Short, jargon-free reads on the money stuff nobody taught you. Start anywhere.
There's no special 'bonus tax' in South Africa. Here's why your 13th cheque looks half-eaten, and why some of it often comes back at filing season.
5 min read
No, moving into a higher bracket doesn't mean all your money is taxed more. How marginal rates, rebates and the tax threshold really work.
6 min read
Freelance gigs, weekend work, selling online — when extra income becomes taxable, what you can deduct, and what provisional tax means.
That 1% on your payslip is insurance against job loss, illness and maternity leave. What UIF covers, what it pays, and how to claim.
Gross vs net, PAYE, UIF, and why your take-home is smaller than your offer letter said. A jargon-free tour of a South African payslip.
7 min read
SARS pays you back a fixed amount every month for being on a medical scheme. Here's how the medical scheme fees tax credit works and how to check you're getting it.
Three vehicles, one goal, different rules on access and who controls them. What you actually need to know when starting a job or leaving one.
The 40% penalty, the withdrawal trap, cash-only TFSAs — the most common ways South Africans waste the best tax break available to them.
Since September 2024 your retirement savings are split into a savings pot and a retirement pot. Here's what you can touch, what you can't, and what it costs.
Both save you tax, but in opposite ways. Here's how to choose between a tax-free savings account and a retirement annuity when you're starting out.
Banks compete hard for 18–30s with waived fees and rewards. Here's what those accounts actually are and how to compare them properly.
The 50/30/20 rule, adjusted for black tax, transport costs and SA reality — and how to set it up so it runs itself.
Your first car is probably your first big debt. What 72-month terms, balloon payments and 'linked to prime' actually mean in rands.
What the bureaus track, why having no credit history is its own problem, and how to build a score without falling into debt.
Before the TFSA, before extra debt payments, before investing: why one to three months of expenses in cash is your first money goal.
Your biggest asset is your future income. Here's how income protection, disability cover and severe illness cover differ — in plain language.
Lump sum vs monthly income, what it costs at 25 vs 45, and when you genuinely don't need it yet — life cover without the jargon.
Comprehensive cover, hospital plans, PMBs, and where gap cover fits — the healthcare decision every young professional faces, decoded.
Medical aid doesn't always pay what specialists charge. Gap cover fills the difference — here's how it works and when it's worth it.