Emergency Fund - What is it and why do you need one?

At one point or another, you’ve likely heard that old, trusted expression “save for a rainy day”. It’s something that people of all ages should think about when earning money. Essentially it boils down to not being able to predict the future. It’s just not possible. The very nature of life is that you can’t always see what’s around the corner, and every now and then, those ‘rainy days’ do come about. 

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How to start a budget plan

Access to credit is relatively easy. Your bank is quick to provide you with a credit card pretty much as soon as you leave school. It’s no wonder so many South Africans get used to buying things they want on credit. That’s often where the debt spiral begins.

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