Editor’s Note

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We are almost there, the end of the year is just around the corner and the sense that things will be fine as long as we can just make it to the holidays looms large.

Somewhere they are no doubt busy unthawing Mariah Carey again and holiday tunes are beginning to make their way into the shops. People are tired but there is a glint in their eyes that says…soon.

It has been a rough year and as we approach the end of it I suppose we must congratulate ourselves for making it through the wave of Black Friday adverts and still having a cent to our names. Well done us for not spending money we didn’t have this year. 

And spending money you don’t have is pretty much how everyone lives these days. Even parastatals run at a huge loss each year. Soon we will be spending more to make up for all the spending people at Eskom have to do so I suppose we can’t be too smug just yet.

The mistakes of the past have finally caught up with the present and we are all paying the (now increased) price. But mistakes are easy to make. The trick is to survive your mistakes and grow.

So if you are kicking yourself for getting into debt in the past or perhaps wishing you had never started trying to pay off your debt through debt review then be sure to read our article discussing mistakes in this issue. There may be thoughts which can help you think differently about your mistakes.

‘think differently about your mistakes’

This issue we also discuss some industry specific news like recent NCT rulings and news about credit providers and the NCR. We also have tips for you which may well save you some bucks at the shops in the next few weeks so, check that out as well. We may need those bucks to pay for our electricity.

‘Debt review and dealing with debt can be hard. It can be tiring. It can leave you feeling worn out and exhausted’

Debt review and dealing with debt can be hard. It can be tiring. It can leave you feeling worn out and exhausted. But not dealing with your debt can leave you totally wrecked so it is good that you are doing something about it.  Even if you have to drag yourself through. Try stay positive.

A positive hope for the future, like a holiday or being totally debt free can keep you going when you are tired. You just have to remind yourself that good things lie ahead. So, please make your payment again this month. Make plans to make your payment early next month if you can and just keep going. You are almost there. And hopefully almost debt free.