Expert Advice - DebtCare Website

Expert advice for every aspect of debt Speak To An Expert

Money doesn’t only affect your bank balance.

Unfortunately, it can cause many problems in your life as well as your family’s lives. With the right advice, these problems can be avoided or controlled to minimise its impact. We’ve asked the top legal, financial and emotional counsellors to share their expert advice on dealing with debt-related problems in your life.

Stress advice blog and articles

26 September 2019

Bad Money Habits To Break Before Christmas

Silly season is around the corner, and soon the malls will be filled with jingles, decorations and special deals. Doing a little prep work before the festive season arrives could help you curb the need to spend money on things you may not need. Practice makes perfect, so start breaking bad money habits before Christmas arrives, so that you better handle the temptations when they come around. 

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2017 Budget Speech
29 August 2019

National Credit Regulator urges consumers to consider debt counselling

The National Credit Regulator (NCR) on Tuesday urged consumers to consider debt counselling as a way of defeating debt. “Loss of employment, salary cuts, medical bills, rising fuel prices, food and cost of living in general and overspending are some of the reasons consumers end up being over-indebted,” said the regulator.

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1 August 2019

Stop Running Out Of Money By The 1st Of Every Month

Payday. Your bank account is full. You finally have money to restock your fridge, buy the shoes you’ve been eyeing, or treat yourself to dinner at the new restaurant in town. Then your account gets debited, you find yourself spending a bit too much, running out of money and worrying later in the month how you’re going to pay your bills. If you’ve run out of money by the first of every month you might have to readjust your spending strategy and relook your debt. Dealing With a Monthly Paycheque A monthly paycheque can be the mother of all challenges. One way […]

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Debt advice blog and articles

6 August 2018

NCR Send Out Renewal Certificates

The National Credit Regulator (NCR) register and monitor registrants under the National Credit Act such as Debt Counsellors and Credit Providers. They also issue certificates to show consumers that the person or company they are dealing with is registered with them and thus offering debt review legally. The NCR recently began issuing Debt Counsellors with annual renewal certificates when they pay their annual fees to remain registered. There are less registered Debt Counsellors these days than ever before as the NCR has been lapsing and deregistering hundreds of Debt Counsellors over the last 2 years. This means that consumers have a lot less […]

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6 August 2018

Reducing Interest Rates While In Debt Review

When a consumer enters debt review their Debt Counsellor will contact all their credit providers and get all their latest figures on their various accounts together. Armed with this information, they can look at different ways for the consumer to repay the debt. Once the Debt Counsellor has helped work out a new monthly budget with the consumer (which takes into account monthly saving towards annual expenses) they will know how much money is available to repay debt. When The Matter Goes To Court A Debt Counsellor can then make a recommendation to the court on how the debt can be settled […]

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What does Junk Status mean?
10 April 2017

What exactly does Junk Status mean?

It’s been on everyone’s lips for the last two weeks – Junk Status. After a less-than-surprising sacking of former finance ministers Gordhan last week, both the Rand and ratings agency S&P Global Ratings reacted almost immediately.

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