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According to Sam Beckbessinger, a finance expert and author of
Manage Your Money like a F cking Grownup: The Best Money Advice You Never Got, the first step to wrangling in your finances is having accurate data about what you’re spending your money on. 
“Install an app like 22seven or get a spreadsheet. Whatever you do, start tracking where your money is going every month,” said Beckbessinger. 
She sat down for a
Daily Maverick webinar on Wednesday with
Business Maverick journalist Ray Mahlaka. 

22seven is a free local app from Old Mutual that helps you budget and invest your money. Similar free apps are moneysmart and My Financial Life from Nedbank.  ....

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