NSFAS and Now What?

You graduated. You got through the NSFAS applications, the res queues and the Wi-Fi that dropped during online exams. Then your first salary arrives, and between family needs, transport, debt and everyday costs, the money is gone by the middle of the month.

NSFAS and Now What? is a financial survival guide for that moment. It begins with the question of what to do now that you have the degree, then maps out your first salary and where every rand goes. You look at the debt you graduated with, and at how black tax shows up from day one and how to approach it without wrecking your own finances.

You also learn what SARS expects and how to handle your first tax return, how to start saving and investing from month one, and how to avoid the lifestyle inflation trap. The book ends with a first-year financial plan you can follow. It is written for the realities of being a new South African graduate.