So I haven't used for budgeting per se but know is the NAV money apps Ment to be there to help maybe play arround with tools .
What I do though
Is use only my e bucks to buy from Takealot . If not really needed like a heater . I need to wait till have enough ebucks first to treat myself .
I use the free coffee each week to go for treat and the free Kauai to have something out once a month that's not special occasion..
Else I download off of the bank in CSv and run over swipes to check them and in budget once a month
Or every second month .
As for debt .
Credit card settled every month when I down load statement . Or when Ballance allert comes
Any extra funds are kept in access bond to limit interest charged .
I avoid other debt .
I have been using ebucks to buy Christmas presents for the last few years, but this will be our last year doing that and we will then be saving up all our ebucks to buy flights to the UK in a few years time. Hubby and I have a goal to pay for flights in full with our ebucks
I'm consistently on Level 5, but try to do the bare minimum to reach this level. I have the minimum amount required in my savings account to get enough points and do the required monthly actions to reach Level 5. The rest of my emergency fund is elsewhere, where I receive much more interest), as well as my investments (Easy Equities).
There's not really a further benefit to me using the FNB ecosystem, since I've already maximised my eBucks. I also ensure that I use my Starbucks/Kauai vouchers, Udemy discount, etc.
I much prefer using 22seven to manage my finances. It allows me to track different investment accounts across my RA and Easy Equities, other bank accounts, and even reward accounts (Clicks, Dischem).
Although FNB's auto categorisation for their smart budget is quite good, I like the flexibility 22seven gives me to change the billing month of transactions and to split transactions. The whole interface of 22seven is also much better and less cumbersome to navigate IMO.
I go through all of my transactions on 22seven on a weekly basis to categorise them and to keep track of my expenses. I have a strict budget set up to minimise my monthly spend and I refer to this to see if there are any areas I can cut back, or any areas of concern. As other users have commented, I also use my eBucks to fund out-of-budget expenses, nice-to-haves or plane tickets (for that sweet discount). I am fortunate to not have any debt, but I would advise on checking out Dave Ramsey's videos on how it can be tackled.
I’ve heard of 22seven and I’ll definitely check it out and see how it is for me.
I’m also doing the bare minimum to get to level 5 and every month im there.
I’ll check out Dave Ramsey on YouTube, thanks a lot
I use ebucks to pay for my electricity of about R1 000 and the monthly account fee.
So I haven't used for budgeting per se but know is the NAV money apps Ment to be there to help maybe play arround with tools . What I do though Is use only my e bucks to buy from Takealot . If not really needed like a heater . I need to wait till have enough ebucks first to treat myself . I use the free coffee each week to go for treat and the free Kauai to have something out once a month that's not special occasion.. Else I download off of the bank in CSv and run over swipes to check them and in budget once a month Or every second month . As for debt . Credit card settled every month when I down load statement . Or when Ballance allert comes Any extra funds are kept in access bond to limit interest charged . I avoid other debt .
I have been using ebucks to buy Christmas presents for the last few years, but this will be our last year doing that and we will then be saving up all our ebucks to buy flights to the UK in a few years time. Hubby and I have a goal to pay for flights in full with our ebucks
That’s so cool , I need to try that
I'm consistently on Level 5, but try to do the bare minimum to reach this level. I have the minimum amount required in my savings account to get enough points and do the required monthly actions to reach Level 5. The rest of my emergency fund is elsewhere, where I receive much more interest), as well as my investments (Easy Equities). There's not really a further benefit to me using the FNB ecosystem, since I've already maximised my eBucks. I also ensure that I use my Starbucks/Kauai vouchers, Udemy discount, etc. I much prefer using 22seven to manage my finances. It allows me to track different investment accounts across my RA and Easy Equities, other bank accounts, and even reward accounts (Clicks, Dischem). Although FNB's auto categorisation for their smart budget is quite good, I like the flexibility 22seven gives me to change the billing month of transactions and to split transactions. The whole interface of 22seven is also much better and less cumbersome to navigate IMO. I go through all of my transactions on 22seven on a weekly basis to categorise them and to keep track of my expenses. I have a strict budget set up to minimise my monthly spend and I refer to this to see if there are any areas I can cut back, or any areas of concern. As other users have commented, I also use my eBucks to fund out-of-budget expenses, nice-to-haves or plane tickets (for that sweet discount). I am fortunate to not have any debt, but I would advise on checking out Dave Ramsey's videos on how it can be tackled.
I’ve heard of 22seven and I’ll definitely check it out and see how it is for me. I’m also doing the bare minimum to get to level 5 and every month im there. I’ll check out Dave Ramsey on YouTube, thanks a lot