Managing personal finances

About Zinzi

Hello everyone and welcome to Royalty Ark, the simple, seamless, sophisticated, comfortable & empowering home for Managing Personal Finances which has been a passion of mine, since I have worked & spent 12 years in the various banks within the financial sector. I have experienced & observed it over and over again, how my peers, colleagues, and customers would really struggle to make ends meet and find that “the month was longer than the money”  and this would lead to their credit profile(score)) being not worthy on the paper it is written on, they quickly realised that they have borrowed up to their eyeballs from family, financial institutions and microlenders.


Naturally, I am a giving and sharing person who likes to help people out and I have been like that since I recognize that gift of giving, so I would help out, yet my curiosity drove me to find out WHY they are really struggling to make ends meet. On paying close attention,  I would notice how they robbed Peter to pay Paul, so effectively what would happen is that one debt would be paid this month to appease the one creditor and another bill would be skipped while keeping the other creditors at bay. This game would continue playing itself out until it begins to bring stress to the individual and began affecting the relationship at home where bare necessities such as food, rent, school fees, transport would not be adequately covered by the money coming in. Let us not even talk about saving, because it is not possible under such helpless & hopeless situations.

This would spill over into the workspace, where relationships with the employer, colleagues, and peers begin to feel strained and result in non-performance at work, because of time spent resolving personal debt issues. Besides, this would lead to sleeplessness, health dis-ease, and depression which most often leads to suicidal thoughts and doesn’t even mention rolling massive & higher medical bills. I am saying it does not have to be that way.

Now I want to give back so that I can teach, share and guide you on how to manage your personal finances so that you can experience financial balance, prosperity, and well-being.

Zinzi is a Financial Wellness mentor and a member of COMENSA(Coaches & Mentors of South Africa). She is deliberate, passionate, genuinely and sincerely want to help clients reduce their dis-ease(financial stress) and experience financial balance, abundance and financial well being by encouraging and engaging in nourishing conversations that are authentic, simple yet respectful & empowering, through empathy and understanding to connect on a personal level. She believes that when these stories are told honestly, openly & sincerely in a safe environment, by being willing to do the work on themselves and also connecting the head and the heart – remarkable changes take place that would otherwise not have happened and guide us to a different path of possibilities and opportunities.

She identifies clients’ financial profile and then gently guides them on improving their personal financial management lifetsyle on a growth path that fulfills and empowers one’s journey to live a better life by addressing issues such as debt management, budgeting(financial spending planner), savings and investments.

She has acquired and completed qualifications from UNISA (Bachelors Degree with majors in Auditing, Accounting, and Business Economics), Marketing Diploma through the Institute of Marketing Management and Diploma in Auditing from Peninsula University of Technology and she has accumulated vast & wide working and management experience from African Bank, ABSA Bank, Standard Bank, Capitec Bank, ACCA(UK), Transnet, Truworths just to mention a few. She passionately and relentlessly develops strategic relationships with people because she realized early on, in her career that helping and serving others’ interest has been at the core of who she really is and she wanted to continue her work around the topic of managing personal finances in the era in which we live.


My overall goal is to share my experience, my observations and walk a mile in the journey with you by engaging,  by exchanging tips, tricks, secrets to improve your financial well-being and achieve balance, success with your Life; naturally, as you were meant to be, to do and to have. To simply live it, seamlessly, flawlessly and stress-free. U deserve a better life, don’t you think so?


Lao Tzu says “A journey of a thousand miles begins with a one step at a time”. I would like to add to that, it is not too late to start; as these steps will open up a new world of possibilities & opportunities for understanding, clarity, and guidance by following one’s life’s journey(meaning & purpose) when you are open & deliberate about it.

To all those who are sick and tired of being at dis-ease. You are safe here with us, we will catch when you fall.

If you ever need a hand or tools or help or have a story to share, I would appreciate it. Please feel free to leave a comment below and I will be more than happy to reach out and connect with you.

All the best,


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Author and coach Zinzi Mdedetyana hails from South Africa. She is dedicated to inspiring and educating consumers about personal finance management and self improvement. She loves to speak and interact with readers so don't hesitate to comment or contact her.


  1. Kaelo


    Happy New Year Zinzi!!!
    May 2020 continue to usher you with good Health, and bring more Wealth!

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