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
A budget holiday starts with a total number, not a destination.
The festive season is full of spending traps: store accounts and layby, limited-time deals, overspending on gifts, travel costs, scams and loans taken to cover it all.
Inflation means prices rise, so the same rand buys less each year.
Black Friday saves money only on things you were already going to buy.
A sinking fund is money you set aside each month for a cost you know is coming, such as school fees, a car licence, insurance renewal or December.
Before you save for a car, add insurance, fuel, servicing, tyres, licence and parking to the instalment.
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