Plain MoneyUmnotfo Ebantfwini

This week · № 19

Emotional durability

Savings plans die in month seven, usually over something as ordinary as a fridge. Three questions written for companies that survive shocks, asked of one household and one shop.

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In this edition

  • Nearly three in ten adults could not find E3 100 in a month; one in ten would use savings first
  • [object Object]
  • Petrol, bus, electricity and a car loan add about E466 a month for one household
  • After a E4 100 fridge, the stop order restarts at E200 and is back at E500 within three months
Three in ten would ask family or friends. One in ten would reach for savings first. The saver with a stop order is the exception.Chart · Plain Money / World Bank Global Findex

№ 18 · 11 Oct 2026

Tiny, but mighty

Thirty-five years ago Eswatini was one of the fastest-growing economies on earth. Income per person has only doubled since. Five small countries show what it takes to keep growing once a boom has passed.

№ 17 · 4 Oct 2026

Price of the peg

The Central Bank raised interest rates in the same breath as it lowered its inflation forecasts. The reason sits across the border, and it reaches every loan and deposit in the kingdom.

№ 16 · 27 Sep 2026

The economy is growing. Can you feel it?

The ministry expects the economy to grow 5.3% this year. This is how that money travels from a building site to a till, and how to tell whether any of it is coming your way.

№ 15 · 20 Sep 2026

Where does our money go?

In August the kingdom sold E3.86 billion of goods abroad and bought E3.67 billion. Follow that money across the border and back, and you will find some of it in your own pocket.

№ 14 · 13 Sep 2026

Envy is expensive

Comparison is human. Letting it make your financial decisions is expensive, and the banks' books show where it leads.

№ 13 · 6 Sep 2026

First things first

Much of a salary is spoken for before payday. Deciding what today's money must protect is the real skill.

№ 08 · 26 Jul 2026

We are the fortress

Do not wait for Parliament to establish a sovereign wealth fund before establishing your own.

№ 06 · 12 Jul 2026

Create your own luck

The people who always seem lucky with money decided long ago not to leave their future to chance. They designed it.

№ 11 · 23 Aug 2026

Borrowing with purpose

Households now owe almost as much through unsecured loans as on housing. What we borrow for has been quietly changing shape for a decade.

№ 05 · 5 Jul 2026

Pay what you owe

Some of the most expensive loans we ever take carry no paperwork — the unpaid supplier, the delayed payment, the promise not kept.

№ 04 · 28 Jun 2026

Think twice before you borrow

In an economy with a thinning financial cushion, the wisest borrowing decisions are the deliberate ones — made before the money is spent.

20 editions · continues every Sunday · first published 7 June 2026

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