Simple ways to start saving money in 2026

As South Africans ease into the new year, many are looking for practical ways to save and regain control of their finances. Financial adviser Brenda van Zijl, founder of Verity Financial Services, says the key is to start simple and be intentional.

Speaking to 702’s Clement Manyathela, Van Zijl outlined straightforward steps anyone can take to kick-start a savings journey, regardless of income level.

Start with tax-free savings

Van Zijl says one of the easiest ways to begin saving is by opening a tax-free savings account.

Because the growth and gains are not taxed, savers effectively earn a better return on their money. These accounts are widely available through banks, as well as major investment and asset management companies, and can usually be set up online.

Budgeting creates control, not restriction

According to Van Zijl, budgeting is a critical part of saving — but it shouldn’ be seen as limiting.

“A budget is about awareness and control,” she explains. “You can’t save money if you don’t know where it’s going.”

She encourages using simple banking app tools or basic tracking apps to categorise spending. Once people can clearly see where their money goes each month, it becomes easier to identify areas to cut back and prioritise saving.

Build discipline by making saving harder to access

For those who struggle with discipline, Van Zeal recommends separating spending money from savings.

Using debit orders to move money into investments or notice accounts can help. With notice periods in place, the delay often removes the temptation to dip into savings for non-essentials.

“The hassle of waiting can be enough to stop impulse spending,” she says.

Pay yourself first

Perhaps the most important rule, Van Zijl adds, is to save before spending — not the other way around.

Saving what’s left at the end of the month rarely works. Instead, she advises setting up an automatic debit order, so savings come out first, leaving a clear amount for monthly expenses.

“That way, you spend what’s left — not save what’s left,” she says.

Van Zijl believes small, consistent steps can make a meaningful difference over time, especially when saving becomes a non-negotiable part of monthly finances.

For detailed guidance, listen to Van Zijl using the audio player below: