Why Debt Counselling in 2026 Is More Important Than EverBy Willem Nel – Registered Debt Counsellor Introduction As we enter 2026, more South Africans than ever are feeling the strain of rising living costs, high interest rates, and shrinking disposable income. From electricity and fuel to school fees…
Teaching Your Kids Good Money HabitsBy Willem Nel – Registered Debt Counsellor, Alliance Debt Advisors One of the most difficult conversations I have with parents is this: “I don’t want my children to make the same money mistakes I did.” By 2026, South African households…
Saving While in Debt Review – Yes, It’s PossibleBy Willem Nel – Registered Debt Counsellor, Alliance Debt Advisors Many South Africans believe that once you enter debt review, saving money is no longer possible. This belief is understandable — when every rand already feels allocated, the idea of…
Taking Stock of Your Financial Position: The Things We Turn a Blind Eye to in 2025From the office of Willem Nel, Registered Debt Counsellor The start of 2025 has passed, and for many people, the financial relief they hoped for has not arrived. Expenses remain high, debt balances have not reduced as planned, and the…
This Festive Season, Choose Peace Over Panic — Debt Counselling Can Give You Your December BackBy Willem Nel, Registered Debt Counsellor – Alliance Debt Advisors December should be a time of family, rest, and celebration…But for many South Africans, it becomes the most stressful month of the year. Creditors calling. Payments due before payday. Extra…
The Untold Secrets of Debt Counselling: How DCRS Can Reduce Your Interest to 0% and Settle Your Debt in 60 MonthsBy Willem Nel, Registered Debt Counsellor Debt can feel like a heavy weight, especially when high interest rates and multiple creditors make every month a struggle. Over the years, I’ve helped countless South African households regain control of their finances…
Beware of Festive Season Loan Scams – Don’t Let Fraudsters Steal Your ChristmasIntroduction December in South Africa should be a time of family, food, celebration and rest. But every year, without fail, this is also the season where fraudsters come out in full force. They lure honest people with fake loans, unrealistic…
Credit Rights in South Africa: A Debt Counsellor’s Daily Experience & How to Protect YourselfIntroduction My name is Willem Nel, and I have been working as a debt counsellor in South Africa for more than 20 years. Over these two decades, I have helped thousands of clients who arrive overwhelmed, confused, and unsure of…
Make Sure You Are Truly Overindebted Before Signing Up for Debt CounsellingIntroduction Debt can be overwhelming, stressful, and even frightening—but there is a solution. Debt counselling is the safest and most effective way for overindebted South Africans to regain control of their finances. However, it’s crucial to ensure you are genuinely…
Choosing the Correct Loan for Your Needs — According to the National Credit ActChoosing the Right Loan for Your Needs — According to the National Credit Act Taking a loan can help cover expenses or finance big purchases, but choosing the wrong one can lead to unnecessary debt. The National Credit Act (NCA)…
