{"title":"Toolkits","description":"\u003cp\u003eGuides and templates for everyday money, work and business in South Africa.\u003c\/p\u003e","products":[{"product_id":"month-end-budget-debt-toolkit","title":"Month-End Budget \u0026 Debt Toolkit","description":"\u003cp\u003e\u003cstrong\u003eGive your money a plan before month-end.\u003c\/strong\u003e See planned and actual spending, organise bill dates, explore debt repayments and build a savings target with an Excel toolkit made for South African households.\u003c\/p\u003e\u003ch3\u003eYour download contains 2 files\u003c\/h3\u003e\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003e8-page PDF guide:\u003c\/strong\u003e setting up your budget, managing the last week of the month, debt repayment approaches, two-pot withdrawals and finding help.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eExcel workbook (.xlsx), 8 sheets:\u003c\/strong\u003e Start Here, Budget, Spending Log, Debt Payoff, Two-Pot Checker, Month-End Plan, Emergency Fund and Notes \u0026amp; Sources.\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch3\u003eWhat you can do\u003c\/h3\u003e\u003cul\u003e\n\u003cli\u003eCompare your planned budget with spending recorded in the log.\u003c\/li\u003e\n\u003cli\u003eExplore debt payoff order, repayment periods and extra-payment estimates.\u003c\/li\u003e\n\u003cli\u003eEstimate two-pot withdrawal tax and fees using the assumptions in the workbook.\u003c\/li\u003e\n\u003cli\u003eMap bill dates and set an emergency savings target.\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch3\u003eBefore you buy\u003c\/h3\u003e\u003cp\u003eThis is one ZIP download containing a PDF and an editable Excel workbook. 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