Budgeting Guides
Practical budgeting for South African households. Make your salary last from payday to payday, plan for January school fees, December spending and winter bills, build an emergency fund and cut everyday costs like bank charges and electricity. These guides use real rand examples and simple methods such as zero-based budgets and sinking funds, so you borrow less often and save more.
38 guides
Funeral cover is insurance that pays a lump sum when a covered person dies, to help pay for the funeral.
Bank charges, monthly account fees, cash withdrawal fees, card and transfer fees, and penalty fees like declined debit orders, seem small individually but add up to a real amount over a year.
The cost of living is what daily essentials, food, housing, transport and electricity, cost you, and in South Africa it keeps climbing while incomes lag.
A stokvel is a South African savings club where members contribute a fixed amount regularly into a shared pool, then receive a payout, in cash, groceries or a rotated lump sum, at an agreed time.
Black tax is the real financial support many South Africans give extended family.
Winter bills spike mainly because of the geyser, heating and higher food costs.
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