Independent on Saturday

Today’s reality is budgeting now more necessary than ever

Every day seems to bring new headlines about rising costs. In Nigeria, unions are threatening to strike amid soaring fuel prices; the country’s inflation rate hit 25% in August. The amount it costs to fill a food basket in South Africa keeps climbing. Ghanaians took to the streets of Accra in late September to protest about the cost of living.

A recent study by the audit and consulting firm Deloitte found 75% of South Africans were concerned the prices for everyday purchases would continue to increase, while 80% of consumers across

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