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@delistuff Compared to globally, South Africa views its people as incredibly risky to loan to. So unlike the rest of the world, our personal loan rates are about as bad as credit card rates. Some banks offer better interest rates on cards if the bank account type (usually income) is high enough...

@miracleboy Paying more into house won't make installment less. It will just make your installments finish sooner. Bond payments are calculated in a way that you pay off the house in a certain time, and then pay interest per month depending on the balance owed. If interest rates go up, your...

@patt Honestly I have no idea how you plan to have so many expenses, support 2 adults, and save enough to live off interest. You will need to work the same job but get paid triple somehow. And that's before the big expenses like car or retirement or if you want to buy property. Nice dream...

@blair89 As a student and working, don't stress about saving yet. Focus on studies and having enough money for that and surviving. Saving can happen later, you have plenty of time