DF Issue 201811 FINAL IDM (002)

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How many times have you told yourself that when summer arrives this year you are not going to make the same winter mistakes you did last time. You tell yourself that this time you are going to be in beach ready shape by the time summer rolls around. Does that sound familiar? It is always a betrayal then when this time of year comes around and the bathroom scale seems to say that your good intentions may have been in vain. If you do want to get in shape then you may consider a diet of some sort. Now, diets are admittedly more interesting to research, plan and discuss than actually do. They require a lot of self-restraint (and you miss out on all the yummy, naughty stuff your friends insist on eating in front of you) . You have to really commit if you really want to lose weight. In a similar way debt review too takes a very high level of commitment to make it through the process. The question then is: Have you really committed to the process? Check out the article on the topic in this issue and be sure to look out for warning signs that you may not be as committed as you think. We also have lots of recent news from the industry and reviews you will want to check out. Suddenly the end of the year beckons and brings with it dangers which we discuss in this issue in some detail. Will you make any classic debt review blunders this December or will you be able to make it through the end of year successfully? Be on the lookout for some simple tips on how to avoid the dangers. If you are looking forward to not only the end of year break but also getting out of debt then you have just a few more days to plan how you will deal with December. So, break out those costumes and try them on in the privacy of your own home. See if your winter routine has let you down or not but whatever the result make sure that your debt
eview routine doesn’t waiver. Make those payments. Soon you will be ready to rest and relax and perhaps even sooner than you think you may be debt free. FROM THE E D IT O R
Page 1 and 2: SOUTH AFRICA’S DEBT COUNSELLING M
Page 4 and 5: FROM THE IDM DESK MAKE SURE YOUR FI
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
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: 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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