At R1.2m: ~R60K per month after tax & ded. (m/aid, RA, prov/f). Then there's bond + rates&levies (~R15K) & TFSA. There's Em/F, utilities, groc., wifi, home insur., gym.
Before you know it, you're on ~R30K. RS3 on 0% dep. takes R22K min. Petrol + insur. is ~R5K+.
Bal: ~R3K ⚰️
@LwaziMBK@JustXavierB This would be smart if there were no interest on the loan account. I suppose the interest rate is far less than what the taxman was going to impose.