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...Step draw up a budget my monthly income rands self partnerspouse other total r expenses home rent loan levies rates and taxes household insurance domestic help security transport bustrain tickets car payment petrol vehicle tracking aa essentials electricity water food medical aid children school fees clothes books extramural activities existing education fund pocket money family clothing toiletries medicine pet care telephone cell phones internet maintenancealimony debt repayment accounts credit cards future retirement annuities lifedisability cover policies investments extras magazines cd s mnetdstvtelevision licence entertainment savings for luxuries surplus available investmentsavings...