your guide to money

Use the Justmoney.co.za budget planner to work out where your money goes every month - and where you could save money

YOUR OUTGOINGS - WHERE YOUR MONEY GOES EACH MONTH

percentage of income

Net monthly income – your take home salary after tax
Mortgage repayment or rent
Loan repayments including vehicle finance and credit cards
Pension payment
Regular savings
Insurance premiums - if you pay annual, divide the figure by 12
School fees
Rates
Medical Insurance
Vehicle and travel expenses such as petrol, bus fares
Household bills (phone, water, electricity)
Groceries including food and drink
Clothing
Leisure and going out
Your total outgoings
Your disposal income - how much is left from your net income after all your monthly outgoings
For suggestions on trimming your monthly outgoings, check out our money savings tips