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
To set financial goals you can reach, make each one specific, give it a date and a rand amount, divide it by the months left, and put the monthly amount on a debit order.
Managing money as a couple works best when you agree how to talk, share costs and plan, without hiding debt.
A South African payslip shows gross pay, deductions and net pay.
A Valentine's Day budget starts with agreeing a limit with your partner.
A zero-based budget means your income minus everything you assign (spending, saving and debt) equals zero.
Money resolutions fail when they are vague, big and secret.
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