1. DO AN AU­DIT

YOU (South Africa) - - YOU LIFESTYLE -

Work out how much money you have left – it may be a grim task but at least you’ll know ex­actly how much you have to spend each day.

Try to avoid tak­ing on ex­tra debt, such as a per­sonal loan, which has to be paid back over a cer­tain pe­riod.

Tak­ing on ex­tra debt will mean you’ll be in an even worse po­si­tion this time next year.

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