What you can actually afford, and why the 30% rule misleads
What a bank will lend you and what you can afford are different numbers. A better test than 30%: does it survive a bad month?
Budget & Afford
Affordability, budgeting on a South African salary, and emergency funds.
A budget that survives a real South African salary
Why 50/30/20 does not fit here, and the one missing line that kills nine out of ten budgets.
Emergency funds: how much, where to keep it, and why R2,000 matters most
Three to six months is the destination, not the starting point. A four-stage version that works on a real South African salary.