TL;DR A budget is a plan for your income and expenses, acting as a road map to achieve financial goals . Tracking income (e.g., salaries, allowances) and expenses (e.g., groceries, transpo…

It is a wonderful Tuesday morning in Johannesburg. The sun is out, birds are chirping, and I am feeling pretty excited about tackling the rest of the week. Although the pressures of school, work, and life…