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@faith4l Thank you so much. Will definitely go through this in detail.

I'm a 40 year old married male, 2 young kids, wife. I have just over R1mill worth of savings in my flexi home loan (balance currently around R700k with the savings in the account). I put it there to hopefully save on the interest I pay at 6.9%. I then have another R800k sitting at another...

@patt You're a good person. I wish you great success!

@patt You keep on bringing up your friend and what you'll be getting her etc. If she's studying overseas her parents have disposable income or she's there because she's qualified for a bursary. Why then do you have to cover for her? My suggestion is to let she(or her parents) take care of her...