In this week’s episode of the #MoneyMagic series, I sit down to chat with one of my private clients, Phumla Ngema about paying off all her debt in 4 months.

Phumla is South African, but she lives and works as a paramedic in Abu Dhabi, the UAE.

In this episode she shares how she started working at 17 and started supporting her family when she was making R250 (less than US$20) a month...