Ncmsl
A shortened version of "Undincamisile", a Xhosa term to express shock. Undincamisile can also mean "you have kissed me, you kissed me, s/he kissed me", which is not related to the definition we are talking about here.
Girl 1: She has already moved on.
Girl 2: For real? It's only been 2 weeks.
Girl 1: Dead serious.
Girl 2: Ncmsl
Cupcake
The nickname for the South African president, Cyril Ramaphosa.
Cupcake is opening the country again.
Stockvel
A stokvel is a savings pool where a group of individuals contribute an agreed-upon monthly amount. The group have full control of how they would like to use that money. Two common methods are to pay out monthly or annually. The group can make monthly pay-outs, or they could keep investing their savings and get a lump sum at the end of the year.
I have joined a stockvel with the members of my community where we get monthly payouts.