I must say I admire your sense of humour in these difficult times😂😂

@Sipho.mdluli

Ай бұрын

😅😅😅😅 I don’t think I have any other options but to laugh at my situation

@thokozanicannon3917

Ай бұрын

​@@Sipho.mdluli hhola mfethu i sold my golf 7 tdi last month lento i scam nje

@Lettalkmoney

Ай бұрын

@@thokozanicannon3917 bro 😂😂😂😂😂 scam lento ngempela

Thanks for bringing us to Reality Bafo, we appreciate it.

Downgrade to a 2nd hand pre facelift Polo or Polo Vivo

Lol 😂😂😂😂 the content creator we didn't know we needed 🙈 great sense of humour. Before selling the car, which is probably the best decision please make a detailed car review on the car

@Sipho.mdluli

Ай бұрын

Definitely I wouldn’t miss that opportunity It’s coming probably my next video

@thepxshmagazine6002

Ай бұрын

lol its the way he speaks and his delivery is funny

Selling the car is the best decision bro, make sure you get a good price for it to limit your loss. All the best!

@Sipho.mdluli

Ай бұрын

Yeah I have decided it’s no longer worth it

@carfeverpov

Ай бұрын

The Debt won’t go away, instead WeBuyCars will offer a low price and you’ll have a credit shortfall after selling it. You’ll still be in debt, but you’ll be walking. The mistake was buying a car you cannot afford. You should be driving a Swift.

you are so entertaing like muzi sampo you have gained a subscriber🤣🤣🤣🤣🤣🤣

@Sipho.mdluli

Ай бұрын

Danko 😅😅😅 it’s too late for me to cry now

The content we need. Big up bro 🔥🔥🔥🔥

bruhh , i thank the KZread algorithm for leading me to your videos LMAO

Now this is a KZreadr that deserves a like, subscribe and turn on notifications! Thank you for your service Sir!

@Sipho.mdluli

Ай бұрын

Appreciated ✌️

This was funny. 😅. Otherwise, all the best with regard to sorting out the financial situation. I’m glad you woke up early and enough and started being real with yourself. It’ll all work out in the end. 🤝

@Sipho.mdluli

Ай бұрын

Dankie ✨😀

1 thing my dad taught me is buy a car not more than 50k and spend about less than 10k in spares depending on the prob of ur car and u good to go. Spending 250k for a car that is gonna lose value after takin it off the floor is madness. U can find a polo to for that price if u don't believe me but be careful not to buy a stolen car.

@Sipho.mdluli

Ай бұрын

But buy 50k car in this day something else or you’re talking about buying em in auction?

@user-pk4en3it9l

Ай бұрын

@@Sipho.mdluli Ya or a second hand

Mine Polo was involved in a accident it's very hard to sell it, they want it for R180 000 and I owe R320 000😢

@Sipho.mdluli

Ай бұрын

Is it’s giving you problems?

@bulelaninomongo6661

Ай бұрын

You’ll only have to refinance R140k though?

Even your background music is depressing lol 🙈 really setting the scene..yo get rid of this headache bo

@Sipho.mdluli

Ай бұрын

😂😂😂 don’t get depressed

You kick ass 😂 We demand more content 🤟🏼

@Sipho.mdluli

Ай бұрын

And I shall provide more

Bro I feel you, as a polo driver myself I fell in such a trap but slowly but surely I'm getting out. My employer helped me with overtime to manage.

@Sipho.mdluli

Ай бұрын

I don’t get overtime

That wreckless walker nkos' yami 🤦‍♂😂 After hearing your story, I realized that car salesmen are scammers. Just legal ones 🚮 I'm 100% backing your final decision to sell the car 💯🔥

@Sipho.mdluli

Ай бұрын

😂😂😂 I’m soon to join the walker because wow just wow

But us as consumers also need to take accountability and learn thoroughly about the financial world. We need to educate ourselves on things like how to save money, invest money and negotiate better and fair prices. We must remember that with the corporate world if it's legal, they'll push as much as they can. They don't care about you or who your mother is. They're just there to make money. It's not personal.

@Sipho.mdluli

Ай бұрын

True 🔥 but sometimes we think we know alot and be over confident

😅 Great financial advice.

😂😂 u're funny bro, hope u make it out of this situation✊

@Sipho.mdluli

Ай бұрын

Definitely I would

If I was in your situation, I would register myself on indriver. Just drive on weekends or offdays. Its easier to qualify than Uber/Bolt. Thats what I used to do to afford baby groceries 😊...

Yooh bra, khona having a car creates convenience but when you consider cost vs benefit, cost outweighs benefit in this case, you should really look into downgrading my brother, you’re still young you have alot of life ahead no need to force things

@Sipho.mdluli

Ай бұрын

That the reality, I’m going straight to public transport

Great video, you are very funny 😂

@Sipho.mdluli

Ай бұрын

Glad you enjoyed

You have inspired me on your tuff but wise financian decision. What i have learnt from this is to practice a delay gratification...

@Sipho.mdluli

Ай бұрын

Now could have said it better

streetwise but financially dom😂😂😂

@Sipho.mdluli

Ай бұрын

😅😅😅 if I’m wiser I wouldn’t be in this mess

This is sad but i love how you narrate this whole thing and add humour to it. I noticed you use a prestige account with std bank, wasnt one of the benefits of having that account a prime minus interest rate or did you apply for your car financing at a different bank?

@Sipho.mdluli

Ай бұрын

I got this account when I was trying to renegotiate Finance interest rates and they offer it to me

Sell that Satan and just get a Swift Morena it’s the right thing to do

@Sipho.mdluli

Ай бұрын

True but at this point I don’t think I need a car I’m just gonna use public transport

Gaddamn

Ei hadee mfowethu. Its our struggle sonke. But we shall stay strong kuzolunga eventually

@Sipho.mdluli

Ай бұрын

Thanko man ✌️

Legend😂😂😂😂

Ndikshayela izandla tor accepting ukuthi ingaphez kwamandla akho, many people rather drown than downgrade 😅

@Sipho.mdluli

Ай бұрын

I won’t downgrade but I will just use public transport

This is hilarious 😂😂😂😂

@Sipho.mdluli

Ай бұрын

😅😅😅😅

Good for you im paying for a car that got smashed

@Sipho.mdluli

Ай бұрын

Yoooh bro 😪

🤣🤣🤣this was funny af

😂😂 best review

I'm guessing you'll go back to taxis for about a year or 2 while you're dealing with shortfall and getting debt free before pursuing a nice second hand polo vivo again

Kodwa nawe, what was the thought process when you decided to buy a brand new Polo on a R17k net salary (I assume)? A 2/3 year Polo Vivo (around R200k) would've been a better choice surely, or you a Polo die hard a 2017 1.4tsi 81kw Highline manual would've sufficed too! You was moving funny hayi😂

@Sipho.mdluli

Ай бұрын

😂😂😂😂😂 check part one of the video you will see how I ended up with this car

@musaarthurmasango6224

Ай бұрын

@@Sipho.mdluli you need to sell it and get something cash, a well kept Polo Bujwa wouldn't be bad. It's a lesson learnt angithi😅

@ontiretsemphake6050

Ай бұрын

​@@musaarthurmasango6224 yiu cant sell a car that is financed by the bank,because you dont have the cars papers yet.(until you finish paying off the car)

Definitely the car was a wrong decision... However though why do you have a Std Titanium card instead of the normal Gold card cause that's a service fee of R230 vs R115 per month?

@Sipho.mdluli

Ай бұрын

I was trying to reduce the interest I’m paying on the car and they told me if I use this card it’s can be reduced to just 11% which was a lie 🥲

Maybe doing uber might help with paying the car and other expenses

@Sipho.mdluli

Ай бұрын

Yeah but I’m concerned with the safety of it in uber since it’s one of the most stolen cars in S.A but I am considering it

😂love the content abt the 17k i dnt believe that 😂 thats a standard bank prestige card minimum is 25k🙆🏾‍♂️

@Sipho.mdluli

Ай бұрын

That 17 is after deductions

@chubs2312

Ай бұрын

It's minimum 25k gross.

😂😂😂😂 Ai wena munne😂😂😂😂

@Sipho.mdluli

Ай бұрын

😂😂😂😂

Buy it cash will it help?i was thinking of getting Polo GTi with some features like sun roof..16 ich..led lights? Advice

@Sipho.mdluli

Ай бұрын

If you can buy it cash that the best option. You can add everything you like but extras in the car are expensive and if you’re not buying cash make sure that repayment are not more 30% of your income that includes insurance

@Chinedu_ceo

Ай бұрын

Lets say in a good month I make close to 10.000 usd it will take me 4-5 months to buy it cash anyways thanks bro

@Sipho.mdluli

Ай бұрын

Wow bro teach me how you do it

😂chief...return that thing!!

@Sipho.mdluli

Ай бұрын

I am returning it bro it’s not worth it to be this stressful yoooh lapho I’m 27 this year but I’m in deep dept like crazy

@toxic.city.instr_

Ай бұрын

​@Sipho.mdluli you'll bounce back bafo, dont stress too much

haha tone kills me

Can i ask why you don't consider using it as a bolt car?

@Sipho.mdluli

Ай бұрын

I did consider it but my work hours are too long plus risk of driving high value cars as uber is too much

Drive thru yase Stanger...kwadukuza

@Sipho.mdluli

Ай бұрын

😅😅😅😅😅😅😅 wazi yona

Are im the best😂😂😂

I don't want peace... I want problems and depression always😂😂

@Sipho.mdluli

Ай бұрын

I have enough manje 🔥😅😅😅

lmfao hahahahahaah bruh this is fucken funny

@Sipho.mdluli

Ай бұрын

😅😅😅😅😅

Reckless walking is a crime 😂😂 carwash at work 😂😂 space muffins 😂😂

@Sipho.mdluli

Ай бұрын

It’s a lot 😅😅 everything is a crime

And then we start blaming Polo drivers for reckless driving 😮 06:03

@Sipho.mdluli

Ай бұрын

Bro can you imagine

😭😭😭😭 Polo is expensive yoh

@Sipho.mdluli

Ай бұрын

Too much

They gave bro a credit card 😂😂😂

@Sipho.mdluli

Ай бұрын

And I fell for it 😭😭😭

But who cares, I own a VW Polo 🤣🤣😭

We understand your concern. But why don't you just sell the car for once and get a car you can afford. 2nd hand Polo vivo or Hyundai i10. Otherwise youll keep drowning in debts.

@Sipho.mdluli

Ай бұрын

Yeah I will do so it’s part of my plan

@Sipho.mdluli

Ай бұрын

Yes true I have to stop this foolish act of borrowing every month

Who the hell would but a polo in 2024 😂😂😂😂 bro the Chinese are giving you faaaaar better value + 5 year warranty etc…

@Sipho.mdluli

Ай бұрын

😅😅😅 we need to start looking at it because wow

😂😂😂😂

No fxcken way 🤣🤣🤣 😭😭😭😭😭

@Sipho.mdluli

Ай бұрын

😅😅😅

Your video is depressing xem... The reality of an average employed middle class south african 🥺

@Sipho.mdluli

Ай бұрын

But we will proceed ❤️❤️

Great sense of humour , but this can’t be real. 😢 You are just reviewing cars and trying to educate us right?😅

@Sipho.mdluli

Ай бұрын

This is really loan, overdraft and credit card everything

@matildahm7230

Ай бұрын

@@Sipho.mdluli I am waiting for a new video / update . Thank you 🙏🏾

Don't sell to we buy cars .

@Sipho.mdluli

Ай бұрын

Alright I won’t

Sell the car

@Sipho.mdluli

Ай бұрын

Nothing less than that

@tsheponnene457

Ай бұрын

Lol selling the car wont put him in a better position... cause he would still be owing more on the loan for the car than the cars worth

Reckless walking 😂😂😂😂😂

@Sipho.mdluli

Ай бұрын

😂😂😂😂😂😂 if I didn’t hold the car before time I would be the one arrested

😂😂😂I can't believe this is a real story. Kodwa ke!! Sesiyofunda ngawe bafo 🫡

@Sipho.mdluli

Ай бұрын

It’s actually true I’m in the process of selling it as we speak

Don't take the first offer that they will give you at webuys

@Sipho.mdluli

Ай бұрын

Alright I understand