Resource Library
Curated PDFs, Excel models and worksheets to help you budget, track debt and build long-term wealth.
Personal Budget Template (ZAR)
Monthly income & expense planner with rand formatting and category totals.
Debt Inventory Worksheet
List every account, balance, rate and minimum in one place.
Avalanche Payoff Schedule
Pre-built amortisation table for the avalanche method.
Affordability Self-Assessment
Walk through the same checks a credit provider runs before approving you.
Emergency Fund Calculator
Work out your true 1-month and 3-month expense floor.
Letter to Creditor — Hardship
Editable template requesting a temporary repayment arrangement.
Net Worth Tracker
Track assets and liabilities month-by-month.
First Salary Financial Checklist
Practical checklist for new earners — budgeting, savings, tax.