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@cff13 Some things to add to this: Always ask them to review the interest rate, never accept the first offer. Don’t let them add anything extra, paint protection, tyre insurance, etc, it’s all rubbish. Ask for a break down of delivery/on the road costs or any general fee. Ask for discount, 2%...

@elissanjuice Yep, and it counts towards your Ebucks smart spend as well. Also get clicks points. No service charges. It remembers your meter number too. You can even pay post paid municipal bills by using the easypay number.

@harmonmarie Clicks app, FNB account.

@shelly48 You need to increase your salary. Be the best at work, head and shoulders above everyone else. Work towards a career plan. Wake up an hour earlier every day and improve your work skills for that hour. Strict budget and with saving. Build up an emergency fund. Don’t make loans, or...