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Honest comparison of 7 South African budget spreadsheets — Sanlam, Wonga, FSCA, Nedbank, Xero, and more. Free options reviewed and ranked, plus when a premium template makes sense.

If you've ever opened a blank spreadsheet, stared at it for ten minutes, and quietly closed the tab — you're not alone. Building a budget from scratch is one of those jobs that sounds simple until you actually try to do it. Which categories should you track? How do you set up formulas without breaking them? How do you turn a column of numbers into something that actually changes how...