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Mbabane Branch

Physical Address
1st House
Betfusile Street
Mbabane

Postal Address
PO Box 1337
Mbabane
Swaziland

Telephone Number: +268 2404 1961/5
Fax Number: +268 2404 4535
Branch 6-Digit Code: 280164

Corporate Place Branch

Physical Address
Corporate Place
2nd Floor
Swazi Plaza

Postal Address
PO Box 261
Eveni
H103

Telephone Number: +268 2404 3431
Fax Number: +268 2404 3121
Branch 6-Digit Code: 281264

The Gables Agency

Physical Address
Gables Shopping Complex
Shop No 3
Ezulwini

Postal Address
PO Box 308
Matsapha
Swaziland

Telephone Number: +268 2416 2777
Fax Number: +268 2416 2804
Branch 6-Digit Code: 281064

Matsapha Branch

Physical Address
Lot 171
1st Avenue
Matsapha

Postal Address
PO Box 308
King Mswati III Avenue
Matsapha

Telephone Number: +268 2518 7570/5
Fax Number: +268 2518 7805
Branch 6-Digit Code: 281064

Mahhala Agency

Physical Address
Lot 445
Matsamo Shopping Complex
Matsapha

Postal Address
PO Box 308
Matsapha
Swaziland

Telephone Number: +268 2518 7611
Fax Number: +268 2518 7525
Branch 6-Digit Code: 281064

Manzini Branch

Physical Address
Makabongwe House
Nkoseluhlaza Street
Manzini

Postal Address
PO Box 645
Manzini
Swaziland

Telephone Number: +268 2505 3181/5
Fax Number: +268 2505 3188
Branch 6-Digit Code: 282064

Bhunu Mall Agency

Physical Address
Bhunu Mall Shopping Complex
Shop No U16
Ngwane Street
Manzini

Postal Address
PO Box 645
Manzini
Swaziland

Telephone Number: +268 2505 7950/1
Fax Number: +268 2505 7972
Branch 6-Digit Code: 282064

Big Bend Branch

Physical Address
Shop No 1
Matata Shopping Complex
Big Bend

Postal Address
PO Box 2
Matata
Swaziland

Telephone Number: +268 2364 6000/5
Fax Number: +268 2364 6006
Branch 6-Digit Code: 286064

Nhlangano Agency

Physical Address
Plot 239/240
4th Street
Nhlangano

Postal Address
Private Bag 5
Nhlangano
Swaziland

Telephone Number: +268 2207 9321
Fax Number: +268 2207 9327
Branch 6-Digit Code: 282164

Pigg's Peak Branch

Physical Address
15 Mambo House
Evelyn Baring Street
Piggs Peak

Postal Address
PO Box 464
Piggs Peak
Swaziland

Telephone Number: +268 2437 1900/3
Fax Number: +268 2437 1894
Branch 6-Digit Code: 282364

Siteki Branch

Physical Address
Plot 127
Jacaranda Avenue
Siteki

Postal Address
PO Box 602
Siteki
Swaziland

Telephone Number: +268 2343 4393
Fax Number: +268 2343 4416
Branch 6-Digit Code: 286064

Simunye Branch

Physical Address
Simunye Plaza
Shop No 38B
Simunye

Postal Address
PO Box 357
Simunye
Swaziland

Telephone Number: +268 2383 8601
Fax Number: +268 2416 2804
Branch 6-Digit Code: 283164

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Distinguish between your

needs & wants

  • Each person's needs and wants are different. For many people a laptop might be something that they want but an IT professional needs it.
  • Needs are things that you cannot do without. These generally include food, water, housing and basic clothing.
  • Wants are those things that we would like to have, or that are nice to have, but we do not need them to survive. They are often called luxuries and include the latest mobile phone, cars, expensive clothing and accessories, and lavish parties.
  • To set up an accurate budget be honest about what you really need and what you want.

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What is your monthly

Income?

Income is any money you receive on a regular basis. You might earn income from various sources including: salary or wages, a social government grant, allowances (from family and friends) or cash gifts.

It can also be money received from offering a service like baking, sewing, looking after children, braiding people's hair or offering a taxi service.

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Tips to reach your

Budget

  1. When you need to cut down on certain expenses, it is usually easier to cut down on variable expenses, especially variable wants.
  2. Budgeting isn't a once-off activity. You should revisit your budget regularly as your income or expenses change.
  3. Prioritise saving in your budget by listing it as a fixed expense. Savings often get lost in the overall budgeting process simply because of overspending.
  4. Focus on keeping within your budget. By managing your expenses you reduce the likelihood of your expenses exceeding your income. By keeping track of where your money is going it is easier to get back on track, if you do go over budget.

Budgeting

If I budgeted I could've bought...

We know that budgeting sounds complicated and a little intimidating but a budget is simply a plan that helps you see how much money you get every month, where it is spent and how much you plan to save.

These five easy steps will get you started in drawing up a budget:

Know what you can afford

Distinguish between your needs and your wants.



List your sources of income.



List your expenses, including what you need to save.



Subtract your expenses from your income to see what you have left.



Keep track of your monthly expenses by updating your budget regularly.



Distinguish between your

needs & wants

  • Each person's needs and wants are different. For many people a laptop might be something that they want but an IT professional needs it.
  • Needs are things that you cannot do without. These generally include food, water, housing and basic clothing.

What is your monthly

Income?

Income is any money you receive on a regular basis. You might earn income from various sources including: salary or wages, a social government grant, allowances (from family and friends) or cash gifts.

It can also be money received from offering a service like baking, sewing, looking after children, braiding people's hair or offering a taxi service.

Types of expenses

Fixed expenses

The amount you pay does not change frequently and payments are made regularly (e.g. monthly) including rent or bond repayments, school fees, insurance premiums and car repayments.



Variable expenses

For these accounts you must give your bank notice when you want to withdraw your money.



Saving

These accounts are for short-term investments of less than 12 months.



Tips to reach your

Budget

  1. When you need to cut down on certain expenses, it is usually easier to cut down on variable expenses, especially variable wants.
  2. Budgeting isn't a once-off activity. You should revisit your budget regularly as your income or expenses change.
First National Bank - a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider 1929/001225/06 (NCRCP20).