Tools
Run the numbers first.
Free to use, nothing to sign up for. These exist because the best protection against a bad loan is seeing the whole number before you take it, from us or from anyone else.
Stretch to payday
Money left, days to go, one daily number to pace the week.
What compounding really costs
Flat interest against 40% a month compounding, month by month.
What that rate really is
Turn any weekly or monthly rate into its real annual size.
Which debt to kill first
List what you owe and see the payoff order that loses the least.
What can I afford to borrow?
An honest left-over check before you ask for a slice.
Plan your stokvel year
The pot, the cycle, and what your turn is worth.