Work it out before you phone anyone
No sign-up, no email wall. Use one, get your answer, leave. If it turns out you need quotes, you know where we are.
Insurance
Would a payout cover what I owe?
Check the gap between what your insurer would pay and what the bank wants back.
Most people find out they have a gap only after the write-off.
Work it outShould I raise my excess?
See what it saves each month, and how often you can afford to claim.
The saving is the easy number. How long you must go without claiming is the one that decides it.
Work it outHow much life cover do I need?
Built from your debts, your household costs and the cover you already have.
Ten times your salary is a shortcut that ignores everything about your life.
Work it outHow much contents cover do I need?
Walk through the house room by room, and see what underinsuring would cost you.
Insure for half what you own and your insurer can settle every claim at half.
Work it outWhat should my car insurance cost?
A realistic price range for your car, your suburb and your excess.
Being built- Being built
Money
What does my car cost per kilometre?
Your real consumption, the cost per kilometre, and how it compares to the brochure.
You know what a tank costs. Almost nobody knows what a kilometre costs.
Work it outWhat will my bond cost, and can I end it early?
Your repayment, the interest over the term, and what paying extra does to the years.
Every bank shows the repayment. Almost none show what an extra R500 a month does.
Work it outWhat will this car really cost?
Instalment, total interest, and what a balloon payment actually costs you.
The instalment is the number the dealer shows you. It is not the number that matters.
Work it outHow much rent can I afford?
What you can sensibly pay, and what a letting agent will accept.
Agents want rent under 30% of gross income. Your budget may disagree.
Work it outWhat will a late licence renewal cost?
Arrears plus the penalty, worked out from your own annual fee.
Work it outWhere does my money go each month?
A budget planner built around South African household costs.
Not what is left over, but which group is quietly taking too much.
Work it out
Fibre and data
Is fibre available where I live?
Checked against the network operator's own coverage data, not a guess.
Live, being built, or still gauging interest. Three very different answers.
Work it outAm I paying too much for fibre?
What a line costs at your speed, and whether your bill is reasonable.
Not a deal list. Deal lists are wrong a month later.
Work it outWhat am I really paying per gig?
Strip out the night-time data and the promo months.
Being built