{"id":180,"date":"2026-05-23T09:30:00","date_gmt":"2026-05-23T07:30:00","guid":{"rendered":"http:\/\/dummy.xtemos.com\/woodmart2\/elementor\/?p=180"},"modified":"2026-05-23T09:30:00","modified_gmt":"2026-05-23T07:30:00","slug":"stokvels-explained-running-a-savings-group-with-your-friends","status":"publish","type":"post","link":"https:\/\/live.allanuxweb.com\/saas-landing\/mobile-app\/stokvels-explained-running-a-savings-group-with-your-friends\/","title":{"rendered":"Stokvels explained: running a savings group with your friends"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"180\" class=\"elementor elementor-180\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"wd-negative-gap elementor-element elementor-element-a8070b5 e-flex e-con-boxed e-con e-parent\" data-id=\"a8070b5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1e02cdf elementor-widget elementor-widget-wd_text_block\" data-id=\"1e02cdf\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;highlighted_vertical_offset&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;highlighted_vertical_offset_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;highlighted_vertical_offset_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"wd_text_block.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"wd-text-block reset-last-child text-left\">\n\t\t\t\n\t\t\t<p>Every household has bills that creep up quietly. Airtime, data, subscriptions and the small things you stopped noticing. Go through your last three months of statements and mark what you no longer use. Cancelling just three of them can free up a few hundred Rand each month. Put that money straight into a savings goal inside the app and watch it work for you.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3150e4f wd-width-100 elementor-widget elementor-widget-wd_title\" data-id=\"3150e4f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;highlighted_vertical_offset&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;highlighted_vertical_offset_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;highlighted_vertical_offset_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"wd_title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"title-wrapper wd-set-mb reset-last-child wd-title-color-default wd-title-style-bordered wd-title-size-default text-left\">\n\n\t\t\t\n\t\t\t<div class=\"liner-continer\">\n\t\t\t\t<h4 class=\"woodmart-title-container title wd-fontsize-l\">Budget Basics <\/h4> \n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7e8454d elementor-widget elementor-widget-wd_text_block\" data-id=\"7e8454d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;highlighted_vertical_offset&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;highlighted_vertical_offset_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;highlighted_vertical_offset_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"wd_text_block.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"wd-text-block reset-last-child text-left\">\n\t\t\t\n\t\t\t<p><em>Saving is easier when it is automatic. Choose a day close to payday and set a fixed amount to move into your goal. You will not miss what you never see in your main account, and the habit builds quickly over a few months.<\/em><\/p><p>Review your goals once a month. If a goal is too tight, change the amount or the date. A plan that bends is better than a plan you abandon, and Ubuntuly makes these changes quick and painless.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ce69834 elementor-widget elementor-widget-wd_image_or_svg\" data-id=\"ce69834\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"wd_image_or_svg.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\t\t<div class=\"wd-image text-left\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"326\" src=\"https:\/\/live.allanuxweb.com\/saas-landing\/mobile-app\/wp-content\/uploads\/2021\/08\/decoration-wooden-2-opt.jpg\" class=\"attachment-full size-full\" alt=\"\" \/>\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bf209a0 elementor-widget elementor-widget-wd_text_block\" data-id=\"bf209a0\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;highlighted_vertical_offset&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;highlighted_vertical_offset_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;highlighted_vertical_offset_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"wd_text_block.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"wd-text-block reset-last-child text-left\">\n\t\t\t\n\t\t\t<p>Start by listing everything you pay for every month. Rent, transport, insurance, school fees, electricity and food. Add them up and compare the total with your take-home pay. The gap, good or bad, is your starting point for every other decision.<\/p><p>Next, split what remains into needs, wants and savings. There is no perfect ratio. Pick one that suits your family and stick to it for three months before changing anything. Consistency teaches you more than any clever trick.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"wd-negative-gap elementor-element elementor-element-5328236 e-flex e-con-boxed e-con e-parent\" data-id=\"5328236\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-01cf668 e-con-full e-flex e-con e-child\" data-id=\"01cf668\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-071154a elementor-widget elementor-widget-wd_image_or_svg\" data-id=\"071154a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"wd_image_or_svg.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\t\t<div class=\"wd-image text-left\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"509\" src=\"https:\/\/live.allanuxweb.com\/saas-landing\/mobile-app\/wp-content\/uploads\/2021\/08\/decoration-wooden-3-opt.jpg\" class=\"attachment-full size-full\" alt=\"\" \/>\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d046ffa e-con-full e-flex e-con e-child\" data-id=\"d046ffa\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2c0e0ff elementor-widget elementor-widget-wd_text_block\" data-id=\"2c0e0ff\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;highlighted_vertical_offset&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;highlighted_vertical_offset_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;highlighted_vertical_offset_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"wd_text_block.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"wd-text-block reset-last-child text-left\">\n\t\t\t\n\t\t\t<p>Many people in Woodstock and across Cape Town share the same worry: the end of the month arrives before the money does. The fix is usually small changes made early, not big sacrifices made late.<\/p><blockquote><p>Pay yourself first. Move your savings the day your salary lands, and live on what remains.<\/p><\/blockquote><p>It sounds simple because it is. Try it for one month with a small amount, see how it feels, and then raise it when you are ready.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"wd-negative-gap elementor-element elementor-element-60c9533 e-flex e-con-boxed e-con e-parent\" data-id=\"60c9533\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-b380eff e-con-full e-flex e-con e-child\" data-id=\"b380eff\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7819135 elementor-widget elementor-widget-wd_text_block\" data-id=\"7819135\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;highlighted_vertical_offset&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;highlighted_vertical_offset_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;highlighted_vertical_offset_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"wd_text_block.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"wd-text-block reset-last-child text-left\">\n\t\t\t\n\t\t\t<p>A savings group works best when everyone knows the rules. Agree on the monthly amount, the payout order and what happens when someone is late. Write it down and share it with the group so there are no surprises later.<\/p><p>Use the app to keep track of contributions and payout dates. Everyone can see the same list, which builds trust and saves long arguments. When the group runs smoothly, the savings feel like a team win for every member.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b6c1b6f e-con-full e-flex e-con e-child\" data-id=\"b6c1b6f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a33366d elementor-widget elementor-widget-wd_image_or_svg\" data-id=\"a33366d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"wd_image_or_svg.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\t\t<div class=\"wd-image text-left\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"860\" height=\"688\" src=\"https:\/\/live.allanuxweb.com\/saas-landing\/mobile-app\/wp-content\/uploads\/2021\/08\/lounge-chair-gallery-1.jpg\" class=\"attachment-full size-full\" alt=\"\" srcset=\"https:\/\/live.allanuxweb.com\/saas-landing\/mobile-app\/wp-content\/uploads\/2021\/08\/lounge-chair-gallery-1.jpg 860w, https:\/\/live.allanuxweb.com\/saas-landing\/mobile-app\/wp-content\/uploads\/2021\/08\/lounge-chair-gallery-1-375x300.jpg 375w\" sizes=\"auto, (max-width: 860px) 100vw, 860px\" \/>\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"wd-negative-gap elementor-element elementor-element-c3dbc1a e-flex e-con-boxed e-con e-parent\" data-id=\"c3dbc1a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-31f2dca e-con-full e-flex e-con e-child\" data-id=\"31f2dca\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5e1bddd wd-width-100 elementor-widget elementor-widget-wd_products\" data-id=\"5e1bddd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"wd_products.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\n\t\t\t<div id=\"carousel-156\" class=\"wd-carousel-container  wd-products-element wd-products products wd-loop-builder-off\">\n\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t\t\t<div class=\"wd-carousel-inner\">\n\t\t\t\t\t<div class=\" wd-carousel wd-grid\" data-scroll_per_page=\"yes\" style=\"--wd-col-lg:1;--wd-col-md:1;--wd-col-sm:1;--wd-gap-lg:20px;--wd-gap-sm:10px;\">\n\t\t\t\t\t\t<div class=\"wd-carousel-wrap\">\n\t\t\t\t\t\t\t\t\t<div class=\"wd-carousel-item\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"wd-product wd-hover-base wd-hover-with-fade wd-fade-off product-no-swatches product-grid-item product type-product post-411 status-publish instock product_cat-savings-tools has-post-thumbnail shipping-taxable purchasable product-type-simple\" data-loop=\"1\" data-id=\"411\">\n\t\n<div class=\"wd-product-wrapper product-wrapper\">\n\t<div class=\"wd-product-card-bg content-product-imagin\"><\/div>\n\t<div class=\"wd-product-thumb product-element-top wd-quick-shop\">\n\t\t<a href=\"https:\/\/live.allanuxweb.com\/saas-landing\/mobile-app\/product\/amber-glass-savings-jar\/\" class=\"wd-product-img-link product-image-link\" tabindex=\"-1\" aria-label=\"Amber Glass Savings Jar\">\n\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"700\" height=\"800\" src=\"https:\/\/live.allanuxweb.com\/saas-landing\/mobile-app\/wp-content\/uploads\/2021\/08\/ubuntuly-amber-glass-savings-jar-with-a-black-coin-slot-lid-20153.jpg\" class=\"attachment-large size-large\" alt=\"Amber glass savings jar with a black coin slot lid, filled partly with rand coins, hanging-free standing product shot\" srcset=\"https:\/\/live.allanuxweb.com\/saas-landing\/mobile-app\/wp-content\/uploads\/2021\/08\/ubuntuly-amber-glass-savings-jar-with-a-black-coin-slot-lid-20153.jpg 700w, https:\/\/live.allanuxweb.com\/saas-landing\/mobile-app\/wp-content\/uploads\/2021\/08\/ubuntuly-amber-glass-savings-jar-with-a-black-coin-slot-lid-20153-263x300.jpg 263w, https:\/\/live.allanuxweb.com\/saas-landing\/mobile-app\/wp-content\/uploads\/2021\/08\/ubuntuly-amber-glass-savings-jar-with-a-black-coin-slot-lid-20153-430x491.jpg 430w, https:\/\/live.allanuxweb.com\/saas-landing\/mobile-app\/wp-content\/uploads\/2021\/08\/ubuntuly-amber-glass-savings-jar-with-a-black-coin-slot-lid-20153-180x206.jpg 180w\" sizes=\"auto, (max-width: 700px) 100vw, 700px\" \/>\t\t<\/a>\n\n\t\t\t\t\t<div class=\"wd-product-img-hover hover-img\">\n\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"700\" height=\"800\" src=\"https:\/\/live.allanuxweb.com\/saas-landing\/mobile-app\/wp-content\/uploads\/2021\/08\/senectus-tincidunt-2.jpg\" class=\"attachment-large size-large\" alt=\"\" \/>\t\t\t<\/div>\n\t\t\t\n\t\t<div class=\"wrapp-swatches\">\t\t<div class=\"wd-compare-btn wd-action-btn wd-style-icon wd-compare-icon\">\n\t\t\t<a href=\"https:\/\/live.allanuxweb.com\/saas-landing\/mobile-app\/compare\/\" class=\"\" data-id=\"411\" rel=\"nofollow\" aria-label=\"Toggle compare\">\n\t\t\t\t<span class=\"wd-action-icon\">\n\t\t\t\t\t<span class=\"wd-check-icon\"><\/span>\n\t\t\t\t<\/span>\n\t\t\t\t<span class=\"wd-action-text\">Compare<\/span>\n\t\t\t<\/a>\n\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"product-element-bottom product-information\">\n\t\t<h3 class=\"wd-entities-title\"><a href=\"https:\/\/live.allanuxweb.com\/saas-landing\/mobile-app\/product\/amber-glass-savings-jar\/\">Amber Glass Savings Jar<\/a><\/h3>\t\t\t\t<div class=\"wd-product-cats\">\n\t\t\t\t\t\t<a href=\"https:\/\/live.allanuxweb.com\/saas-landing\/mobile-app\/product-category\/savings-tools\/\" rel=\"tag\">Savings Tools<\/a>\t\t<\/div>\n\t\t\t\t<div class=\"product-rating-price\">\n\t\t\t<div class=\"wrapp-product-price\">\n\t\t\t\t\n\t<span class=\"price\"><span class=\"woocommerce-Price-amount amount\"><bdi><span class=\"woocommerce-Price-currencySymbol\" translate=\"no\">&#82;<\/span>249.00<\/bdi><\/span><\/span>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"wd-product-card-hover fade-in-block wd-scroll\">\n\t\t\t<div class=\"hover-content wd-more-desc\">\n\t\t\t\t<div class=\"hover-content-inner wd-more-desc-inner\">\n\t\t\t\t\t<p>A sturdy amber glass jar for cash savings goals, with a printed tracker card you can match to your Ubuntuly app goal.<\/p>\n\t\t\t\t<\/div>\n\t\t\t\t<a href=\"#\" rel=\"nofollow\" class=\"wd-more-desc-btn\" aria-label=\"Read more description\"><\/a>\n\t\t\t<\/div>\n\t\t\t<div class=\" wd-buttons wd-pos-r-t\">\n\t\t\t\t<div class=\"wrap-wishlist-button\">\t\t\t<div class=\"wd-wishlist-btn wd-action-btn wd-style-icon wd-wishlist-icon\">\n\t\t\t\t<a class=\"\" href=\"https:\/\/live.allanuxweb.com\/saas-landing\/mobile-app\/wishlist\/\" data-key=\"7234a17e6d\" data-product-id=\"411\" rel=\"nofollow\" aria-label=\"Toggle wishlist\">\n\t\t\t\t\t<span class=\"wd-action-icon\">\n\t\t\t\t\t\t<span class=\"wd-check-icon\"><\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<span class=\"wd-action-text\">Add to wishlist<\/span>\n\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"wd-add-btn wd-action-btn wd-style-icon wd-add-cart-icon\">\n\t\t\t\t\t<a href=\"\/saas-landing\/mobile-app\/wp-json\/wp\/v2\/posts\/180?add-to-cart=411\"  data-quantity=\"1\" class=\"button product_type_simple add_to_cart_button ajax_add_to_cart add-to-cart-loop\" data-product_id=\"411\" data-product_sku=\"\" aria-label=\"Add to cart: &ldquo;Amber Glass Savings Jar&rdquo;\" rel=\"nofollow\" data-success_message=\"&ldquo;Amber Glass Savings Jar&rdquo; has been added to your cart\" role=\"button\"><span class=\"wd-action-icon\"><span class=\"wd-check-icon\"><\/span><\/span><span class=\"wd-action-text\" aria-hidden=\"true\">Add to cart<\/span><\/a>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"wrap-quickview-button\">\t\t<div class=\"wd-quick-view-btn wd-quick-view-icon wd-action-btn wd-style-icon\">\n\t\t\t<a\n\t\t\t\thref=\"https:\/\/live.allanuxweb.com\/saas-landing\/mobile-app\/product\/amber-glass-savings-jar\/\"\n\t\t\t\tclass=\"open-quick-view\"\n\t\t\t\trel=\"nofollow\"\n\t\t\t\tdata-id=\"411\"\n\t\t\t\taria-label=\"Quick view\"\n\t\t\t\t>\n\t\t\t\t\t<span class=\"wd-action-icon\"><\/span>\n\t\t\t\t\t<span class=\"wd-action-text\" aria-hidden=\"true\">\n\t\t\t\t\t\tQuick view\t\t\t\t\t<\/span>\n\t\t\t<\/a>\n\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t\t\t\t\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<div class=\"wd-nav-arrows wd-pos-sep wd-hover-1 wd-icon-1\">\n\t\t\t<div class=\"wd-btn-arrow wd-prev wd-disabled\">\n\t\t\t\t<div class=\"wd-arrow-inner\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"wd-btn-arrow wd-next\">\n\t\t\t\t<div class=\"wd-arrow-inner\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t<div class=\"wd-nav-pagin-wrap text-center wd-style-shape wd-hide-md-sm wd-hide-sm\">\n\t\t\t<ul class=\"wd-nav-pagin\"><\/ul>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d8a62e6 e-con-full e-flex e-con e-child\" data-id=\"d8a62e6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7005e1e wd-width-100 elementor-widget elementor-widget-wd_title\" data-id=\"7005e1e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;highlighted_vertical_offset&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;highlighted_vertical_offset_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;highlighted_vertical_offset_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"wd_title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"title-wrapper wd-set-mb reset-last-child wd-title-color-default wd-title-style-bordered wd-title-size-default text-left\">\n\n\t\t\t\n\t\t\t<div class=\"liner-continer\">\n\t\t\t\t<h4 class=\"woodmart-title-container title wd-fontsize-l\">Savings Goals<\/h4> \n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-427775d elementor-widget elementor-widget-wd_text_block\" data-id=\"427775d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;highlighted_vertical_offset&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;highlighted_vertical_offset_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;highlighted_vertical_offset_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"wd_text_block.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"wd-text-block reset-last-child text-left\">\n\t\t\t\n\t\t\t<p>Your first budget does not need to be perfect. Start with what comes in each month, then list what must be paid: rent, transport, groceries and debit orders. Whatever is left is yours to save or spend.<\/p><p>Check your bank statement for the last three months. You will spot small leaks, like unused subscriptions and takeaways that crept in. Cut one or two and move that money into savings on payday.<\/p><p>Review the numbers every Sunday. It takes five minutes.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"wd-negative-gap elementor-element elementor-element-76be73c e-flex e-con-boxed e-con e-parent\" data-id=\"76be73c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-04a0e94 elementor-widget elementor-widget-wd_text_block\" data-id=\"04a0e94\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;highlighted_vertical_offset&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;highlighted_vertical_offset_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;highlighted_vertical_offset_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"wd_text_block.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"wd-text-block reset-last-child text-left\">\n\t\t\t\n\t\t\t<p>Stokvels have helped South African families save for generations. A group of friends or family agrees on a monthly amount, and the pot goes to one member in turn or is kept for a big spend in December. Trust and clear rules matter most.<\/p><p><em>Write the rules down, choose a treasurer and keep a shared record of who has paid. Using the app makes this easier because everyone can see the balance at any time.<\/em><\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Every household has bills that creep up quietly. Airtime, data, subscriptions and the small things you stopped noticing. Go through<\/p>\n","protected":false},"author":1,"featured_media":147,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[57],"tags":[67,88,86],"class_list":["post-180","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-budgeting-basics","tag-groceries","tag-investing","tag-tax"],"_links":{"self":[{"href":"https:\/\/live.allanuxweb.com\/saas-landing\/mobile-app\/wp-json\/wp\/v2\/posts\/180","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/live.allanuxweb.com\/saas-landing\/mobile-app\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/live.allanuxweb.com\/saas-landing\/mobile-app\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/live.allanuxweb.com\/saas-landing\/mobile-app\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/live.allanuxweb.com\/saas-landing\/mobile-app\/wp-json\/wp\/v2\/comments?post=180"}],"version-history":[{"count":2,"href":"https:\/\/live.allanuxweb.com\/saas-landing\/mobile-app\/wp-json\/wp\/v2\/posts\/180\/revisions"}],"predecessor-version":[{"id":35618,"href":"https:\/\/live.allanuxweb.com\/saas-landing\/mobile-app\/wp-json\/wp\/v2\/posts\/180\/revisions\/35618"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/live.allanuxweb.com\/saas-landing\/mobile-app\/wp-json\/wp\/v2\/media\/147"}],"wp:attachment":[{"href":"https:\/\/live.allanuxweb.com\/saas-landing\/mobile-app\/wp-json\/wp\/v2\/media?parent=180"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/live.allanuxweb.com\/saas-landing\/mobile-app\/wp-json\/wp\/v2\/categories?post=180"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/live.allanuxweb.com\/saas-landing\/mobile-app\/wp-json\/wp\/v2\/tags?post=180"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}