Mastering Your 20s: A Guide to Adulting.

Adulthood can feel like being thrown into the deep end without swimming lessons. From landing your first job to managing bills and securing your financial future, your 20s are a defining decade. Here’s a guide to navigating adulthood in South Africa with confidence.

1. Finding Your First Job

South Africa’s job market is competitive, but that doesn’t mean you can’t land a great opportunity. Here’s how:

Build a solid CV – Keep it concise, highlighting your skills and achievements.

Use job portals – Websites like PNet, Indeed, and Careers24 list vacancies across industries.

Network actively – Attend industry events and connect on LinkedIn.

Consider learnerships and internships – Many companies offer paid programs that can lead to full-time jobs.

2. Managing Your Finances

Learning how to handle money early on can set you up for long-term success. Here’s what you need to know:

Budgeting is key – Track your income and expenses using apps like 22seven or Goodbudget.

Open a savings account – Banks like Capitec and FNB offer high-interest savings options.

Beware of debt – Avoid unnecessary loans and credit card debt; if you must borrow, do so responsibly.

Start investing early – Look into ETFs, unit trusts, or even stokvels to build wealth over time.

3. Renting vs. Buying a Home

Housing is a big decision. Should you rent or buy?

Renting: More flexible, lower upfront costs, and ideal if you’re still figuring things out.

Buying: Long-term investment, but requires saving for a deposit and understanding bond repayments.

Consider location: Areas with good transport, safety, and job opportunities should be your priority.

4. Understanding Taxes and UIF

Once you start earning, you’ll need to deal with tax and UIF (Unemployment Insurance Fund):

Register for tax– If you earn above R95,750 per year, you need to file with SARS.

Understand your payslip – Check deductions like UIF and PAYE (Pay As You Earn) to ensure accuracy.

Claim UIF when needed– If you lose your job, you can claim a portion of your salary through the UIF system.

5. Taking Care of Your Health

Your health is your wealth! Make sure you:

Get medical aid or hospital cover– Options like Discovery, Bonitas, or government-run GEMS can help in emergencies.

Stay active – Even budget-friendly activities like jogging or home workouts can make a difference.

Prioritize mental health – Seek counseling or join community support groups if needed.

6. Building a Side Hustle

With rising living costs, having an extra income stream can be a game-changer. Some side hustle ideas:

Freelancing – Offer skills like writing, graphic design, or coding on platforms like Upwork.

Selling online – Use platforms like Takealot or Facebook Marketplace to sell products.

Tutoring or coaching – Help students in subjects you excel in.

Content creation – Start a blog, YouTube channel, or TikTok around a niche you love.

7. Setting Future Goals

Your 20s are the best time to lay the foundation for the life you want. Set goals for:

Career growth – Aim for promotions or further studies.

Financial independence – Save for big purchases and retirement.

Personal development – Learn new skills, travel, and build meaningful relationships.

Final Thoughts

Adulting is a journey, not a race. Take it one step at a time, ask for advice, and keep learning. The choices you make in your 20s will shape your future—so make them count!