The SA Handbook guide
Debt
Understand borrowing, repayment strategies and debt-help options.
Personal loans explained
Understand instalments, interest, fees and total repayment before accepting unsecured credit.
Read guide →Debt review explained
Understand the formal debt-counselling process, its protections, costs and restrictions.
Read guide →Debt consolidation: when it helps and when it does not
See whether replacing several debts with one loan genuinely reduces cost and risk.
Read guide →Debt snowball versus debt avalanche
Compare the motivational smallest-balance method with the interest-saving highest-rate method.
Read guide →How to settle debt early
Use formal settlement figures and direct extra payments correctly.
Read guide →Signs you may be over-indebted
Recognise when normal budgeting changes are no longer enough and formal help may be needed.
Read guide →