<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <!-- Homepage -->
  <url>
    <loc>https://moneydoc.co.za/</loc>
    <changefreq>daily</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- Main Directory & Discovery -->
  <url>
    <loc>https://moneydoc.co.za/planners</loc>
    <changefreq>daily</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://moneydoc.co.za/insights</loc>
    <changefreq>daily</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://moneydoc.co.za/how-it-works</loc>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://moneydoc.co.za/about</loc>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://moneydoc.co.za/join</loc>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://moneydoc.co.za/faq</loc>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Legal & Compliance -->
  <url>
    <loc>https://moneydoc.co.za/privacy</loc>
    <changefreq>monthly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://moneydoc.co.za/terms</loc>
    <changefreq>monthly</changefreq>
    <priority>0.3</priority>
  </url>

  <!-- Major South African Cities -->
  <url>
    <loc>https://moneydoc.co.za/planners/johannesburg</loc>
    <changefreq>weekly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://moneydoc.co.za/planners/cape-town</loc>
    <changefreq>weekly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://moneydoc.co.za/planners/durban</loc>
    <changefreq>weekly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://moneydoc.co.za/planners/pretoria</loc>
    <changefreq>weekly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://moneydoc.co.za/planners/sandton</loc>
    <changefreq>weekly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://moneydoc.co.za/planners/umhlanga</loc>
    <changefreq>weekly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://moneydoc.co.za/planners/ballito</loc>
    <changefreq>weekly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://moneydoc.co.za/planners/gqeberha</loc>
    <changefreq>weekly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://moneydoc.co.za/planners/bloemfontein</loc>
    <changefreq>weekly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://moneydoc.co.za/planners/centurion</loc>
    <changefreq>weekly</changefreq>
    <priority>0.85</priority>
  </url>
</urlset>
