Food prices are still rising. Electricity hikes just hit. And your wallet is likely feeling it.
Everyday South Africans are facing increasingly difficult financial choices in 2025. While some costs may have dipped slightly month-on-month, the overall trend shows households are under serious pressure.
Here’s what’s really happening – and how you can take back control in practical, impactful ways.
If you're a meat-eater, you may have noticed you are having to fork out more money for your groceries each month. While inflation remains the same, meat (beef specifically), has been a key contributor to food inflation. According to StatsSA, meat's annual rate for inflation went up from 3,0% in April to 4,4% in May.
The Reality: What South Africans Are Dealing With
🥦 Food Prices
According to the June 2025 PMBEJD Household Affordability Index, the average cost of the Household Food Basket decreased slightly from R5,332.25 in May to R5,277.30 in June.
However, this slight dip does not mean food is affordable. In fact, Stats SA reports that food inflation is still sitting at 4.7% (May 2025). That means you're still paying more than you did last year.
⚡ Electricity and Rates Hikes
As of 1 July 2025, households are being hit with:
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Electricity price increases of 12.74% for direct Eskom users.
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Municipal electricity hikes averaging 12.72%.
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Water and sanitation increases (varies by municipality).
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Property rates increases.
“The average South African household could be paying R500+ more per month from July just for basic services.” – BusinessTech
What You Can Do Now to Stretch Your Rands Further
Here are five practical steps you can take to stretch your income further:
1. Track every rand
Do you know how much of your budget is going to food, electricity, transport, and debt? Sometimes we think we know, but we'd be surprised to see what the numbers actually say.
👉 Download our free Budget Planner to get started. It’s FREE, simple, practical, and helps you spot where your money is really going.
2. Shop Smarter – Don’t Miss Weekly Specials
With prices fluctuating constantly, compare specials across major retailers before you shop:
🛒 Check current specials here:
🧠 Tip: Set a calendar reminder to check these every Monday before your weekly shop.
3. Cut Down on ‘Phantom Energy’ at Home
You might be paying for electricity you’re not even using.
Unplugging unused appliances (like phone chargers, toasters, TVs in standby mode) can reduce your electricity bill. These devices still draw power – sometimes called “phantom energy.”
🛠️ Geyser usage tips
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If your geyser is not on a timer, consider installing one.
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In winter, turning it off completely might not be wise, as reheating a cold geyser could use more electricity.
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Rather: Reduce water temperature on the geyser thermostat (if accessible).
4. Struggling with Debt? Take Control Now
Don’t drown in silence. If you're not already under debt review and you’re overwhelmed by multiple loans or credit cards, we can help you reduce your monthly instalments by up to 50% through Meerkat’s debt review solution.
Read more about how it works: 👉 What is debt review and how does it work?
You’re not imagining it, life is more expensive.
Life is more expensive. But that doesn’t mean you’re powerless.
Start with small steps: track your money, use specials, unplug unnecessary devices, and ask for help if you’re drowning in debt.
You’re not alone. With the right tools, you can stay afloat and start making real progress.