{"id":456,"date":"2026-07-07T08:30:00","date_gmt":"2026-07-07T06:30:00","guid":{"rendered":"http:\/\/dummy.xtemos.com\/woodmart2\/elementor\/?p=456"},"modified":"2026-07-07T08:30:00","modified_gmt":"2026-07-07T06:30:00","slug":"building-an-emergency-fund-one-month-at-a-time","status":"publish","type":"post","link":"https:\/\/live.allanuxweb.com\/saas-landing\/mobile-app\/building-an-emergency-fund-one-month-at-a-time\/","title":{"rendered":"Building an emergency fund one month at a time"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"456\" class=\"elementor elementor-456\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"wd-negative-gap elementor-element elementor-element-6be5a1b e-flex e-con-boxed e-con e-parent\" data-id=\"6be5a1b\" 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-cf3c4f4 elementor-widget elementor-widget-wd_text_block\" data-id=\"cf3c4f4\" 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>Groceries are often the easiest place to find savings. Write a list before you leave home and stick to it. Compare unit prices, not only the shelf price, and check the loyalty specials at your usual stores. Buy staples like rice, maize meal and oil in larger packs when you can afford it. Plan three dinners around one cheap protein so nothing goes to waste.<\/p><p><em>Keep a running total on your phone as you shop. If the trolley goes over your limit, put back the extras. It adds up by month end.<\/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<div class=\"wd-negative-gap elementor-element elementor-element-23da163 e-flex e-con-boxed e-con e-parent\" data-id=\"23da163\" 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-087d0bb e-con-full e-flex e-con e-child\" data-id=\"087d0bb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-05504c5 elementor-widget elementor-widget-wd_text_block\" data-id=\"05504c5\" 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<h2>Plan the week<\/h2><p>Check your cupboards first, then plan meals around specials and what you already have.<\/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-d1b1d7b elementor-widget elementor-widget-wd_infobox\" data-id=\"d1b1d7b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"wd_infobox.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"info-box-wrapper\">\n\t\t\t\t\t\t<div class=\"wd-info-box text-left box-icon-align-top box-style-base color-scheme-\">\n\t\t\t\t\n\t\t\t\t<div class=\"info-box-content\">\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<h4\t\t\t\t\t\tclass=\"info-box-title title box-title-style-default wd-fontsize-s\" data-elementor-setting-key=\"title\">\n\t\t\t\t\t\t\t\tWORKSHOP INFO\t\t\t\t\t\t<\/h4>\n\t\t\t\t\t\n\t\t\t\t\t<div class=\"info-box-inner reset-last-child\"data-elementor-setting-key=\"content\"><p>\u201cBudget Basics\u201d @Ubuntuly Woodstock<br \/>\n160 Sir Lowry Road, Woodstock, Cape Town<br \/>\nSaturday 14 November, from 10:00 to 12:00<\/p>\n<\/div>\n\n\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t<a href=\"#\" class=\"wd-info-box-link wd-fill\" aria-label=\"Infobox link\"><\/a>\n\t\t\t\t\t\t\t<\/div>\n\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-174d718 elementor-widget elementor-widget-wd_text_block\" data-id=\"174d718\" 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>Bring your latest payslip and bank statement, and we will help you build a simple plan together.<\/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-b4d3ace e-con-full e-flex e-con e-child\" data-id=\"b4d3ace\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c08470c elementor-widget elementor-widget-wd_image_or_svg\" data-id=\"c08470c\" 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 photoswipe-images\">\n\t\t\t\t\t\t\t<a  href=\"https:\/\/live.allanuxweb.com\/saas-landing\/mobile-app\/wp-content\/uploads\/2021\/08\/ubuntuly-family-in-a-south-african-home-putting-money-into-9aba2.jpg\"data-width=\"1024\" data-height=\"720\" data-elementor-open-lightbox=\"no\" aria-label=\"Image link\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"700\" height=\"600\" src=\"https:\/\/live.allanuxweb.com\/saas-landing\/mobile-app\/wp-content\/uploads\/2021\/08\/ubuntuly-family-in-a-south-african-home-putting-money-into-9aba2-700x600.jpg\" class=\"attachment-700x600 size-700x600\" alt=\"Family in a South African home putting money into a December savings jar with a blank-screen phone and wrapped gifts nea\" srcset=\"https:\/\/live.allanuxweb.com\/saas-landing\/mobile-app\/wp-content\/uploads\/2021\/08\/ubuntuly-family-in-a-south-african-home-putting-money-into-9aba2-700x600.jpg 700w, https:\/\/live.allanuxweb.com\/saas-landing\/mobile-app\/wp-content\/uploads\/2021\/08\/ubuntuly-family-in-a-south-african-home-putting-money-into-9aba2-75x65.jpg 75w\" sizes=\"auto, (max-width: 700px) 100vw, 700px\" \/>\t\t\t\t\t\t\t<\/a>\n\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-a0aab3a e-flex e-con-boxed e-con e-parent\" data-id=\"a0aab3a\" 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-34dc573 elementor-widget elementor-widget-wd_text_block\" data-id=\"34dc573\" 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>Store cards feel easy at the till, but the interest adds up quickly. List every account with its balance and interest rate. Pay the minimum on all of them, then put any extra money toward the one with the highest rate. When that account is cleared, move the same amount to the next one. Steady progress works better than occasional big payments.<\/p><h2>Close the small accounts first<\/h2>\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-7402249 wd-width-100 elementor-widget elementor-widget-wd_images_gallery\" data-id=\"7402249\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"wd_images_gallery.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"wd-images-gallery photoswipe-images\" style=\"--wd-align-items:center; --wd-justify-content:center;\">\n\t\t\t\t\t\t<div class=\"wd-grid-g\" style=\"--wd-col-lg:3;--wd-col-md:3;--wd-col-sm:2;--wd-gap-lg:10px;\" >\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"wd-gallery-item wd-col\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<a  href=\"https:\/\/live.allanuxweb.com\/saas-landing\/mobile-app\/wp-content\/uploads\/2021\/08\/ubuntuly-south-african-woman-at-a-home-table-reviewing-her-ac107.jpg\" data-width=\"1024\" data-height=\"720\" data-index=\"1\" data-elementor-open-lightbox=\"no\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"400\" height=\"300\" src=\"https:\/\/live.allanuxweb.com\/saas-landing\/mobile-app\/wp-content\/uploads\/2021\/08\/ubuntuly-south-african-woman-at-a-home-table-reviewing-her-ac107-400x300.jpg\" class=\"attachment-400x300 size-400x300\" alt=\"South African woman at a home table reviewing her budget with a notebook, calculator and phone\" \/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"wd-gallery-item wd-col\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<a  href=\"https:\/\/live.allanuxweb.com\/saas-landing\/mobile-app\/wp-content\/uploads\/2021\/08\/ubuntuly-person-at-a-kitchen-table-in-a-south-african-home-705e8.jpg\" data-width=\"1024\" data-height=\"720\" data-index=\"2\" data-elementor-open-lightbox=\"no\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"400\" height=\"300\" src=\"https:\/\/live.allanuxweb.com\/saas-landing\/mobile-app\/wp-content\/uploads\/2021\/08\/ubuntuly-person-at-a-kitchen-table-in-a-south-african-home-705e8-400x300.jpg\" class=\"attachment-400x300 size-400x300\" alt=\"Person at a kitchen table in a South African home building a first monthly budget with a notebook, calculator and blank-\" \/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"wd-gallery-item wd-col\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<a  href=\"https:\/\/live.allanuxweb.com\/saas-landing\/mobile-app\/wp-content\/uploads\/2021\/08\/ubuntuly-close-up-of-a-hand-holding-a-smartphone-with-a-bla-d3aa8.jpg\" data-width=\"1024\" data-height=\"720\" data-index=\"3\" data-elementor-open-lightbox=\"no\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"400\" height=\"300\" src=\"https:\/\/live.allanuxweb.com\/saas-landing\/mobile-app\/wp-content\/uploads\/2021\/08\/ubuntuly-close-up-of-a-hand-holding-a-smartphone-with-a-bla-d3aa8-400x300.jpg\" class=\"attachment-400x300 size-400x300\" alt=\"Close-up of a hand holding a smartphone with a blank screen beside rand notes and coins and a utility prepaid electricit\" \/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"wd-gallery-item wd-col\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<a  href=\"https:\/\/live.allanuxweb.com\/saas-landing\/mobile-app\/wp-content\/uploads\/2021\/08\/ubuntuly-woman-at-a-desk-sorting-plain-store-cards-and-clot-6f998.jpg\" data-width=\"1024\" data-height=\"720\" data-index=\"4\" data-elementor-open-lightbox=\"no\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"400\" height=\"300\" src=\"https:\/\/live.allanuxweb.com\/saas-landing\/mobile-app\/wp-content\/uploads\/2021\/08\/ubuntuly-woman-at-a-desk-sorting-plain-store-cards-and-clot-6f998-400x300.jpg\" class=\"attachment-400x300 size-400x300\" alt=\"Woman at a desk sorting plain store cards and clothing account statements to pay off debt, with a blank-screen phone and\" \/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"wd-gallery-item wd-col\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<a  href=\"https:\/\/live.allanuxweb.com\/saas-landing\/mobile-app\/wp-content\/uploads\/2021\/08\/ubuntuly-young-south-african-woman-at-a-table-planning-an-e-8c5eb.jpg\" data-width=\"1024\" data-height=\"720\" data-index=\"5\" data-elementor-open-lightbox=\"no\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"400\" height=\"300\" src=\"https:\/\/live.allanuxweb.com\/saas-landing\/mobile-app\/wp-content\/uploads\/2021\/08\/ubuntuly-young-south-african-woman-at-a-table-planning-an-e-8c5eb-400x300.jpg\" class=\"attachment-400x300 size-400x300\" alt=\"Young South African woman at a table planning an emergency fund with a notebook, calculator and a jar of coins, in a bri\" \/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"wd-gallery-item wd-col\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<a  href=\"https:\/\/live.allanuxweb.com\/saas-landing\/mobile-app\/wp-content\/uploads\/2021\/08\/ubuntuly-freelancer-s-tidy-home-desk-with-laptop-notebook-c-54916.jpg\" data-width=\"1024\" data-height=\"720\" data-index=\"6\" data-elementor-open-lightbox=\"no\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"400\" height=\"300\" src=\"https:\/\/live.allanuxweb.com\/saas-landing\/mobile-app\/wp-content\/uploads\/2021\/08\/ubuntuly-freelancer-s-tidy-home-desk-with-laptop-notebook-c-54916-400x300.jpg\" class=\"attachment-400x300 size-400x300\" alt=\"Freelancer&#039;s tidy home desk with laptop, notebook, coin jar and envelopes for budgeting and saving for December\" \/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\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-0f853c9 elementor-widget elementor-widget-wd_text_block\" data-id=\"0f853c9\" 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>Clothing accounts can pile up without you noticing. Ask each store for a statement and check the monthly fee and interest. Cancel cards you no longer use, once they are paid off. Set a reminder a week before every due date so you never pay a late fee.<\/p><blockquote><p>Pay a little more than the minimum each month. Even an extra R100 shortens the time you stay in debt and cuts the interest you pay. Write down the date you plan to be clear and look at it often.<\/p><\/blockquote>\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>Groceries are often the easiest place to find savings. Write a list before you leave home and stick to it.<\/p>\n","protected":false},"author":1,"featured_media":151,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[60],"tags":[74,85,75],"class_list":["post-456","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-money-stories","tag-guide","tag-savings-goals","tag-stokvels"],"_links":{"self":[{"href":"https:\/\/live.allanuxweb.com\/saas-landing\/mobile-app\/wp-json\/wp\/v2\/posts\/456","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=456"}],"version-history":[{"count":2,"href":"https:\/\/live.allanuxweb.com\/saas-landing\/mobile-app\/wp-json\/wp\/v2\/posts\/456\/revisions"}],"predecessor-version":[{"id":35598,"href":"https:\/\/live.allanuxweb.com\/saas-landing\/mobile-app\/wp-json\/wp\/v2\/posts\/456\/revisions\/35598"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/live.allanuxweb.com\/saas-landing\/mobile-app\/wp-json\/wp\/v2\/media\/151"}],"wp:attachment":[{"href":"https:\/\/live.allanuxweb.com\/saas-landing\/mobile-app\/wp-json\/wp\/v2\/media?parent=456"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/live.allanuxweb.com\/saas-landing\/mobile-app\/wp-json\/wp\/v2\/categories?post=456"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/live.allanuxweb.com\/saas-landing\/mobile-app\/wp-json\/wp\/v2\/tags?post=456"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}