Expert tips, strategies, and insights to help you master your finances and achieve your financial goals
Spreadsheets weren't built for managing money. Budget Hub brings income, expenses, savings goals, and investments together in one simple platform, designed specifically for South Africans.
Life, disability, severe illness and income protection cover pay out in different situations. What each does, how disability claims are actually decided, what your employer may already provide, and a worked needs calculation.
What to check in the first week of a first job, how a R15,000 salary becomes R13,635, one way to split it across fixed costs, a buffer and savings, and the traps to avoid: store accounts, lifestyle creep and the family bank.
What a two-pot withdrawal really costs in tax and lost growth, worked examples at three incomes, when in the tax year to apply, and the alternatives to try first.
Monthly bond repayments at 10.75% for R800,000 to R1.5 million, the income they need, what a 1 percentage point rise costs, the extra costs of owning, and a way to test affordability before you apply.
Real 2026 Capitec and Nedbank fees, one worked month, and the habits (ATM trips, bounced debit orders, instant payments) that decide what you pay.
Why side hustle income is taxable, when a salaried person becomes a provisional taxpayer, a worked example of the tax on R30,000 of profit, what you can deduct and the records to keep.
How premiums are built, a worked example of when a higher excess pays, which levers lower the price, the under-insurance mistake that can cost you a claim, and where to complain if a claim is rejected.
From the first call to a court judgment: the Section 129 notice and its timelines, what to do with a summons, salary deductions, old debts and what collectors may not do.
Funeral costs range from about R13,000 to R211,000 on the FSCA own price list. Learn the R100,000 policy cap, how waiting periods and lapses work, who to cover, and the checks to make before you buy or renew.