Stage 1 Recap — Survive the Cycle

Question 1

The 'month-end cycle' is best described as:

• A random run of bad luck near payday
• A repeating pattern where income lands, evaporates, and the last 10 days become panic
• An inflation problem only
• A bank fee issue

Question 2

Honesty about where money actually went last month is the foundation of survival.

• True
• False

Question 3

What is the first survival move on payday?

• Spend on rewards before bills hit
• Park fixed obligations + a small buffer the same day income lands
• Wait a week to plan
• Lend to a friend first

Question 4 · select all

Common silent leaks in month-end include: (select all)

• Daily small treats that compound
• Subscriptions you forgot about
• Late fees and bank charges
• Paying rent

Question 5

A 'survival floor' is:

• The minimum cash you protect every month for true essentials
• Your credit limit
• The lowest balance the bank allows
• A new loan

Question 6

Why is 'last 10 days' planning so powerful?

• Because it forces the hardest stretch to be designed in advance, not survived in panic
• Because banks reward it
• Because it earns interest
• Because it's automatic

Question 7

A small, deliberate cash buffer (even R200–R500) reduces the chance of relapse to borrowing.

• True
• False

Question 8

Which mindset shift defines Stage 1?

• From 'I hope I make it' to 'I am building a plan to make it'
• From 'work hard' to 'borrow more'
• From 'budget' to 'wing it'
• From 'spend less' to 'earn nothing'

Question 9 · select all

Healthy payday rituals include: (select all)

• Pay yourself first (even a tiny amount)
• Set aside fixed bills immediately
• Write the food plan for the month
• Celebrate by upgrading lifestyle

Question 10

What does 'breaking the cycle' really mean?

• Earning much more overnight
• Designing the month so the last week looks like the first week
• Avoiding all spending
• Quitting your job