FinanceCount Guides

Finance guides that actually help

Practical, jargon-free PDF guides written for real people making real financial decisions. Instant download. No subscription. No fluff.

SA Property

Your Bond, Your Rules

The Complete SA Home Buyer's Guide

The complete step-by-step guide to buying property in South Africa — without getting burned. Credit score prep, rate negotiation, hidden costs, and every step from offer to keys in hand.

✓Can you actually afford it? Real bank numbers ✓Get your credit score bank-ready ✓Negotiate your rate below prime — step by step ✓Hidden costs budgeted to the rand ✓Full offer-to-registration timeline ✓Rate stress test + complete glossary

R199

Instant PDF · 15 pages · April 2026

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SA Tax

The SA Salary Trap

How to Stop Losing Money to Tax Every Month

PAYE, medical aid credits, retirement annuity deductions — and how to legally keep more of what you earn. Includes worked examples at 5 salary levels from R10k to R80k.

✓Exactly how PAYE is calculated — step by step ✓Medical aid credits most employees miss ✓Retirement annuity tax benefits explained ✓How to audit your own payslip for errors ✓How to claim a SARS tax refund ✓Worked examples from R10k to R80k/month

R149

Instant PDF · 18 pages · April 2026

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SA Debt

Debt Free in South Africa

A Step-by-Step 12-Month Plan

A practical month-by-month plan to clear your debt using real SA interest rates — and stay out of debt for good. Avalanche vs snowball, creditor negotiation, and debt review explained.

✓Debt avalanche vs snowball — which wins in SA ✓How to negotiate with SA creditors ✓Month-by-month 12-month payoff plan ✓Debt review — when it helps and when it hurts ✓Real SA interest rate tables for all debt types ✓How to protect your credit score while paying off

R179

Instant PDF · April 2026

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USA Finance

Fix Your Credit Score in 90 Days

The USA Credit Repair Playbook

A practical 90-day plan to move your FICO score — with dispute letter templates, a weekly action tracker, and the exact steps that move the needle fastest.

✓What actually drives your FICO score by weight ✓The fastest single action most people skip ✓Dispute letter templates included ✓90-day weekly action checklist ✓How to negotiate with creditors and collectors ✓What to do after 90 days to keep climbing

$14

Instant PDF · April 2026

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USA Freelance

The Freelancer's Tax Survival Guide

Self-Employment Tax, Quarterly Payments & Deductions

Self-employment tax, quarterly payment deadlines, every deduction you are probably missing — and a full worked example at $75k income so the numbers make sense.

✓The 15.3% SE tax — what it is and how to reduce it ✓Quarterly payment deadlines for 2026 ✓Home office, mileage, and equipment deductions ✓Solo 401k — the retirement hack most freelancers miss ✓Safe harbor rule to avoid IRS penalties ✓Full worked example at $75,000 income

$17

Instant PDF · April 2026

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Small Business

The Small Business Break-Even Bible

Know Your Numbers Before You Lose Your Money

Break-even, pricing, cash flow, and profit targets — with three full worked examples for a product business, service business, and food business.

✓The break-even formula — plain and simple ✓Three full worked examples across business types ✓Contribution margin and how to use it ✓Pricing for profit, not just survival ✓Cash flow planning template ✓When break-even is too high — the three levers

$17

Instant PDF · April 2026

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