financial health
Build your financial health in 2020
Practical steps to build your financial health and wealth in 2020 and the decade ahead.
A new year, a clean slate. For many of us, this is a time to reflect and set goals for what we’d like to change and accomplish during the year. In this 6-week series, we’ll cover the practical steps you can take to make 2020 your year for financial success.
If you're following "The Money Guide" series, you can find the digital versions here:
- What is financial health?
- Creating your money plan
- Managing credit and debt
- Saving and building wealth

spend less on bank fees
It’s worth taking the time to understand exactly how much you spend on banking every month. It’s easy to forget this cost, but it should be included in your budget like everything else, and may be an area you can save on.

let your money grow
If you want to build your wealth, you need to get into the habit of saving a portion of your salary every single month.

saving for short-term goals
Whenever you can, get into the habit of saving up before you make purchases – whether it’s a TV or a holiday – rather than buying on credit.

make credit a tool, not a trap
Credit can be a great tool to help you achieve goals, but it can also become a trap that makes this much harder.

how to repay debt
If you’re feeling under pressure with your monthly debt repayments, you’re certainly not alone. It’s time for a repayment plan.

What is financial health?
You probably have a general idea of what it means to have a healthy body. So what’s the equivalent for your bank balance?

SMART financial goals for 2020
Life is busy and it’s expensive. Much of the time, you’re likely thinking about the many immediate demands on your income. But to build your financial health, it’s essential to think about what you want your money to do for you in the future.

Make a roadmap for your money
A money plan, also known as a budget, is the roadmap that directs your financial decisions each month. Our daily spending habits don’t always reflect our big goals and dreams. But, if we don’t plan our spending and our saving, we simply won’t get where we want to be.

How to take charge of your expenses
It doesn’t matter where you are on your financial journey, if you can consistently keep some of the money you earn each month instead of spending it, you can change your financial future.

How to stick to your budget
A budget won’t do you much good if you set and then forget it. Once you’ve created a plan for your monthly spending and saving , how do you stick to it?


get rid of debt
Take immediate action if you're struggling to repay your debt, and keep your credit profile safe.

travel better with your capitec credit card
Our credit card is your perfect travel partner, locally and abroad. Here are 5 ways it can help you bank better to live better.