Here in South Africa there is an excellent service called 22seven.com which tracks my spending and income on various bank accounts (everything can be done with

Here in South Africa there is an excellent service called 22seven.com which tracks my spending and income on various bank accounts (everything can be done with bank cards and bank to back transfers, cheques are not a thing). I pay an accountant / financial advisor to help me with taxes on payments from multiple freelance clients and she's also recently advised me what savings accounts to use: 1. 3 month emergency tax fund 2. Unit trust with 50-50 shares / bonds composition 3. Pension 4. Cash saving for property