Cape Town - "I have a savings plan," writes Fin24 user Andre Bothma.
He managed to move from being R20 000 in debt to now saving R 8 000 per month - and even giving R5 000 per month to his local church.
"Our combined salary is R30 000, thus we live off 56% of our income," he explains. At the same time he cautions that his plan is "simple, but difficult".