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@lee11 dining out, pubs, restaurants, coffee, clubs etc. swipe swipe swipe swipe... it'll suddenly hit you like a ton of bricks. Find things to do at home rather than go out spending. Going out used to be a special occasion, now it's demanded like 4 times a week! Change that, go back to the old...

@lee11 that's fine the "emergency fund" but as in an emergency just use your credit card. You'll save so much more every month by not having to pay credit card debt of like 24% or something mad.. just think FNB money max is like 8%+ and credit card debt is like 24%- so you're losing 16% per...

@lee11 no no hang on there is no well done here. You have R60k savings but have credit card and car debt. Pay off those with all those savings, you're losing more in debt. You cannot have a savings account but at the same time have credit card and car debt, the loss per month doesn't work.