Contact Us: Tel: 0861 332 872 / 084 589 7000

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 Call us on: 0861 332 872 / 084 589 7000

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We are registered NCR (National Credit Regulator) members as well as members of DCASA (The Debt Counselling Association of South Africa)




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How do I know if something is a necessity or a luxury?


Necessities can be described as those things that we can’t do without.

 Luxuries are the things which are more of an indulgence rather than a necessity.  These would include items such as Satellite TV, Timeshare or Gambling.