The Scenario
A recent graduate just started their first job at R18,000/month (before tax). They have R45,000 in student debt, rent of R4,500, and no savings. They want to know: "Will I make it through the first 3 months?"
The Brief
Build a 3-month personal cash flow showing inflows (net salary after PAYE), outflows (rent, transport, food, debt repayment, etc.), and the closing balance each month.
Deliverables
- A 3-month cash flow table: Opening Balance, Net Salary, each expense category, Closing Balance
- A rough PAYE calculation showing how you arrived at the net salary figure
- One specific recommendation for the graduate to build a R5,000 emergency fund within 6 months
Submission Guidance
Use realistic South African costs. Transport in Gauteng is not the same as Cape Town. Show that you have thought about real expenses, not textbook categories.
Submit Your Work
Your submission is graded against the rubric on the right. If you pass, you get a public Badge URL you can share on LinkedIn. There is no draft save, so work offline first and paste your finished response here.