@patt Imho, your spending priorities are screwed. We are two adults regularly working from home (zoom etc.) and three others, and our internet is under R1k per month. You should not be spending more on your internet than on food. For one person internet should be less than R500/m.
Cellphone at R1000/m is also ridiculous. My cellphone costs are under R100/m (R55/m contract with minimal airtime and 250MB data, both of which aren't fully used up every month).
Get an entry level hospital plan at least. You don't want to end up in a state hospital and private hospital will ruin you if you don't have medical cover. Add gap cover if you can.
Student loan I get, but why borrow money to buy a computer? Was it for work?
Pay off your most expensive debt first (presumably loans for inverter and computer, then credit card, then student loan). As each one is paid off, roll the payment you were paying into it into the next one to accelerate repayment.
Stop funding your lifestyle with credit card. Use it as a payment mechanism and pay it off IN FULL by the due date. If you are paying interest on your credit card, you are using it wrong.
When your debts are paid, start saving the amount you were using to pay off all your debts per month AS A MINIMUM. Get financial advice about how to split this between retirement annuity, TFSA and investments.