Money with Carla Money with Carla

Can You REALLY Afford It? How to Make Big Purchases Without Regrets

Loading player...
The Money System I Use:
https://youtu.be/qxiDtoAaouM?si=_OlhAthb5k8leTrn

In this episode, Carla talks about when you can REALLY afford something, when it's best to buy something cash or with a loan, and lifestyle creep.
Chapters
  • 00:00 Intro
  • 00:28 How do I know when I can actually afford something?
  • 01:38 The balance between overspending and over-investing
  • 02:55 How much to invest and how much to put towards an improved lifestyle
  • 03:40 Is the boat worth it?
  • 08:16 Buying a car outright vs. financing
  • 10:50 Should you finance big purchases for your business?
7 Sep 2025 English South Africa Investing

Other recent episodes

Saving is NOT going to make you rich. Here's why

Sign up for my FREE masterclass: https://learn.moneywithcarla.com/registration-page-256ef41f-876a-45bd-9817-b684d547598d Saving is taught as the "most responsible" financial behaviour. But does it build wealth, or just give you a false sense of security? In today's episode, I'm talking about saving vs. investing, and why you shouldn't play it safe. Disclaimer: Content produced by…
22 Feb 10 min

Should You Pay Off Your Mortgage Or Invest? (Detailed Analysis)

Join my FREE masterclass: https://learn.moneywithcarla.com/registration-page-256ef41f-876a-45bd-9817-b684d547598d If you have extra money available each month, should you rather use it to pay off your mortgage early, or invest it in the stock market? Today I'm analysing multiple options to help you decide. Disclaimer: Content produced by Money with Carla is intended as…
13 Feb 23 min

Every South African Needs This Investment Account

Sign up for my FREE investing masterclass: https://learn.moneywithcarla.com/invest-masterclass-opt-in-feb-2026-1 Every South African needs this investment account. Even though there are contribution limits, it gives you unlimited tax-free growth. It's called a Tax-Free Savings Account or TFSA, and in today's episode I'm showing you how to get the most out of it…
8 Feb 9 min

Stuck In High-Fee Investments? 6-Year Rule

Sign up for my FREE Investing Masterclass: https://learn.moneywithcarla.com/invest-masterclass-opt-in-feb-2026-1 I always preach this: Keep your fees low to maximise portfolio growth. But what if you're already invested in high-fee products? Today I'm introducing my 6-year rule for exiting high-fee products. Disclaimer: Content produced by Money with Carla is intended as educational…
31 Jan 2027 7 min

How To Prep For Retirement At Age 40+

Get your FREE Financial Freedom Calculator here: https://learn.moneywithcarla.com/financial-freedom-calculator If you're starting to plan for retirement and you feel behind, or like it's "too late," this week's episode is for you. I run you through my SAFE framework for retirement planning: 4 steps to help you set yourself up for a…
25 Jan 11 min
All episodes