Debt review guides and money tools

Find answers about debt review, debt counselling and managing your money. Start with the question that matters to you, then follow the guide to a practical next step.

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Six common misconceptions about debt review

Check common assumptions about debt review, free assessments, low quotes, cancellation and new credit before applying.

Understanding The Debt Collection Process

The debt collection process is a simple process with severe consequences for the unaware debtor. So you skip a payment here and there and think it will not have an effect, as long as you make a paymen…

Personal Surety - Why I Should Not Sign It

What Is Surety? Personal Surety is defined as “A surety bond or surety is a promise by a surety or guarantor to pay one party (the obligee) a certain amount if a second party (the principal) fails to…

How "John" Reduced His Interest Rate from 36% to Zero

Below is a table showing how “John”, actual client but not his real name, was able to get his interest rates reduced by different creditors, with the help of Debt Review Centre. Total Savings With Deb…

How to make a household budget in five steps

Build a household budget from your income, expenses and repayments. Use a planning table, check affordability and review actual spending.

Why You Should Not Borrow Money On Behalf Of Others

We have noticed that our clients raise this subject more and more often. They have taken out a loan or a clothing account on behalf of a friend or family member, but as of late the borrower is unable…

How to pay off debt: snowball and avalanche methods

Make a repayment plan, compare smallest-balance and highest-interest approaches, and see a worked example of moving payments between accounts.

Nine ways to manage fuel and transport costs

Track fuel spending, compare journeys and include maintenance in your transport budget. Check affordability before changing vehicles.

How to budget for the holiday season

Plan festive spending, protect January bills and decide how to use a bonus. Use a holiday budget table and check the cost of paying later.

Managing debt after retrenchment: five steps

Update your budget, check UIF and insurance, contact creditors or your counsellor and prepare the documents needed after retrenchment.

National Credit Act amendments in 2014: a historical article

Read the original explanation of the 2014 amendments and find links to debt review, Section 129 notices and completion guidance.

How to teach children about money

Use everyday spending choices, simple savings goals and age-appropriate budgets to help children practise managing money.

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