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@unbelievable Also lots of people don't have the discipline to save that much . Many people as soon as they have a big amount available they increase there lifestyle and things they want. Know a few people that survive fine and save in a RA where they can't touch but give them 100k they have...

@unbelievable Well some of the reasons some one may take a loan is 1 they can't gather that amount of excess funds over there rent or in totality like you can. 2 Instead of renting house for the 5 years while you save they could use that rental toward there own bond Or want stability. 3...

@quietbeauty Most of it from general spend and checkers etc . Also have an insurance product with them and streaming platforms on my virtual card . Use virtual card for all transactions from in shop to municipal bills . You will definately be limited by the premier account . They used to have...

@gracieloula Yes definately when I'm on level 3 I earn about R600-700 when I get to level 5 I get about R2700 back for all my spend . The level makes massive difference.

@gracieloula What level are you on for ebucks though ? Massive difference in what you earn between level 3 and 5

@callin_on_ya Paying of the 16% debt as apposed to earning 7-10% interest that also gets taxed if you go over your 23k interest exclusion per year (I assume you under but worth remembering) doesn't make sence . Always try avoid debt or pay extra to higher interest rates first .

@futureman29 I used to have Nedbank and FNB but got almost nothing on greenbacks .so moved everything to FNB. FNB ebucks has become allot harder but if you consistent check every month and stay on level 5 there are some decent rewards but need to use your virtual card . So when I'm on level 3...

@rjozen Personally I would kill the personal loan . No point being charged 15% you will never get on emergency fund interest and you will still have emergency fund although smaller . Check if any of your bonds are access bonds you can maybe keep your excess funds in there , cutting debt and...