MONEY WITH GERALD MWANDIAMBIRA CFP

We all know the basics of money management: save, avoid debt, and plan ahead. Yet, so many people still find themselves overspending, stuck in debt, or drifting from their financial goals. Why?In this episode of #OnTheMove with Palesa Tau and Benjamin Moshatama, we unpack the hidden forces behind financial self-sabotage. From instant gratification and lifestyle pressures to cultural expectations and self-worth, money struggles often run deeper than numbers.

How can one enjoy the finer things in life and be entertained on a shoestring budget? Can one have fun when funds are tight? Gerald and the team discuss the pros and cons of entertainment on a tight budget.

What is the Snowball method? What is Avalanche method? What are the different ways of getting out of debt . A brief look at how to pay off debt on Metro FM.

Tax Season 2025 is upon us. Should you file your annual returns, what are the things to look out for, how can you avoid the stress and drama? Gerald and The Breakfast Team unpack on "Money Babies".

Gerald on 5FM chats to the Breakfast team on Money Babies. The question is how to value assets and the methods to use. An interesting introduction to valuing assets . Market Value, Discounted Cash Valuation, Depreciation ... what does it all mean. What is the best valuation method.

Follow the Money on Metro FM South Africa. We discuss the pros and cons on a Mutual Fund. Should you save using a collective investment, when to invest and how long?

Gerald, Pabi and guests discuss the alarming increase in mental illness cases and the associated costs. Is it more affordable to treat an illness versus prevention, and if you have no funds? Listen and find out..

Gerald and Pabi Moloi discuss the pros and cons of Debt Review under The National Credit Act. Should you consider debt counselling?

Tshego Moagi was in conversation with Award Winning Financial Entrepreneur, International Speaker And Author  Gerald Mwandiambira 

These days getting a tertiary education is expensive. And we're not just talking about degrees in medicine or courses at private institutions . You could rack up a pretty hefty bill studying almost any subject. But with some dedication, a little compromise and some out of the box thinking, one can ensure that they get a great education without breaking the bank.We spoke to a financial planner and CEO of Sugar Wealth Creek, Gerald Mwandiambira.

THE PRICE OF DECEPTION - HOW FAKE MILLIONAIRE MENTORS SCAM PEOPLE OUT OF THEIR HARD-EARNED MONEY – THE SAMUEL ONUHA STORYPabi Moloi Was In Conversation With AWARD WINNING FINANCIAL ENTREPRENEUR, INTERNATIONAL SPEAKER AND AUTHOR  GERALD MWANDIAMBIRA & NIRMALA GOPAL POLICING AND CRIME EXPERT

Is it a good idea to pay off your homeloan or mortage bond quickly. Gerald and the BEST MORNING breakfast team have a quick chat on the benefits of paying off your Bond quickly.

Pabi Moloi was in conversation with Award Winning Financial Entrepreneur, International Speaker And Author  Gerald Mwandiambira. We discuss the pros and cons of having a Credit Card.

The world would be an awful boring place if we were all the same, so it's OK to have different attitudes and philosophies towards money. What's important is being able to communicate those feelings and to understand your partner's habits and tendencies. Financial honesty is one of the toughest things in a relationship, but it can be done.  We got tips from Gerald Mwandiambira, a personal finance expert on how to manage money conflicts in relationships.

Does your money personality change over the holidays? How does down time influence your financial behavior? We discuss things to consider over the Christmas holiday We are deep in December celebrations and there is something about the festive season's excitement that comes with the temptation to overspend, be it on gifts, holidays, or celebrations. We speak to Gerald Mwandiambira on how to understand your money personality so that you can make responsible spending decisions this December and into 2025 --- Support this podcast: https://podcasters.spotify.com/pod/show/gerald-chemunorwa-mwandia/support

Pabi Moloi was in conversation with Director Of Atlas Finance  Brett Caminsky &  Award Winning Financial Entrepreneur, International Speaker And Author  Gerald Mwandiambira on Smart Financial Planning For 2025: Key Steps To Take Before 2024 Ends for Money Monday. --- Support this podcast: https://podcasters.spotify.com/pod/show/gerald-chemunorwa-mwandia/support

Tshego  Moagi was in conversation with Director At R-J-S Attorneys Inc, Reitumetse Senaoana &  Award Winning Financial Entrepreneur, International Speaker And Author  Gerald Mwandiambira on The Importance Of Financial Planning For Death: Ensuring Your Children's Future --- Support this podcast: https://podcasters.spotify.com/pod/show/gerald-chemunorwa-mwandia/support

Gerald and the Breakfast Team discuss First Home Finance, formally known as FLISP. This housing Subsidy is available to all South Africans and permanent residents. --- Support this podcast: https://podcasters.spotify.com/pod/show/gerald-chemunorwa-mwandia/support

Does true love still exist, or are all relationships now just financial arrangements. Are you, or do you know someone who is choosing Money over Love? Would you date a broke person. Gerald and The Big Breakfast team discuss. --- Support this podcast: https://podcasters.spotify.com/pod/show/gerald-chemunorwa-mwandia/support

Debt Counselling or Debt Review are options to reduce monthly repayments on Debt. Are they a good idea Though? Gerald and the Big Breakfast Team discuss the pros and the cons. --- Support this podcast: https://podcasters.spotify.com/pod/show/gerald-chemunorwa-mwandia/support

With the increase in the cost of living, Private School Fees are becoming a burden to many families. Is there another way to access quality education without breaking the bank. Gerald and the Big Breakfast team discuss. --- Support this podcast: https://podcasters.spotify.com/pod/show/gerald-chemunorwa-mwandia/support

Gerald and Pabi discuss the reality of being a young varsity graduate. The pros and cons, and finances of a young person starting out in life. --- Support this podcast: https://podcasters.spotify.com/pod/show/gerald-chemunorwa-mwandia/support

While every South African child has a constitutional right to a basic education, there are still many challenges that prevent equal access for all, especially in tertiary and higher education. Education protection policies are supposed to grow in line with the costs of education each year to cover the actual costs of education. We are in conversation with Certified Financial planner, Gerald Mwandiambira as we unpack  educational policies, how they work and whether it's worth investing in one.but most importantly what do you do if you feel you have been hard done by an insurer.  --- Support this podcast: https://podcasters.spotify.com/pod/show/gerald-chemunorwa-mwandia/support

Most people expect banks to be one of the safest places to keep their money, and the people that work in these institutions to be of the highest integrity. This conversation with Pabi Moloi on Power FM looks at Banks and if they truly are as safe as they should be. Do you trust your bank? --- Support this podcast: https://podcasters.spotify.com/pod/show/gerald-chemunorwa-mwandia/support

A follow up episode on the TWO POT PENSIONS system being introduced in South Africa on 1 September 2024. Radio 2000 callers call in on The Big Breakfast with DJ SBU, Lelo and Nathi with Gerald answering the financial questions. --- Send in a voice message: https://podcasters.spotify.com/pod/show/gerald-chemunorwa-mwandia/message Support this podcast: https://podcasters.spotify.com/pod/show/gerald-chemunorwa-mwandia/support

On 1 September, the pensions savings law in South Africa will change. A "two pot" system of savings will be used which allows one withdrawal. The Big Breakfast on Radio 2000 tackled this topic with Gerald Mwandiambira, the resident financial expert. --- Send in a voice message: https://podcasters.spotify.com/pod/show/gerald-chemunorwa-mwandia/message Support this podcast: https://podcasters.spotify.com/pod/show/gerald-chemunorwa-mwandia/support

Do you have more than one relationship? What is the cost of maintaining multiple relationships and is it worth it? Gerald and the team discuss the pros and cons financially of being a cheater. --- Send in a voice message: https://podcasters.spotify.com/pod/show/gerald-chemunorwa-mwandia/message Support this podcast: https://podcasters.spotify.com/pod/show/gerald-chemunorwa-mwandia/support

Gerald chats with Kgopedi about Money, wise Financial deceisions and surviving . This interview from 2019 is a goodie from The Vault. --- Send in a voice message: https://podcasters.spotify.com/pod/show/gerald-chemunorwa-mwandia/message Support this podcast: https://podcasters.spotify.com/pod/show/gerald-chemunorwa-mwandia/support

Data from Floatpays, an early-wage payment solutions provider, has found that 76% of South Africans regularly run out of money before the end of the month, and more than half run out halfway through the month. Gerald Mwandiambira talks to Faith Mangope about theimportance of saving and investing our money to make it through the rainy days. --- Send in a voice message: https://podcasters.spotify.com/pod/show/gerald-chemunorwa-mwandia/message Support this podcast: https://podcasters.spotify.com/pod/show/gerald-chemunorwa-mwandia/support

In a world where unexpected fortunes can seemingly appear overnight, the exhilaration of newfound wealth often eclipses the need for prudent financial planning. Whether it's winning the lottery, receiving a windfall inheritance, or striking gold in the stock market, sudden wealth can be both a blessing and a curse if not managed wisely. As exhilarating as it may be to contemplate the endless possibilities that come with a substantial sum of money, it's crucial to approach this windfall with caution, foresight, and sound advice. Gerald and Pabi Discuss --- Send in a voice message: https://podcasters.spotify.com/pod/show/gerald-chemunorwa-mwandia/message Support this podcast: https://podcasters.spotify.com/pod/show/gerald-chemunorwa-mwandia/support

In this conversation, we speak about investment policies and their terms and conditions which people often do not take seriously, but also why an insurer would decline a payout, and what to do when you are not happy with your insurer. Pabi and Gerald discuss the importance of understanding your financial contracts (policy documents). --- Send in a voice message: https://podcasters.spotify.com/pod/show/gerald-chemunorwa-mwandia/message Support this podcast: https://podcasters.spotify.com/pod/show/gerald-chemunorwa-mwandia/support

The death of a loved one is a traumatic experience. It is even more traumatic to find out that they left you debt. When is this debt passed to you when is is it not your responsibility? Gerald an Touch discuss a listeners voicenote. --- Send in a voice message: https://podcasters.spotify.com/pod/show/gerald-chemunorwa-mwandia/message Support this podcast: https://podcasters.spotify.com/pod/show/gerald-chemunorwa-mwandia/support

What is the principal behind giving financially. Is there a correlation why the biggest givers also happen to the wealthiest people on the planet. Does giving trigger wealth, or is it the wealth that triggers giving. Either way, we cannot ignore the close relationship between giving and accumilation of more wealth. Nathi and Gerald discuss this on the Morning Buzz. South African leading public broadcaster breakfast show. --- Send in a voice message: https://podcasters.spotify.com/pod/show/gerald-chemunorwa-mwandia/message Support this podcast: https://podcasters.spotify.com/pod/show/gerald-chemunorwa-mwandia/support

When life happens and you face challenging financial times, when is it appropriate to share this information with children? Should your children even know about any financial challenges that you face? Nathi and Gerald discuss this topic. --- Send in a voice message: https://podcasters.spotify.com/pod/show/gerald-chemunorwa-mwandia/message Support this podcast: https://podcasters.spotify.com/pod/show/gerald-chemunorwa-mwandia/support

Spring cleaning your finances involves evaluating and organizing your financial situation to ensure efficiency and effectiveness. Gerald Mwandiambira speaks to Pabi Moloi. --- Send in a voice message: https://podcasters.spotify.com/pod/show/gerald-chemunorwa-mwandia/message Support this podcast: https://podcasters.spotify.com/pod/show/gerald-chemunorwa-mwandia/support

Nathi and Gerald discuss the joys of being a parent. How much does it cost to have a baby in 2024. The Morning Buzz team on the leading breakfast show in South Africa have a chat. --- Send in a voice message: https://podcasters.spotify.com/pod/show/gerald-chemunorwa-mwandia/message Support this podcast: https://podcasters.spotify.com/pod/show/gerald-chemunorwa-mwandia/support

Your tax affairs do need to be a hinderance or scary topic. Take control of your taxes and reap the benefits. Touch and Gerald discuss the importance of understanding you tax matters. --- Send in a voice message: https://podcasters.spotify.com/pod/show/gerald-chemunorwa-mwandia/message Support this podcast: https://podcasters.spotify.com/pod/show/gerald-chemunorwa-mwandia/support

As a general rule, prescription occurs when a debtor's liability to pay a specific debt is extinguished as a result of the passing of a prescribed time period. As soon as a debt prescribes, a debtor is no longer under any obligation to pay it. It is still legal for the creditor to demand payment or even sue for a prescribed debt. The debtor will then, however, be able to raise the defence of prescription. It is for this reason, that debtors need to be aware of prescription – to protect themselves from debts they are no longer liable for. On the other hand, creditors must also be cognizant to pursue claims timeously. Gerald and Touch discuss a caller voicenote on this topic. --- Send in a voice message: https://podcasters.spotify.com/pod/show/gerald-chemunorwa-mwandia/message Support this podcast: https://podcasters.spotify.com/pod/show/gerald-chemunorwa-mwandia/support

Many of us are afraid to negotiate prices when buying items, but what most also most do not know is that the higher the price, the more negotiable the item. Nathi and Gerald discuss the pros and cons of negotiating prices for things that you purchase with YOUR MONEY. --- Send in a voice message: https://podcasters.spotify.com/pod/show/gerald-chemunorwa-mwandia/message Support this podcast: https://podcasters.spotify.com/pod/show/gerald-chemunorwa-mwandia/support

In this impromptu chat, we discuss exclusion of black people from buying properties in certain areas. Touch and Mr G discuss the harsh facts of buying premium property in post apartheid South Africa. Mr G and Touch are both professional Property Practitioners. --- Send in a voice message: https://podcasters.spotify.com/pod/show/gerald-chemunorwa-mwandia/message Support this podcast: https://podcasters.spotify.com/pod/show/gerald-chemunorwa-mwandia/support

Debt Counselling is an important tool used to lower monthly debt repayments. It is a process that is however being abused and many people do not trust the system. Touch and Gerald discuss the facts on Debt Counselling and whether it will work for you? --- Send in a voice message: https://podcasters.spotify.com/pod/show/gerald-chemunorwa-mwandia/message Support this podcast: https://podcasters.spotify.com/pod/show/gerald-chemunorwa-mwandia/support

Is medical aid worth it? With the rising cost of living, how can I maintain Health Insurance? Should I cancel? Touch and Gerald discuss the pros, cons and challenges of Medical Aid. --- Send in a voice message: https://podcasters.spotify.com/pod/show/gerald-chemunorwa-mwandia/message Support this podcast: https://podcasters.spotify.com/pod/show/gerald-chemunorwa-mwandia/support

We all know the phrase "Time is Money". How can you make the most of your time and create wealth or Income? Gerald and The Morning buzz Team Discuss. --- Send in a voice message: https://podcasters.spotify.com/pod/show/gerald-chemunorwa-mwandia/message Support this podcast: https://podcasters.spotify.com/pod/show/gerald-chemunorwa-mwandia/support

Gerald and Lerato Kganyago standing in for Tbo Touch discuss tge consequences of a default judgement and missing installments. --- Send in a voice message: https://podcasters.spotify.com/pod/show/gerald-chemunorwa-mwandia/message Support this podcast: https://podcasters.spotify.com/pod/show/gerald-chemunorwa-mwandia/support

A caller needs help clearing their credit cards. She already spends almost half her salaray paying just the minimum payment Required. How can she actually start eating into the money she owes and take control of her finances. --- Send in a voice message: https://podcasters.spotify.com/pod/show/gerald-chemunorwa-mwandia/message Support this podcast: https://podcasters.spotify.com/pod/show/gerald-chemunorwa-mwandia/support

Why do banks charge for their services? An how do you choose tthe best bank for your lifestyle? --- Send in a voice message: https://podcasters.spotify.com/pod/show/gerald-chemunorwa-mwandia/message Support this podcast: https://podcasters.spotify.com/pod/show/gerald-chemunorwa-mwandia/support

Glenn , Nathi and Lelo chat with Gerald about the best plan for your 13th pay check or bonus pay packet? What is the best plan for your cash? --- Send in a voice message: https://podcasters.spotify.com/pod/show/gerald-chemunorwa-mwandia/message Support this podcast: https://podcasters.spotify.com/pod/show/gerald-chemunorwa-mwandia/support

Geralds and the Touchdown team discuss how currency manipulation affects you and me? Is it something to really worry about or a storm in a teacup? --- Send in a voice message: https://podcasters.spotify.com/pod/show/gerald-chemunorwa-mwandia/message Support this podcast: https://podcasters.spotify.com/pod/show/gerald-chemunorwa-mwandia/support

Touch and Gerald discuss the listener voicenote, she is considering joining a stokvel or Investment Club. Is it worth it? Are these Clubs not for Grannies and old women? The new generation of stokvels is buying stocks and Time share holiday units. Are you part of this new generation? --- Send in a voice message: https://podcasters.spotify.com/pod/show/gerald-chemunorwa-mwandia/message Support this podcast: https://podcasters.spotify.com/pod/show/gerald-chemunorwa-mwandia/support

Do you know what your trigger status symbol is? And when will you choose to be wealthy? When will you know that you are Wealthy? Money is about the decisions you make.... --- Send in a voice message: https://podcasters.spotify.com/pod/show/gerald-chemunorwa-mwandia/message Support this podcast: https://podcasters.spotify.com/pod/show/gerald-chemunorwa-mwandia/support

We all waste plenty of food, especially perishable food. How can we manage the wastage and in turn also save in our finances? Lelo and Gerald discuss this topic on The Buzz Breakfast Show. --- Send in a voice message: https://podcasters.spotify.com/pod/show/gerald-chemunorwa-mwandia/message Support this podcast: https://podcasters.spotify.com/pod/show/gerald-chemunorwa-mwandia/support