I've been thinking about the new year and what it will bring and as I speak to people I realise that budgeting in South Africa is something that everyone knows that they should do, but they don't. It's one of…

I've been thinking about the new year and what it will bring and as I speak to people I realise that budgeting in South Africa is something that everyone knows that they should do, but they don't. It's one of…