Every day, we’re all making decisions about money, whether it’s choosing between the small slab of Top Deck or going BIG, or deciding to take out a loan for that new Polo. These choices might seem straightforward, but each one, big or small, leaves a lasting impact on our financial wellness.

Understanding how money works isn’t just helpful; it’s empowering. It gives you the tools to shape a stable, fulfilling financial future with confidence. Financial literacy is more than knowing the basics; it’s about having the insight to make smart, impactful choices that keep you on track for your goals.

So, how do you get there? Here are three steps to start improving your financial literacy and take control of your financial journey:‍

1. Educate yourself

By reading this, you’ve already taken the first proactive step toward understanding how everyday financial decisions impact your future. Don’t stop here, build on that momentum! Find an archive of all our newsletters here. You can also follow us on Instagram for bite-sized tips. On top of that we’ve got plenty of great resources to help you conquer your journey; for example, Capitec offers a series of free online courses on financial literacy you can check out.

2. Set goals

Start strong with Vault22. Before you start saving, it’s essential to know what you’re saving for. Is it your kids’ university education? A future home? Once you’ve set your sights on a goal, you can figure out how much to save. Vault22 lets you plan, track, and stay on course to turn your financial dreams into reality, all you need to do is link your accounts to get started.

3. Be an Example in Your Community

One of the best things about being financially literate is that it's contagious! When you’ve got a grasp of it, it becomes so easy to share your knowledge and empower those around you. Imagine helping a friend or family member avoid costly debt decisions just by showing them the long-term impact of their choices.  

At Vault22, we believe that better financial literacy leads to financial fitness and a higher quality of life. It’s no secret that financial stress affects mental health. By educating yourself and practising mindful spending, you'll boost your wellbeing and help your community thrive.

Ready to make a difference? Download Vault22 today and start your journey towards financial wellness and wisdom!