Making sure you have all financial responsibilities covered can be overwhelming especially at the beginning of a new year, says Mellony Ramalho, African Bank’s group executive: sales, branch network.

The only way to get on top of your finances is to make a budget at the start of the year and stick to it.

“Learning how to budget properly and sticking to a budget is a discipline that everyone should learn. A budget should make provision for the here and now, but also include room for future g...


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