MoneyMatters

MoneyMatters Smart. Simple. Real-life money tips for everyday people.

15/09/2026

2. Pay Yourself First

When your salary arrives, automatically move money into your savings and investment accounts before spending a single cent.

We save first, then splash the moola.

Don’t wait until the end of the month to see what is left. If you do, chances are you’ll chow whatever is available.

Instead, decide beforehand how much you want to save and make it automatic on payday.

For example:

Salary → Savings → Bills → Everyday spending

Your savings should not depend on whether you had a “good spending month.” It should happen automatically.

The goal is to make saving a non-negotiable expense, just like rent, insurance or your car payment.

We save mama.

14/09/2026

It’s not only about how much you earn ,it’s also about how you manage what you earn. Let’s break it down step by step.

1. Current Account

This is where your salary is paid and where your day-to-day spending happens.

Know exactly where every rand goes each month and create a realistic budget that you can actually stick to. Your current account should mainly be used for:

* Monthly bills
* Transport and fuel
* Groceries
* School expenses
* Other planned spending

The goal is not to spend less than everyone else. The goal is to spend intentionally and avoid wondering where your money disappeared to at the end of the month.

Before moving money anywhere else, make sure your essential expenses are covered and your budget is clear.

20/08/2026

Put your savings on the same schedule as your rent. Things that happen automatically do not depend on how you feel that month.

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