Taking control of your spending can seem like a scary task but it doesn't have to be. Taking a close look at your actual spending is important in order to see if there are categories where you can review your spending and free up cash for paying off debt, saving for an emergency or other financial goals.   How are you currently spending your money? Take a moment to review your current financial position. Below is your average spending behaviour across all your FNB transactional products for < April to June 2022 >. This includes your FNB Debit/Fusion/Credit Card. You will also find tips to help you make your money go further.   Groceries R<xxx> Hot tip: earn eBucks when you shop at Usave, Shoprite and Checkers, using your qualifying FNB Card*. Spend eBucks in-store when you present your eBucks card at the till.   Pharmacy and wellbeing R<xxx> Hot tip: earn eBucks when you shop at Clicks and pay with your qualifying FNB Card*. You can also spend your eBucks at any Clicks store* using your eBucks card.   Data and telephone*** R<xxx> Hot tip: you could qualify for free data and minutes with an FNB Connect SIM.   Clothing and accessories R<xxx> Hot tip: earn and spend eBucks when you shop in-store or online with your FNB Card* at partners e.g. Superbalist, Takealot, Cape Union Mart and many more*.   Eating out and treats R<xxx> Hot tip: earn and spend eBucks when ordering from the Mr D Food App using your qualifying FNB Card*. You can also get 2-for-1 deals at selected restaurants with the Entertainer App.   Lifestyle** R<xxx> Hot tip: earn and spend eBucks when shopping at eBucks partners* such as The Barnyard Theatre and Takealot.   Remember with eBucks you also save by doing the following: Enrol for up to 6 Udemy courses per year and pay only R50 activation fee per course. Get a weekly complimentary Starbucks coffee when meeting the qualifying criteria* Enjoy access to GuardMe, powered by Aura, a medical and armed response service (free for the first 3 months). After that, you’ll pay only R19.90 per month. You could also earn your subscription back in eBucks each month*. BiB brings you a library of African audio-books and podcasts in 5 African languages. Access 12 months of complimentary e-learning support for Grades R - 12 with Extramarks. Use Quickbus to book bus tickets with over 100 bus operators across Africa on the app.   Your total eBucks earn: eB< xxx >   You could have earned: eB< xxx >   Hot tip: choose to pay your monthly account fee with eBucks instead of rands using the FNB App. Also see how you can earn more eBucks by visiting the ‘Track my eBucks’ and ‘Earn more eBucks’ tabs on the FNB App. Your eBucks earn was calculated over a period of the last 3 months. Put your plan into action and make it a habit Now that you have identified areas where you can free up cash, set up a smart budget where you can track your spend and receive alerts for any spending over your limit. This freed up cash can then be used to pay off debt, save for an emergency or put towards your other goals.

* Terms, conditions and earn rules apply. Earn is dependent on your reward levels. ** Includes spending on hobbies, sports and events, outdoor and adventure, art and photography, experiences and outings. *** Includes spending on internet, fixed line, phone contract, prepaid and mobile retail.