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@xxdanklutheranxx (Assuming you have a 32 day savings account) If you see yourselves saving more than R20k in the next 6-12 months then you may want to save it together into a single account because from R20k onwards you earn more interest. Although the interest difference over a 6-12 month...

@abzin44 Your credit score is negatively impacted if you're constantly exhausting the full credit limit. I think if you're unable to pay your credit card bills, credit score should be the least of your worries (I say that with full sincerety). Close the card if that makes you comfortable...