CONSUMER RELIEF   "SA's Leading Debt Counselling"

The Government legislated the National Credit Act on the 1st of June 2006 to promote an effective, accessible and fair credit market to protect the consumer from reckless lending and over-indebtness.



5 steps to better budgeting

Make a list of your total expenditure per month

Write down a list of absolutely everything you spend your money on.

  • Rent/Bond Payments

  • Water & Electricity

  • School/Crèche/ Aftercare Fees

  • Telephones/Mobile Phones/Internet Costs

  • Medical and Health care

  • Vehicle/Transport costs

  • Groceries/Takeaways/ Movies

  • Clothes and Consumables

  • Entertainment and Luxury items

"I want to thank you and your team that helped through our financial pains. We are living life again without the financial stresses that were weighing us down; I really don’t know where we would be today if we hadn’t come across your Company – God Bless you and your team.

AM Naidoo


"I would like to take this opportunity to thank National Consumer Relief for helping my family out of debt. I honestly don't think we would have ever got out of debt without your help, and will gladly recommend you to anyone that needs help." 

L Tomlinson


"Thank you for all of your commitment, your time and your efforts with me – you guys are lifesavers! I wish I would have known about you sooner."


Make realistic cutbacks if you want to make progress

Drawing up a budget is designed to make you realise where your money is going and allow you to make cutbacks where necessary. These cutbacks can help save you money which can be allocated to debt payment or savings. Cut backs can be made in any area where you have non-essential expenditure such as takeaway food and luxury items. Cut backs in these areas could save you significant sums of money over the course of a year.

Use internet banking to keep tabs on your progress

With internet banking you can easily check your status on a daily basis to see exactly where and when your money is leaving your account and to see if that matches your budget.

Review your budget on a monthly basis

It helps to make sure that your budget adheres to your current expenditure. Circumstances can always change, so you should review your progress every month and if necessary incorporate new permanent expenses and include any new income you may be receiving.

Setting goals

It can be difficult to stay motivated when you begin budgeting because you feel like you are making lots of sacrifices for only small benefits. One of the keys to budgeting is to have a long term plan and to not be shorted sighted in your goals. By being goal oriented you will find it easier to stick to your budget. This is why you need to set up goals.

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