personal finance

  1. imprisonedmind

    Built a private spending tracker for Capitec, FNB and Discovery Bank. Looking for honest feedback

    I started building this because I was frustrated with how difficult it was to get a proper view of where my money was going. The banking apps give you some spending insights, but once your spending is spread across multiple accounts or different banks, it becomes difficult to see the full...
  3. M

    Should I buy a car or apartment?

    Hi guys, Hope everyone is well. My question is pretty much the title. I’ll just give some insight into my situation while trying not to draw this out too much. I’m a 26 year old female (turning 27 this year). I’ve managed to save about R450k since leaving school. I have R350k of that in an...
  4. S

    Should I consolidate my credit card debt into a personal loan

    I'm going to start this post off by admitting that I have made bad financial decisions, I got a credit card many years ago, and despite being close to paying it off a few times, I now have a mountain of debt on this credit card. The details: I only have the credit card as debt. I owe R180 000...
  5. T

    Aside from the classifides section, where can I urgently get someone to collectively buy these items from me?

    Good morning. I really need help urgently. I had an unexpected emergency and I'm desperately looking for someone to collectively buy these items from me immediately so I can pay my rent. Cash converters is offering a price that I really can't work with. This consists of two identical Hisense...
  6. L

    What are your thoughts on storing gold in Panama

    Hi All, I am looking for an alternative to storing my personal belongings (Kruger Rands and share certificates) in a safer place than in my lock up safe at home. I don't want to use a Bank in South Africa as I plan to immigrate soon. I have seen this...
  7. B

    Personal Finance Blog

    If you're interested in personal finance topics, or just generally feeling stressed about money, check out this great local personal finance blog. :) www.takechargeofyourmoney.blog Let me know what you think...
  8. C

    Refinance vehicle to get rid of residual?

    I purchased a vehicle in April 2015 with a residual. At the time I thought I would trade my vehicle in in 3/4 years time so the residual would be fine. However, I would like to buy a house in the next few months. It will be wiser for me to pay off my car and put the extra money in my bond...
  9. Fireball

    Which bank in SA is the best when it comes to technology/automating your finances?

    Hi folks! I've always been with ABSA (student account), but I think the time has come to make a switch (since they're forcing me to upgrade). Now, I have done my fair bit of reading (mostly on MyBB and MoneyWeb) about the banks here and their technology, customer satisfaction, fees, etc...
  10. S

    Access Bond to Create Wealth

    Hi Guys I have an idea and want to know if you think it will work. This is the idea: I want to buy a property (+/-R500k) via a bond. (I can cover the transfer costs and 10% deposit) I want to put tenants in and I expect to be paying in an extra +/-R1000 per month to cover levies...
  11. K

    Comparable options for a decent Savings Plan

    As I am successfully working a job which provides me with good income I feel I would like to Save for the first time in my life. It would be greatly appreciated if you could share any information and opinions of where,how and why I should save my money. My Goals, some big some small, for this...
  12. SafariTin

    Software for Managing Personal Finance

    Hi All, I'm looking for free software to manage my personal finances. Credit cards, cheque account, bond etc. Something similar to Microsoft Money. Preferably with an option to import from csv. Any recommendations? Thanks,
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