So this month, I got 17750 points. Yes, 250 away from RL5.
And there is nothing else that I can see to get me to RL5, apart from 3 things:
1 Going into debt.
2 Investing in a share investor account with FNB
3 Waiting 12 months until I have not been in arrears for 18 months instead of 6 (only got my credit card 6 months ago).
The problem with 2 is that I am currently paying down credit card debt, and it doesn't make sense for me to invest when I should be paying credit card debt first instead. The credit card debt was from paying for my studies and having a crown done on a tooth, incidentally.