategic planning g in a month_ - Full management suit(Video editing, SEO, Thumbnails, Uploading, Weekly reports , 2 meetings) -My brainer( modify script of your videos so that viewers can remember you long lasting and all above) Regards, Moiz
A whole load of nothing.
Eventually we will reach 1k subs
🙏 Amen! Thank you 😊😊
I would have loved to know about the Pemits? Can you explain, how you managed to obtain yours?
I will make a video on this. stay tuned.
Great content💯💯
Just found your channel❤❤❤ so informative I'm the 990 subscriber 🎉🎉🎉🎉
Thank you my Dear
Awesome!! Just the advice I was looking for.❤
@@martiniquedupreez1439 im glad☺️☺️ Thanks for watching
Hello, thank you for the informative ✨videos. Keep them coming. Please give us an update on your journey with investing on easy equities
Thank you my dear. Yes, I will share my easy equity journey really soon. Thanks for holding me accountable.
Thanks for the video Agnes. The video mostly touches on how to become an E-hailing driver than it does on how to start an E-hailing business. Not for lack of knowledge but you tried to squeeze everything in one video. Like the comments in the section suggests, you can split into different videos like platforms where people can get cars, steps to take to become a verified driver, driving tips when on the platform, comparison of the different E-hailing platforms etc.
Hi Thomas. Thanks for the feedback and suggestions. Well noted and I am working of Series part for this topic.
I've been in this business for about 4 months and I have been seeing the money coming in because I also bought my Uber x car cash. However, I'm thinking of quitting because I am concerned about anticipated rising maintenance costs and depreciation. For me to get my ROI for the upfront payment for the car would take at least 2 years. And after that the car will be very old. 1 year left on the Uber X platform, at this point service costs and reliability would be an issue that would eat into profits. I'm not inclined to cancel my insurance. Whats your approach to the end game? When you get your funds back and remain with a high mileage car and high service costs. I gather that the key is to buy as cheap a car as possible.
Thank you so much for the comment. Yes the key is getting a cheap car. I will make a video about the end game and our approach to car maintenance.
Yhoo driver's give me problems when its time to pay target, i don't know if I'm too soft or what ??but yhoo my last stroke is when the car was involved in an accident and the driver kept quiet and on the tracker I could see its parked for days and he was like "I'm sick" When I saw my car my heart dropped sold that car for spares and I stopped doing uber😢
Thanks a lot gal
It’s a pleasure 😊
Hi sister 1. With your experience, what's your take on car brands in relation to durability mostly looking at the used cars option? What are some of the brands you use? 2. How can one get hold of you for more insight if possible? Thanks
Polo Vivo is very strong m driving mine from 2013...the key is to service it regulary
You are amazing ❤
Hi Agnes. Please make a video of places you can get cars to put on platform, for example, salvage car that needs to be fixed as you spoke about it on your video. I know we asking a lot😁, but I enjoy your content😂😂
Hi Thapelo! Thank you for your comment. Definitely, that video is coming up.
Nice presentation
Glad you liked it
Invest in a microphone. I wanted to listen but I can barely hear you.
Thanks for the feedback. I'm sorry my sound is poor. I have indeed invested in a microphone. My latest videos have good sound.
I'd love to drive one of your cars
Hi Agnes. Id like to ask. How many cars do you have on platform? I think profit margins also veries on the number of cars you have.
We have 4 cars. Yes certainly, we making more money than we did when we had two cars. the other thing is also that we don't have car repayments since our cars are bought cash.
@@thejourneywithagnes thank you for the response.🤝
Thank you 😊🙏🏾
Thank you for your info is it possible for me to start if I have a job paying from 8000 with credit score 650
I think you can qualify for a car if that's what you are asking
Hi Agnes, thank you so much for your video. It’s very informative. I just have a few questions because this is a business I’ve been interested in for a while: 1. How much is insurance and which company do you use for cheaper e-hailing insurance? The ones I’ve seen are very expensive and makes the business unprofitable if you gonna get a new car and give it to a driver. 2. When you buy the salvaged cars, how much do you roughly get them for and how much do the repairs normally cost? 3. How much do you charge your drivers per week? Thank you for your time
Hi Lydia Thanks for the comment. 1. yes you have to be diligent when shopping for insurance. we used oaksurance when we started but we stopped using insurance. like I explained they might need third party cover when you are signing up, but you can cancel it once you are on the platform and use normal insurance. Since we bought our cars cash, we are not required to have insurance... I know it is risky but this is the risk we decided to take. We keep an emergency fund of about R5000 for rainy days. If your car is financed then you are required to have insurance. 2. We paid R37k for one of our cars and spent about 10k for repair. the pricing is based on the year model and the state of the car. 3. our drivers cash in R1800 weekly. But when my husband works fulltime on busy days, he makes about R3000 per week.
Can you help me please
Hey! Please note that Im not a Financial advisor. What do you need help with?
Hi contact me please
New subbi 🎉🎉🎉hair plug please
Thanks girl! The hair is from Dragon city, Johannesburg
I cant hear you. Skip. sorry
Sorry about that. my latest videos have good sound.
Please do a video of velocity banking
Thank you for the suggestion. I’m working on it 🙏
❤❤❤❤
I recently got my credit card and have contemplated closing it. So glad I watched this before making any decision.
Yeeeees! Dont close it. Use it responsibly
Hello sesi would you help me a bout my credit score, in 2019 I got scammed on my jet account, I open a case they close the account, the problem is now is back to my credit score they say I did a payment on February and I never pay that account I'm so worried course I do pay my account in time I also have a absa credit card
Hi there. Sorry to hear this. if you have account on your report that are fraudulent, you have to contact Transunion. I hope this helps.
Thanks
czcams.com/video/hAalotgU1Bs/video.htmlsi=ZLF53qtJCbUCqf0N
This is so helpful, thank you so much!
You are welcome. Thanks for watching and leaving a comment.
Thank you for sharing, this video is so helpful!!!
You are so welcome!🙏