DF Issue 201811 FINAL IDM (002)

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HOW COMMITTED ARE YOU? commitment - noun - “a willingness to give your time and energy to something that you believe in, or a promise or firm decision to do something” ~ Cambridge Dictionary In life we often are asked to commit to doing things. A commitment requires that we mentally and emotionally decide to see something through from start to finish. For example, a couple may decide to make a commitment to stick together and get married or they may commit to having a child together. A child may ask a parent for a puppy. The parent asks the child if they will care for, feed and walk the pet on an ongoing basis and not only at first when the puppy is still fuzzy and new.
These are not short term, impulsive matters but require many years of energy through thick and thin to truly succeed. It is important to realize that debt review also requires commitment to be successful. Those who start the process must be prepared to see it through despite obstacles and even their own past bad financial habits and impulses. Those who start the process only to drop out after a short time actually often make their financial situation even more complicated than before and so a lack of commitment can really hurt those who lack staying power. Many who enter the debt review process find that there are certain challenges that they need to overcome to be successful. Debt Counsellors will be quick to tell you that their clients struggle to stick to the process at certain times of the year, like December or Easter. Consumers also have to force themselves to avoid old bad habits and mistakes. The urge to splurge, to treat yourself and to dress and eat at places that impress others can be hard to overcome. Hanging out with friends or family members who overspend can also be a trap for some. They may find it hard to stick to a new budget when the people they choose to spend time with are not wise with their spending.
Page 1 and 2: SOUTH AFRICA’S DEBT COUNSELLING M
Page 4 and 5: FROM THE IDM DESK MAKE SURE YOUR FI
Page 6 and 7: How many times have you told yourse
Page 9 and 10: HOW COMMITTED ARE YOU TO DEBT REVIE
Page 11 and 12: D DECEMBER
Page 13: For many people December is simply
Page 16 and 17: DREADED DECEMBER DON’T LET DECEMB
Page 18 and 19: Don’t let debt be your legacy. De
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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: Image designed by www.freepik.com
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: DEBT REVIEW SCHOOL Know your abbrev
Page 39 and 40: 10% commitment to paying off Debt J
Page 42 and 43: DON’T WORK WITH AN OUT DATED VERS
Page 44 and 45: NEWS NCR CONSUMER EDUCATION NCR HIR
Page 46 and 47: only left with a bond, can leave de
Page 48 and 49: Die Republiek van SKYT AFRICA Hi Al
Page 50 and 51: WIN FREE ONLINE TRAINING WORTH R105
Page 52 and 53: CONSUMER FINANCIAL EDUCATION FOUNDA

DF Issue 201811 FINAL IDM (002)

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