Illustrative examples
Realistic debt situations, explained simply.
These examples are not actual clients. They show common patterns to consider before applying for consolidation credit or speaking to a Financial Assessor about debt counselling.
When R35 000 a month still is not enoughAn illustrative look at how a reasonable salary can still feel squeezed when repayments absorb the budget first.Affordability depends on income, essential expenses and existing debt commitments together.Read case study Five debts, five debit orders and one expensive monthA practical example showing why one monthly payment can feel simpler, but still needs a full cost comparison.One payment does not automatically mean cheaper debt.Read case study I need R5 000 for groceries. Should I take another loan?An example of how a short-term borrowing need can point to a deeper monthly cash-flow problem.Needing credit for essentials can be a warning sign that existing repayments are no longer sustainable.Read case study When higher interest rates push a tight budget over the edgeA household example showing how rate changes and living costs can turn a small monthly buffer into a shortfall.People can become over-indebted gradually when rates, living costs and repayments move together.Read case study