Debtfree Magazine November 2018

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DREADED DECEMBER DON’T LET DECEMBER TRIP YOU UP Where possible those who are under debt review should be wise and stick well within their budget. They should avoid any sudden increase in spending However those who have planned ahead and have been able to stick within their monthly budget over time may have been able to set aside a few extra rand during the preceding months to make use of during December. This may allow them to still travel to visit family. Rather than give large lavish gifts try to share thoughtful smaller low cost items or consider clever re-gifting ideas. Many smaller gifts and cards can be made at home in order to save money.
Let your family and friends be the ones who give to you this year. Don’t try and compete. Don’t let others greedy expectations destroy your entire financial future. Kids enjoy time with family and friends so make an effort to organize some fun for them. Cheap beach days and mountain adventure walks can be just as fun as expensive movies and hanging at the mall.
Page 1 and 2: SOUTH AFRICA’S DEBT COUNSELLING M
Page 4 and 5: How many times have you told yourse
Page 7 and 8: HOW COMMITTED ARE YOU TO DEBT REVIE
Page 9 and 10: DEBT REVIEW SCHOOL Know your abbrev
Page 11 and 12: D DECEMBER
Page 13: For many people December is simply
Page 18 and 19: Jothie Bechoo ATTORNEYS & DEBT COUN
Page 20: HOW COMMITTED ARE YOU TO DEBT REVIE
Page 23 and 24: These are not short term, impulsive
Page 25 and 26: In many ways the challenge of stick
Page 27 and 28: HOW COMMITTED ARE YOU? UNDERSTAND Y
Page 29 and 30: SURE Credit ProteCtion - debt revie
Page 32 and 33: HOW COMMITTED ARE YOU? WAYS TO MEAS
Page 35 and 36: HOW COMMITTED ARE YOU? WARNING SIGN
Page 37 and 38: THE END OF THE YEAR IS COMING SOME
Page 39 and 40: 10% commitment to paying off Debt J
Page 42 and 43: KIM ARMFIELD AND ASSOCIATES When de
Page 44: NEWS NCR CONSUMER EDUCATION NCR HIR
Page 47 and 48: DTI RESEARCH FORUM DCASA LAUNCH INV
Page 49 and 50: STUCK USING ANCIENT TECHNOLOGY? Con
Page 51 and 52: PROFESSIONAL DEBT COUNSELLING ATTOR
Page 53 and 54: Die Republiek van SKYT AFRICA Hi Al
Page 55 and 56: DON’T WORK WITH AN OUT DATED VERS
Page 57: PAST VERSIONS The laws of South Afr
Page 60 and 61: Debt Counsellors Collective The NCR
Page 62 and 63: WIN FREE ONLINE TRAINING WORTH R105
Page 64 and 65: CONSUMER FINANCIAL EDUCATION FOUNDA
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Debtfree Magazine November 2018

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