Budgeting in 15 Minutes
Make a simple monthly budget, split your money into needs, wants and savings, start an emergency fund and stay away from debt traps — in about 15 minutes on WhatsApp.
Read your payslip with confidence: gross vs net pay, PAYE, UIF, medical aid and retirement deductions, what to check every month, how to query a mistake and what an IRP5 is.
By the end, you can
read every line of your payslip, check that the deductions make sense and query an error the right way.
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This is exactly how Understanding Your Payslip starts, in your browser or on WhatsApp. Short messages, real examples, one step at a time.
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Understanding Your Payslip
Why read your payslip — and its parts
Your payslip is the record of what you earned and where every deduction went. Payroll mistakes happen — missed overtime, the wrong rate, a deduction that should have stopped — and if you never check, nobody else will.
📄 Most payslips have the same main parts, even if the layout differs:
• Your details — name, employee number, job title, sometimes your tax number
• Pay period — the week or month this payslip covers, and the pay date
• Earnings — basic pay, overtime, commission, allowances, bonuses
• Deductions — money taken off before you are paid, like PAYE and UIF
• Employer contributions — amounts your employer pays on top, which are NOT taken from your pay
• Net pay — what is paid into your account
• Year-to-date totals — running totals since the start of the tax year
Pass the challenge and it arrives straight away as a PDF. Add it to your CV or LinkedIn, and anyone can check it's real.
Certificate of completion
Your name here
has completed the MicroQuest
Understanding Your Payslip
LCA-2026-••••••••
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Understanding Your Payslip
R29 · 20 min · certificate