Step 1: Draw up a budget
          My Monthly Income                 Rands
          Income self
          Income partner/spouse
          Other income
          TOTAL                                         R 0.00 (Total income)
          My Monthly Expenses
          My Home 
          Rent
          Home loan
          Levies
          Rates and taxes
          Household insurance
          Domestic help 1
          Domestic help 2
          Security
          My Transport
          Bus/train tickets
          Car payment
          Petrol
          Car insurance
          Vehicle tracking
          AA
          My Essentials
          Electricity and water
          Food
          Medical aid
          My Children
          School fees
          School transport
          School clothes and books
          Extra-mural activities
          Existing education fund
          Pocket money
          My Family
          Family clothing
          Toiletries and medicine
     Pet food and pet care
     Telephone
     Cell phone/s
     Internet payment
     Maintenance/alimony
     My Debt
     Loan repayment
     Accounts
     Credit card/s
     Other
     My Future
     Existing retirement annuities
     Life/disability cover policies
     Existing investments
     My Extras
     Books, magazines, CD's
     M-Net/DSTV/television licence
     Entertainment
     Savings for a …
     Luxuries
     TOTAL                  R 0.00 (Total expenses)
     My Monthly Surplus
     Available for investment/savings
     TOTAL                  R 0.00 (Total Income - Total Expenses)