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Finance and Marriage

When you are looking into building a future with someone, be it in relationships, or going as far as marriage, it is crucial to get your financial game on point.

There is nothing as beautiful as two people who are head over heels with each other, who also take time to discuss their finances and planning together as well.

At the end of the day, relationships are not about butterflies, there are crucial aspects that will enquire proper financial planning, to have a more fulfilling marital journey.In an interview with WeekendLife, self-proclaimed Financial Doctor Kago Keotshwaetse, highlighted why financial knowledge is key in any relationship and marriages.

Before you jump into that proverbial land of marital bliss, it is time to have some conversations with your spouse-to-be about money and pre-marital finance counselling. When you are dating your loved one, and about to get married, you drift into a world of pure bliss where none of the worries or responsibilities can bug you.

You are far from the reality where a financial checklist before marriage or finance harmony is not even on the list, he said.But, pre-marriage financial counselling is absolutely a serious matter which doesnt deserve to be missed before you tie the knot. The number one reason that marriages end in divorce today is, without a doubt, money problems.

Whether it be the lack of communication about personal or joint finances, own spending habits, the lack of sufficient income to support the desired lifestyle, or individual financial situations that stem from each persons life before their relationship with one another, financial issues are the crux of the majority of marital problems.

Premarital financial counselling allows to both partners to establish their financial goals, debts and setting a joint budget. This is to avoid financial stress and tension.Perhaps even more importantly, pre-marriage financial counselling can guide couples to prepare their premarital questionnaire. This will help them to learn what questions on marital finances to ask.

Couples financial counselling and premarital financial planning can help both partners learn how to ask uncomfortable questions about current and past financial habits and issues, Keotshwaetse explained.


1.Combine or separate?
Although some couples keep different accounts, some prefer to have a joint account. It is always important for couples to decide whether they combine or separate their accounts. Some couples maintain separate bank accounts, have designated certain expenses that each are responsible for, and pretty much operate under the mantra what he/she does with his/her money is his/her own business. Others prefer to function with joint accounts with one or both partners overseeing all financial obligations, Keotshwaetse said.

2.Short term and long term financial goals?
Establishing financial priorities together is always key, also considering your monthly budget.
Are you willing to cut back on dining out so that you can afford to stay at the on-site resort during your next vacation? Or are you perfectly happy staying at the budget-friendly motel off-site so that you can have your weekly dinner date at your favourite pricey restaurant? Whats the bigger priority ensuring your budget includes weekly shopping trips for the newest clothes and gadgets, or saving up for your first home, paying your cell phone bills, and have hot water?

What about those longer-term goals, such as paying for your future childrens needs and wants (preschool tuition, new bikes, clothes to cover their ever-growing bodies), the cost of higher education, etcetera? Do you plan on paying their way 100%, just covering tuition, or making them earn their way through college with scholarships and jobs? he asked rhetorically.

3. What are you going to talk about in your budget?
While it could be uncomfortable to discuss financial matters in relationships, it is also healthy to discuss financial matters, to have a healthy financial flow.A quick update or touch-base with each other on how you are doing with sticking to your monthly budget, any significant progress or roadblocks with relation to your short and long-term goals, etc. will go a long way towards solidifying your financial relationship and situation, he said.

4. What are your savings plans?
While many new couples today dont believe that having a savings plan is necessary, especially with many living from pay check to pay check, saving is a crucial part of managing your marriage and finance.
Nobody is indispensable, and if you think that you or your significant other have an entirely secure job and that nothing could happen, think again.

There is a very good chance that one or both of you will be impacted by job loss at some point in your lives at least once. Its essential to have about 3-6 months of savings tucked away for when the inevitable occurs.

Have a savings budget in your monthly expenses budget, and take that money out first, before anything else, so that you do not cave to the urge to spend it with the mind-set of oh we will just add a little extra in next month.

Discussing finances before you walk down the aisle removes one more of those fun surprises you are about to encounter. So, it is therefore not a bad idea to go for pre-marriage financial counselling sessions much before you begin your actual wedding preparations, Keotshwaetse concluded.

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Creatives taking over 2023

26th September 2023

Creativity is seen everywhere and these individuals did something recently that’s never been done before, and some are still killing it. We see creativity on streaming platforms, stages, runways, social media and boardrooms even. Some of them are revamping their businesses, and lately, clothing sale is thriving.

They love concept-driven designs, storytelling and they bring fresh ideas and new perspectives that will leave footprints in the sand. Post the COVID-19 pandemic, these creative minds utilized the drawing board and they became cognizant that monetizing content will actually take them far, which is frank nonetheless.

This is commendable though, but the creative industry will still need support from government in order for it to flourish further. Allocation of resources (funds, facilities and empowerment) should be done consistently, creativity must be raised and at the end of the day, the economy benefits from that kind of investment.


Ever since he parted ways with his former manager, DJ Bougee Sid, Mahalapye born-pint sized, multi-award-winning artist, Hanceford Magapatona has been taking up space, unapologetically so. Han C has shown a strong will to take over the entire world, and he is in the right direction. He’s solely organizing the annual Mahalapye Spring Festival, which is taking place next weekend.

The Pepetetsa hitmaker raked some monies from his savings to put together this event. Mahalapye Spring Festival will feature Paige, Ubuntu Band, Khoisan, Amantle Brown and Double Up among others. Even though it didn’t come as a surprise, Han C was nominated at African Muzik Magazine Awards (AFRIMMA) in the US, under Best Male Southern Africa category.

However, the award was snatched by the late South African rapper, AKA. Its not all lost as Han C secured two nominations at the Yarona FM Music Awards (YAMAs): People’s Choice of the Year and Best Male Single.


This entrepreneur has turned his dreams into reality, and his promising apparel business is now a fashion destination. Matter of fact, Motswagole weathered the storms to be where he is now because through criticism and social media bullying, he still leads the pack in fashion.

His social media accounts got deleted but through his online store, KM Sales, Motswagole is able to rake in some profits. He initially started selling from his car but now owns a busy store and has employed a number of young people.

KM Sales has been offering fashionable items (shoes, t-shirts, pants) and has been participating in various lifestyle events such as Garden of Drip where it showcases its products.

If there is one young entrepreneur to draw motivation from is Koketso. The business started from humble beginnings, at the time when he worked part time at Ipelegeng as a casual labor. Indeed, good things come to those who wait, or well, work like a slave today, live like a king tomorrow.


Vee Mampeezy’s ex-wife Kagiso De Klerk clearly did not sit and weep over their dramatic divorce. The famous social media influencer hurriedly picked up the pieces and went hard on promoting business online. She literally took social media influencing to the head and it is working for her.

This year saw her partnership with Shell reach greater heights, and obviously, she is raking lot of pulas from the deal. Kagiso has been making frequent appearances in top events in South Africa such as Bubbles in Spring and Gold and Diamond Experience.


After a long break from the limelight, renowned media and radio personality, Gaona Dintwe is back. She was missed by many on TV, and she’s back where she belongs, news anchoring on BTV. Gaona has also found a niche in podcasting. She is a host of her own podcast, Gaona Live Conversation, where various people share their stories on camera.

Some of what they discuss is Gender Based Violence (GBV), polygamy and drug addiction. This is highly commendable because even BTV doesn’t have programs that discuss these crucial social issues. The Lentswelemoruti native is also seen in various corporate events where she is engaged as a host.






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26th September 2023

Now that one-man shows are made fashionable, traditional dance guru and ex-convict, Ditiro Leero is joining the crusade and he will be hosting his also. The show will be held next month at Zone 4 Farm in Selokolela, but the there are traditional dance music artists who have been lined up to perform at the show. Matshana, Morwa Leka and Maswailathota will be doing their thing and probably bring some heat too. Ditiro Leero will be making history as the first traditional artist to host a one-man show in Botswana.

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26th September 2023

With only two months before Miss World 2023, the reigning Miss Botswana, Lesego Chombo is having many irons in the fire, preparing for the much-anticipated beauty pageant. Miss World 2023 will be the 71st edition of Miss World pageant and it will be held in India. Chombo has been spotted toning her body at Jack’s gym, a requirement that is taken seriously at the pageant. She has also been participating in charity events, something that should add to her profile at the Miss World.

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