Look the crime is undeniably higher in South Africa, than in a lot of other parts of the world. There are precautions you just have to take.
Like in certain places you don't go walking alone after 5pm, some places where you don't leave your house after dark especially in a car (*cough* johannesburg *cough*)
You install house alarm systems, use burglar bars, have security gates across your doors, install satellite tracking in your car, keep your car locked whether you are driving or not, don't visit certain areas, don't walk around with your cellphone out in shopping centers, etc etc
It is only as bad as you make it out to be. My house has been robbed twice in my 18 years of existence, been mugged once and threatened a few times. Others have never been touched at all, while again other have been robbed and mugged over and over again.
South Africa, especially Cape Town is a very beautiful, I am sure there will be a lot of buzz about it next year.
Yeah the weather is weird, even in Cape Town for this time of year.
As for money I am still learning and doing research.