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Why Emergency Funds Matter When You’re Already in Debt

Why Emergency Funds Matter When You’re Already in Debt

by Alliance DC Team | Apr 6, 2026 | Debt Education, Debt Solutions in South Africa

By Willem Nel, Registered Debt Counsellor NCRDC 1593 Why Save Money When You’re Already Struggling With Debt? If you are already battling to keep up with your monthly payments, the idea of building an emergency fund can feel unrealistic — or even unnecessary. A lot of...
The Smart Way to Use Rewards Points to Reduce Expenses — Even Under Debt Counselling

The Smart Way to Use Rewards Points to Reduce Expenses — Even Under Debt Counselling

by Alliance DC Team | Mar 30, 2026 | Debt Education, Money Management

Out of the Office of Willem Nel – Registered Debt Counsellor (NCRDC1593) Many people assume that being under debt counselling means there’s no room for rewards points or loyalty programs. The truth is the opposite: when used carefully, rewards points can be a powerful...
How to Stretch Your Salary to the End of the Month

How to Stretch Your Salary to the End of the Month

by Alliance DC Support | Mar 23, 2026 | Debt Education, Financial Wellbeing, Money Management

Out of the Office of Willem Nel, a Registered Debt Counsellor NCRDC 1593   For many South Africans, making a salary last until month-end has become more difficult than ever. Rising food prices, fuel costs, school expenses, debt repayments, and everyday living costs...
How to Cut Monthly Costs Without Downsizing Your Life

How to Cut Monthly Costs Without Downsizing Your Life

by Alliance DC Team | Mar 16, 2026 | Debt Education

From the office of Willem Nel, registered debt counsellor (NCRDC1593), we understand that many South Africans struggle to manage their monthly expenses. It can feel like no matter how hard you work, your income disappears before the month ends. But reducing your...
The 2026 Household Budget Template I Give All My Clients

The 2026 Household Budget Template I Give All My Clients

by Alliance DC Team | Mar 9, 2026 | Debt Education

By Willem Nel – Registered Debt Counsellor When people hear the word budget, they often think it is something complicated or restrictive. In reality, a household budget is simply a clear plan for how your money should work for you every month. As a registered debt...
What Happens to Your Credit Score While Under Debt Review?

What Happens to Your Credit Score While Under Debt Review?

by Alliance DC Team | Feb 24, 2026 | Debt Education, Debt Solutions in South Africa

By Willem Nel – Registered Debt Counsellor If you are considering debt review, one of the first questions you will ask is: “What will happen to my credit score?” As a Registered Debt Counsellor, I regularly advise consumers who are concerned about their credit...
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