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
If you face retrenchment in South Africa, you are generally entitled to notice or pay in lieu, any accrued leave pay and severance pay of at least one week for each completed year of service.
An emergency fund is money set aside only for unexpected, necessary costs.
School costs in January are predictable. Work out the total, divide it by the months left and save that amount each month.
Januworry is the tight stretch between a spent December and a late January payday.
A 13th cheque is an extra annual payment some South African employers pay, often in December, and it depends on your contract rather than the law.
A December budget works when you list every expense before the month starts, set a limit for each, keep extras in a separate account and reserve money for January.
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