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 doesn’t 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 person’s 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.
PREMARITAL QUESTIONS ON FINANCIAL MATTERS
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? What’s 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 children’s 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 don’t 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. It’s 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.
The COVID-19 pandemic has altered the way the world moves, actually, it has it at a standstill.
The impacts of this deadly virus are massive, and the only way to curb it from spreading is through social distancing and maintaining a healthy lifestyle.
The pandemic had gym rooms closed to avoid crowding by fitness enthusiasts. However, some have come up with alternative ways of keeping fitness rolling even in the midst of this plague.
Prominent fitness trainer and certified sports psychologist, Chyna Mokaila couldn’t be at a standstill from working out with clients, even in the middle of a deadly virus. He has since started an online training program dubbed CMFit Virtual fitness.
The program begun during the first lockdown implemented in March 2020, but because there was no revenue coming in, the young lad had to go back to the drawing board and come up with something tangible to earn him monies.
He told Weekendlife in an exclusive interview this week that; “I had to make a sustainable solid plan that would see me doing what I do best and continue my work with or without lockdown and COVID-19. This made me tap into other markets and countries throughout the world. Currently, I have clients as far as the US, Canada, Austria, Italy, and neighbouring South Africa and Zambia.”
Chyna says the online fitness training has proven to be less risky in exposing oneself to the virus, as they get to training at the comfort of their homes with less contact.
“COVID-19 has brought a lot of sadness, depression and unhealthy habits because of being restricted to lockdowns. It goes without saying that staying fit helps individuals with depression and offers a feel good atmosphere.
Health should be our number one priority at this current moment, and the only way it can be done is virtually. People have learnt to embrace technology so we might as well divert our services to such platforms.”
Virtual fitness is cost effective, according to Chyna. “Although you get the same feel and package which comprises of consultation, nutritional guidelines, assessments and the actual training program the only difference is that the trainer is not there physically with you but virtually.”
Nutrition plays a very critical role in blocking viruses that could alter how the body system works. The right amounts of nutrients reduce risks of non-communicable diseases, increases energy levels to perform better and fight infections. Scientists say COVID-19 critically affects those with underlying health conditions.
Chyna told Weekendlife that he envisions reaching out to the world market, indicating that he will be having his training programs online as he has seen an opportunity in the digital space.
“This will start with repackaging my brand so that it is at par with the best in the world, hence why I have moved from Chyna’s kata-Bo to CMFit which provides more detailed programs anyone can do on their own- following my virtual programs.”
In his rigorous efforts to help people realize the significance of an active and healthy lifestyle, Chyna has collaborated with the BTV Morning Fitness Show and Yarona FM’s Fatboy Challenge which saw him landing another health segment with the radio station.
The fitness enthusiast has also worked with the senior men’s and women’s national football team, as well as the karate team as the conditioning coach. Internationally, Chyna has collaborated with Essence Events from the United States.
His core duty was to travel Africa promoting active lifestyle and health.Chyna is currently a conditioning coach for Township Rollers, an engagement that sees him guide and work with the team, keeping them at pick in terms of their fitness levels.
This enables them to cope with the demands of the game without fail throughout the season.
The country’s biggest beauty pageant, Miss Botswana, has eroded over the years. Beside the fact that crowned Queens dismally fail at Miss World year-in-year-out, the pageantry itself has been losing its shine in terms of organization, implementation and just throwing a glamourous event like it used to do before producing little to no tangible results.
Of course it started in 2018 when Miss Botswana was just disorganized and boring. The event was held at Masa Square Hotel, when only three participants battled it out for the blue crown.
Moitshepi Elias was crowned the princess that Friday night. That was technically the last time we saw her smile because, even if she did at Miss World, her smile wasn’t convincing enough.
The judges felt she was not good enough, as she was not even close to Top 40. In the history of the pageant, Miss Botswana 2010; Emma Wareus and Miss Botswana 1997; Mpule Kwelagobe are the only queens to be remembered as those who made a great impact as they reached top positions at Miss World and Miss Universe. Wareus was crowned the first runner up, while Kwelagobe snatched the title to become Miss Universe 1999.
Miss Botswana 2020 could not be held due to the COVID-19 pandemic, something that left beauty pageant analysts stunned. Some feel this is a huge setback for the organizers, Development Advance Institute (DAI). This organization took over in 2018 and came with a plan for Miss Botswana, in which they strive to give the pageant a facelift.
Prominent beauty pageant analyst, Morekolodi Smith, told Weekendlife that a gap year delayed the implementation of the plan. “DAI aimed at revamping the organization, bidding to host Miss World and it will be tough to reach those aspirations due to this year gap. It still has to work on the reputation of Miss Botswana which has been deteriorating for years.
DAI promised a new era for Miss Botswana, I had expectations that they will crown a well-rounded girl who can bring glory to this country. With everything on hold and zero communication on what to expect, I see failure. The silence and inactivity is almost eerie. I wouldn’t be surprised if DAI drops Miss Botswana and another organization takes over.”
Smith says part of Miss Botswana could be held virtually, to avoid the stillness and dropping in rankings. “Auditions, short-listings and preliminary interviews could be held virtually but not the actual final show. There is no need for the final show to be held virtually because traditionally Miss Botswana is never contested by more than 50 girls. The number is always narrowed to 12 and 16.”
He explained that the selection committee could go through all applications and select the Top 15, adding that the 15 would then be profiled in-depth followed by official photoshoots and glam shots. “They could then take part in multimedia campaigns and host webinars.
Pre-recording the swimsuit and evening gown preliminary competition as well as featuring contestant video profiling could add magic. This is the time to maximize on video content.”Smith says there could be talent segment where contestants showcase their talent to entertain, and it could be recorded and each contestant’s video can be uploaded on social media for online audience and the public gets to vote for their favourite, and the winner gets to perform during the final show.
“Then the final show can be streamed live on social media platforms. Miss Botswana could have all Top 15 contestants do an opening number, followed by self-introductions then their short video profiles played. It can feature live onstage swimsuit and evening gown competition.”
After the swimsuit and evening gown competition, Smith said the question and answer session could be held, leading to crowing of the next Miss Botswana. He however, said Miss Botswana’s performance is fuelled by many challenges that persisted for quite a stretch now.
“One major challenge is that the Miss Botswana pageant is held very late. Our queens have limited time to prepare. This leads to half cooked Beauty with a Purpose project. No one excels at Miss World without an impactful Beauty with a Purpose project.”
He suggested that Miss Botswana could be held at least eight months before Miss World festival so that the winner can work on her project, a project that needs to be documented and packaged well. “I realized that queens here don’t have physical input on their projects. They always look glamorous and do not actually do the work. They are always on VIP mode and only come to cut the ribbon.
It is time that stops today. Tiara should be put aside and sleeves should be rolled. Preparation and packaging is key.”“It is essential to have Miss Botswana every year so that she can reach out to communities and add value to those in need.
Being Miss Botswana is more like an ambassador, the winner gets to represent Botswana internationally, precisely at Miss World. I think Botswana requires that global positioning space, as this works well with country branding because Miss World is a premium event.”
Fashion is a thing of the past and yet it keeps on evolving. For an ordinary Motswana young person growing up in a rural setting, fashion might sound like an unfamiliar word because they don’t get to comprehend what the fuss is all about. For those lucky to have TV sets, they are likely to see a glimpse into what fashion really is.
Of course there are prominent fashionistas in the country, as well as the famous ones only seen on TV.These can be the likes of Bonang Matheba, Pearl Thusi and Boity Thulo. As equally talented as they are in the entertainment industry in South Africa, they also have an eye for fashion.
They are regularly ahead on the latest and upcoming trends within the fashion industry. These women have a creative vision and trend-setting style, and their sizzling outfits grace magazine covers week-in-week-out.
Well, that is a story for another day as that is likely to deem lights for our very own fashion stylist, Tumie Nthutang. She is underrated and given a side look, but she is a force to be reckoned with especially when it comes to styling celebrities and prominent public figures who love fashion.
She is not only a fashion stylist, she does blogging and she is a digital content creator with a YouTube channel up and running. Tumie Nthutang is a brand influencer, and she is doing pretty well for herself. In an exclusive interview with Weekend Life, Nthutang says her love for fashion was fuelled by an influx of questions from people asking how she can enhance their look, something that she saw fitting to make as a professional hustle.
“I would receive a request of that nature and wouldn’t turn it down. The country has very minimal fashion stylists, so it has always been my pleasure to jump in and help someone look amazingly beautiful. At the end of the day, its coin coming into my bank account,” she says.
It is a dream come true for any entrepreneur to see their clients’ content by the service offered, and Nthutang feels the same. There has been a trend whereby unsatisfied customers cat fight with service providers on social media.
Nevertheless, Nthutang said “Once I am done with styling consultation, what makes me happy is obviously seeing my client’s confidence elevated. A spring in their step as they walk and most importantly, seeing them in love with the new look in the mirror.”
For quite a stretch now, Batswana have been lacking behind when it comes to fashion. Nthutang shared the same sentiments, however, expressing gratefulness as she feels Batswana are now catching up. It’s never too late, so they say! “I think they are slowly catching onto lifestyle, of which fashion and style fall under and it’s taking time but social media has definitely influenced and actually solved the mess.”
Besides fashion styling and being an ‘It-Girl’ on Instagram, Nthutang is a brand influencer having worked with remarkable brands in and across borders. She has also dipped her hand in the YouTube cookie jar, creating entertaining content for her subscribers. YouTube pays account holders according to the number of views, even though rumour has it that as for Botswana, it is not the case.
“I create content on my different social media platforms and partner with different brands on a wide variety of campaigns. My content on YouTube is mainly an extension and uncensored version of the content that’s on the other platforms.”
According to her profile, she has worked with First National Bank Botswana FNBB, Ultimate Sports Union, Tanqueray, Volkswagen as well as Cotton On. She is also a public speaker, having featured on different speaking platforms such as Sneakers Expo, Ideas Expo, Branding 101 Masterclass as well as End Girl Hate Self Love Soiree 2018. Nthutang has a Degree in LLB from the University of Botswana.