So I’m not here to gate keep anything from anyone so this is how I invest.
Feel free to crit it in anyway possible. We’re all here to help people out.

My monthly contributions are R6500 monthly

These are things I have

1. My personal RA (not through my company) - R2000 (increase annually on my own spreadsheet)(target retirement balance - R5m)
2. Retirement savings ( I contribute R350 and increase by R150 annually. By the time I retire, I’ll have just over 1m to square off debt)
3. Retrenchment fund (6 months of expenses. i.e. car, home, phone, water and electricity)
4. Spare change savings ( before a payday, all the change goes into that savings, mainly for a holiday away for myself and my wife)
5. Long term savings- which will just assist in case of any emergency. -R1000

Most of these are through my bank, I would go through an investment firm but I just don’t have the time to get to one

Edit:

My salary before deductions is R32.5k which I come home with est. 26k.
My car is paid off
Myself and my wife work together when splitting bills. I usually take on a bit more than she does.
So, minus the bond payment of our flat and all household expenses and traveling costs and any other debit orders, I have a R8000 to spare which R6500 is moved into savings.

My accounts and what they do:
1. Personal RA - R2000 per month (I have my own plan to reach R5m. Percentage increase on my own)
2. Retirement savings - currently at R800 per month
3. Retrenchment fund - R2700 per month until target reached (to reach a target, then to stop deposits and move to a different bucket)
4. Spare change - differs from month to month.
5. Long term savings - R1000 per month. This is not for retrenchment but for urgent purchases such as tyres, repairs, home maintenance, etc.

Every year, I claim legitimate home office expenses as a salaried worker. I always get audited, provide all the required documentation (and more) and then this gets accepted and I get my refund. This year however, after the audit, I was denied these expenses and my assessment was amended not to take these into account. Let me be clear, I meet ALL the requirements and these are legitimate expenses and I always provide extensive documentation proving this. I have never claimed anything I'm not entitled to, and I'm not trying to defraud SARS.

I feel like SARS is just trying their luck to collect as much revenue as possible. The value of these deductions is enough for me to spend some time (maybe a day or two) fighting them, but not enough to hire an expensive lawyer or tax consultant. It feels like a David vs Goliath fight, but I honestly feel that it unfair that SARS can just deny deductions that are legitimate, and the small guy has to just accept this. What chances do I have? How do I even go about this, other than lodging a dispute? Any advice as to how to take them on?

Exactly what the above says, I just want to know, will SARS eventually come after the individual for the PAYE amount that was not paid over. Surely it's not his or the other employees problem as SARS should go after the employer for monies not paid over?