In South Africa, increasingly more women are stepping into their truth and earning, saving, and investing on their own terms. This doesn’t come naturally to everyone, though. Building a solid financial future takes more than hard work, it requires smart planning, the right tools, and a willingness to learn, even when money matters feel overwhelming. 

Whether you’re just starting your career, managing a household, or mapping out your retirement, the good news is that it’s never too early – or too late – to make empowering money moves.  

With that in mind, let’s take a closer look at how you can take control of your financial life, one step at a time. 

Need a starting point? The AA Inform Budget Planner can help you work out what you’re earning, spending, and saving each month. 

Pay Yourself First 

Don’t skip this step, thinking that we are addressing the CEOs, business owners, and hustlers. Even if you are employed, make sure that before you cover bills, school fees, or loan repayments, you start by transferring a portion of your income into a savings or investment account. This mindset shift, whereby you treat saving as essential and not optional, builds healthy habits and creates a safety net you can rely on in tough times. 

Even R100 or R200 a month adds up over time, especially if you’re earning interest or investing it wisely. 

Tip: Automate this transfer to happen on payday so that you don’t forget and avoid the risk of being tempted to spend it. 

Get Clear On Your Credit 

Your credit score influences everything, from your car finance to cellphone contracts. A poor score could lead to higher interest rates or rejected applications, even if you can afford the repayments. This is why it is so important to understand how it works and to check your credit report at least once a year. 

You’re entitled to one free credit report per year from major bureaus like TransUnion and Experian. Look out for old accounts, incorrect listings, or fraudulent activity and take steps to improve your score by paying on time and reducing unnecessary debt. 

Use the AA Inform Credit Score Explainer to decode what your number means and how to boost it. 

Know Where Your Money Goes 

A good lipstick in your perfect shade is the key to confidently walking out the door, but when it comes to your money, we would argue that a realistic budget is the foundation of your financial confidence. It helps you prioritise essentials, spot areas of overspending, and make room for long-term goals. We would also say that the real power lies in sticking to your budget, especially when unexpected expenses pop up. 

You can track your spending for a month using an app or AA Inform’s printable monthly expense tracker. You might be surprised how much disappears on takeaways, delivery fees, or subscriptions you’ve even forgotten about. 

Start Investing Early, Even With Small Amounts 

You don’t need a finance degree or thousands of rands to get started. Thanks to tax-free savings accounts (TFSAs), low-cost investment platforms, and micro-investing apps, everyday women are building wealth with as little as R50 or R100 a month. 

The key is consistency. The earlier you start, the more you benefit from compound interest – where your money earns money over time. 

Explore our beginner’s guide to investing (coming soon to AA Inform) to understand your options and how to get started safely. 

Protect Yourself With The Right Cover 

Insurance isn’t just for car accidents or hospital stays. It is a powerful tool that protects your income, health, and future.  

Make sure you have the basics covered: 

• Medical aid or health insurance (for unexpected illness or emergencies). 

• Car insurance (especially if your vehicle is financed). 

• Income protection or funeral cover (for peace of mind if life takes a sudden turn). 

Visit our insurance hub to compare cover types and learn what’s worth having. 

Feeling Informed? 

Financial freedom isn’t about having millions. It’s about making confident, informed choices, and backing yourself to build the life you want. Start small. Stay consistent. And remember: Knowledge is your greatest asset. 

If you’re looking for more practical advice, budget-friendly ideas, and planning tools, then please take a few minutes to explore the rest of AA Inform.