You may not think 20-30 years is a lot of time to create wealth, but in fact it is way more than you need.
Being 30 now and already asking such awesome questions of yourself and others like me is a sure way to become financially free way before you choose to retire.
You have asked a lot of different questions and I will answer them as best I can in this format, but I strongly suggest you get hold of my book The Wealth Chef www.thewealthchefbook.com
in which you will get all you need in much more detail and be able to put a comprehensive well structured wealth plan in place.
Regarding your debt: well done for already paying off more than the minimum. You want both of these debts destroyed as fast as you can and so find ways to add to those repayments.
Your insurances: you don't say whether you currently have any dependents. Insurances are important wealth tools but often we tend to pay more for them than necessary, and have policies in place that we don't necessarily need.
Read the chapter - Protection pate in the book and make sure you have the right level of insurance in place for you.
From the information you have given, I feel you may be over-insuring in some areas like medical aid top-up as you are young, and that money could be going into an investment pot which as it grows will provide you with your own form of self insuring.
Remember, the purpose of insurance is to cover the gap between your current net worth and your target financial freedom net worth. When your own asset pot is big enough to look after your living expenses, you no longer need most of these insurance policies.
Investing: fantastic that you have started building your wealth pots. Make sure the investments you have chosen have low management and platform costs.
These are sneaky rats in the wealth pantry that eat away at your wealth feast. You don't say what you are investing, in but I suggest you look into exchange-trade funds (ETFs) as fantastic low cost investment products.
You may choose to reduce your current investment contribution by say R300 a month, and rather use this money to destroy your debt faster.
How to divide up your wealth pie: you already have clear knowledge on where your money goes, and this is such a key wealth skill.
In Wealth recipe #1 - wealth pie I recommend you aim to put 10% of your income into investments, 10% into saving, 10% into your personal growth, 10% into having fun, 5% into giving to others; 55% then goes to your day to day living, which includes your current debt repayments.
Since you are destroying your debt, 5% of the savings amount and the 5% giving amount should be thrown at the debt to destroy it faster.
So now to the fun pot. it is very important that you let yourself enjoy some of the money flowing into your life, so consciously allocate some money to this and then choose the things that really juice you to spend it on.
This help to fill you up and keep you motivated to keep destroying your debt and expanding your wealth pots. Go through your current everyday expenses - including your insurances - and make sure you are getting the most value from each expense in your life.
You are well on your way to financial freedom, just get more clear on the different parts of your wealth plan and make your money work hard for you.