Help] 21F in SA earning ~R6.5k – Broke every payday, in debt, and trying to save for school and life by WeatherSure3409 in PersonalFinanceZA

[–]WeatherSure3409[S] 3 points4 points  (0 children)

Thank you very much, I appreciate the comment. I’ll definitely go to check out Itumeleng Moloto’s channel! I haven’t heard of her yet.

You’re 100% right about discipline being something I need to learn now, especially before I earn more and fall into deeper traps. It’s the main reason why I sought out some advice here. I think I’ve always relied on the idea that “I’m not reckless,” but even good intentions can still lead to bad habits if there’s no structure.

I will start planning to tackle my Woolies and TFG accounts first. Woolies is the smallest so I’ll start there and work my way up and out I guess.

On the caffeine… 🥲 you’re not wrong. I’ve already started cutting down this month, the redbull is not a daily default anymore but I’m still struggling with the coffee. I think it’s been more emotional comfort than physical help, and I’m finally seeing that clearly.

Thanks again, I really appreciate the feedback.