Personal Finance - How to Budget

Today we are speaking about budgeting. Once you get your monthly
income, what do you do with it? It's all about planning and being
aware of what's happening with our money.

Here is a free spreadsheet to get you kick started with you
budgeting: 


Precipice Budgeting Template


The other app we talked about in this episode is 22seven. 22Seven
is an app available for Android and Iphone that plugs directly
into your bank account. It allows you to track how you are
spending your money and plan how you are going to spend your
money. It sends you helpful alerts when you go over budget and
when it picks up fraudulent or suspicious behaviour. The best
part? It's 100% free and supports just about every bank in South
Africa. Also it's made by old mutual so you know you can trust
it.