Why Ignoring Arrears Costs You More Than Asking for HelpBy Willem Nel – Registered Debt Counsellor (NCRDC1593) For many South Africans, arrears do not start with recklessness or poor money management. They often begin quietly — a missed payment here, a reduced income there, an unexpected expense that forces…
How Over-Indebtedness Really Starts – A Counsellor’s ViewBy Willem Nel – Registered Debt Counsellor (NCRDC 1593) Introduction: The Slow Creep of Financial Trouble Over-indebtedness rarely happens overnight. In my experience as a registered debt counsellor, it develops gradually, often while consumers believe they are managing their finances…
Understanding the National Credit Act and the Benefits of Debt Counselling in South AfricaBy Willem Nel – Registered Debt Counsellor (NCR Registered: 1593) Over-indebtedness has become a growing reality for many South African households. Rising living costs, interest rate increases, and unexpected life events often leave consumers struggling to meet their monthly…
The Biggest Myths South Africans Still Believe About Debt ReviewBy Willem Nel – Registered Debt Counsellor Debt review remains one of the most misunderstood financial tools in South Africa. Even in 2026, I still speak daily to consumers who delay getting help—not because they do not need it, but…
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…
