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Mastering Your Money Made Easy withCentsible Finance.

Transform your financial health with expert guidance

& community support!

Transform your financial life with Centsible Finance,

a 6-month coaching programme designed to help you create a personalised budget, pay down debt, build savings, and make your first R100 investment.

What makes Centsible Finance so different?

Tailored budgeting and debt management strategies to fit your unique financial situation.

Weekly live Q&A sessions and an exclusive online community for ongoing guidance and accountability.

Access to in-depth learning videos, templates, and worksheets to help you track and manage your finances effectively.

How Does Centsible FinanceWork?

✔ Expert Guidance, Every Step Of The Way

The Centsible Finance programme is structured over six months, with each module rolled out weekly to prevent information overload and ensure steady progress. You'll have access to in-depth learning videos, downloadable templates, and worksheets, along with weekly live Q&A sessions.

ACHIEVE FINANCIAL

STABILITY

ELIMINATE

DEBT

FASTER

GROW

YOUR

SAVINGS

INVEST

WITH

CONFIDENCE

Learn From The Best!

I'm Miranda Zulu, your finance coach, budgeting bestie, and holistic money management content creator. With a degree in Accounting Science in Financial Accounting, I have been offering one-on-one financial coaching services for the past four years. My passion lies in helping individuals like you achieve financial empowerment and clarity.

I've had the privilege of working with major players in the finance sector such as FedGroup, Franc Group, Sanlam, and Nedbank. Additionally, I've contributed to SowetanLIVE, and Pat On Brands, and have been featured in podcasts and various media publications. These experiences have enriched my understanding of the financial landscape and allowed me to bring valuable insights to my audience.

My goal is to debunk personal finance myths and explain complex concepts in a way that's easy to understand for people in Africa, regardless of their age or gender. In my content, I concentrate on four main financial pillars: Budgeting, Debt Management, Saving, Investing, and Building Wealth.

Let's embark on this financial journey together and achieve the financial freedom you deserve.

...And Become A Centsible Finance Student For Life!

(Meaning, you can take Centsible Finance Programme every year — for FREE) 👏

After the first run, you have the freedom to review the program at your convenience. Once you enroll, you can participate in the program as many times as you wish!

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Transformative Experiences: Testimonials That Inspire!

Centsible Finance

Modules

- Set financial goals and choose from various budget methods.

- Identify income vs. spending problems and build a consistent budgeting habit.

Financial Foundation

MODULE 1 -Budgeting

Learn to set financial goals and choose a budgeting method that works for you.

This module covers techniques such as 50/30/20, Pay Yourself First, and more. Identify and solve income vs. spending problems, and build consistent budgeting habits with our comprehensive budget template.

BONUS: Budget template included.

(Worth R1,550)

Become Debt Free

MODULE 2 -Debt Management

- Learn DIY debt repayment strategies and understand debt consolidation options.

- Track and improve your credit score.

(Worth R1,875)

Master DIY debt repayment strategies like Snowball and Avalanche.

Understand debt consolidation, credit scores, and prescribed debt.

Learn how to track and improve your credit score, and avoid blacklisting with our practical debt tracker template.

BONUS: Debt tracker template included.

- Build an emergency fund and understand sinking funds.

- Compare retirement savings plans and determine retirement needs.

Personal Insurance

MODULE 3 -Savings & Retirement

Build a solid emergency fund and discover the power of sinking funds for short-term expenses.

Compare retirement savings plans and determine how much you need to retire. Learn about the new Two Pot Retirement System and get an emergency/sinking fund savings tracker.

BONUS: Emergency/sinking fund savings tracker included.

(Worth R2,100)

Building Wealth

MODULE 4 -Investing

- Get introduced to investing basics and different asset classes.

- Learn where and how much to invest, and how to build and diversify your portfolio.

(Worth R3,550)

Get introduced to investing basics, asset classes, and investment platforms. Learn how to invest your first R500, manage risk, and diversify your portfolio. This module simplifies investing concepts, helping you take the first steps confidently with our investment tracker.

BONUS: Investment tracker included.

- Understand life cover insurance and evaluate your insurance needs.

- Learn about common issues and how to avoid claim rejections.

Insurance Needs

MODULE 5 - Life Cover & Funeral Policies

Understand the essentials of life cover insurance and funeral policies.

Learn how to evaluate your insurance needs, detect unauthorized life cover policies, and avoid claim rejections.

This module ensures you are well-protected and informed.

(Worth R1,800)

- Understand tax brackets and deductions.

- Learn how to submit your tax return on SARS eFiling.

Know Your Taxes

MODULE 6 - Personal Income Tax

Navigate tax brackets, deductions, and liabilities with ease. Learn to calculate your income tax and submit your tax return on SARS eFiling. This module simplifies tax concepts using basic assumptions and practical examples for easy understanding.

(Worth R2,800)

The OUTCOME WE DELIVER

By the end of the 6-month Centsible Finance programme, you will have a solid budget, a clear debt repayment plan, a robust savings strategy, and the knowledge to make your first investment confidently.

Exclusive Bonuses

For Members

Here are some of the bonuses included when you join our Exclusive Programme

01

Templates To Track Your Progress

When you join the Centsible Finance programme, you gain access to a suite of valuable tools and resources, including:

Budget Template: A comprehensive tool to help you plan and manage your finances effectively.

Debt Tracker Template: Monitor and accelerate your debt repayment journey.

Emergency/Sinking Fund Savings Tracker: Build and track your emergency fund and sinking funds.

Investment Tracker: Track your investments and diversify your portfolio.

Free eBook: "Mastering Personal Finance" – a detailed guide covering budgeting, debt management, saving, and investing strategies to enhance your financial literacy and success.

Join now and empower your financial future!

(Worth R1,200)

02

Exclusive Private Group Coaching Calls!

Weekly group coaching calls are a cornerstone of continuous learning in our programme, empowering you to stay ahead of evolving financial trends and strategies. These well-structured sessions are essential for developing your financial skills, fostering a supportive community, and achieving consistent success in your financial journey. Join us to stay motivated, informed, and on track towards your goals.

(Worth R550 per session)

Do you Have Questions?

Ask Away!

Instead, let’s start developing some strategic content that draws them to YOU. This is the content marketing strategy and content creation course for freelancers and service providers.

What is the duration of the Centsible Finance programme?

The Centsible Finance programme runs for 6 months, providing comprehensive guidance and support throughout your financial journey.

How much does the programme cost?

The programme costs R359 per month, offering you access to all modules, weekly group coaching calls, templates, trackers, and our exclusive online community.

What topics will be covered in the programme?

The programme covers budgeting, credit management, saving, investing, personal insurance, and personal income tax. Each module is designed to equip you with practical skills and knowledge.

What happens if I need to cancel my membership?

You can cancel your membership at any time. The cancellation will take effect at the end of your current membership period. Please note that due to the digital nature of the course material, refunds are not available.

30-Day Money-Back Guarantee

FMC offers a 30-day money-back guarantee for new customers, allowing them to assess services risk-free within the initial thirty (30) days from the subscription contract date. To qualify, customers must cancel within thirty (30) days of the subscription initiation.

Refund Process:

a. Contact FMC within the 30-day period.

b. Provide relevant subscription details for refund processing.

c. Upon verification, the full subscription price is refunded to the original payment method.

Conditions:

Applies to the first subscription period only. Not valid for subsequent renewals or upgrades unless explicitly stated. Additional services or products may not be refundable unless otherwise specified. I will provide more details on this in our terms of service which will be available on our website.

What support will I receive during the programme?

You'll have access to weekly group coaching calls, an exclusive online community, in-depth learning videos, templates, and worksheets. Plus, you'll receive continuous guidance and personalized advice through our weekly Q&A sessions.

15% Discount Code

Get money off your first month subscription. Use code 'Centsible24' to get 15% off. Code valid until 2 June 2024.

Helping you become confident with your money.