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Recently, I heard a Lady say that she will have to die out of her debt, and that had me wondering… either her debt situation is so bad that she will still be paying installments till after her dying day or she is just not looking for solutions.

What I find sad, is the fact that her retirement plan includes using her pension or provident fund contributions to pay up her debt, which means that eventually she would become a SASSA government pensioner.

Now I understand that debt has a negative connotation, but at the end of the day, we do decide to make the debt and must be accountable for our actions.  Problem is, we don’t look for solutions, we only see this debt pit in front of us and blame the creditors.  The solution is not easy but doable.  Put a process in place, implement a debt reduction plan and Stick to It.  If you can’t put a plan in place, find a credible Debt Management company, such as Accredited Debt Counselling Services (ADCS) and commit to the process.

In the meantime, while the debt reduction plan is decreasing your debt, life still happens and on a shoestring budget it can be tough, but believe me there are several ways to substitute your income so that you maintain your standard of living and still provide the needed things at home.

Many of you are saying that you work a normal office job that does not pay overtime, so how can I increase my income? Maybe you are not even receiving a bonus or any salary increases this year.

Well the first solution to your tight budget is to look at yourself? Ask yourself what do you have to offer? What skills do you possess?  What ability do you have that can better your current situation?

Honestly, if we were encouraged enough, we would all try to increase our income.  In your community or friendship circles there is the person who sells cosmetics to friends, colleagues and relatives or an electrician that insert plugs (R200.00 per plug) work done over weekends only and don’t forget the lady that makes koeksisters, which the local café sells to the community on a Sunday morning.  These people are substituting their income, whether they are working normal jobs or pensioners, they making extra money.  There are so many different opportunities we can involve ourselves with, so that we can substitute our income.

In truth, part-time work or commission earning opportunities are all over, we just need to find one we like and start.  It truly starts with you, taking the first step to improve your situation and your life.

Did you know that you could register on a site such as Airbnb and rent out a private open room in your house or garden?  On the 4th February 2017, we searched for a room in Kraaifontein, a distance from the beaches and tourist destinations, and we could rent a room for R279.00 per night that is an additional R1000.00 per month if occupied once a week over four weeks.

Then there are sites that you can use to sell all the items you no longer need in your house. Yes, letgo, gumtree, etc. are websites where you can sell and buy almost any used goods. You would be surprised how quickly things sell and how much money you can make.

We all spend, such is life, but we should always try to spend wisely and use the benefits we have. I have recently been encouraging friends to use Loyalty Programmes such as the Samsung Rewards programme, MTN Loyalty Programme, Nedbank Greenbacks, etc. Did you know that you can convert Nedbank Greenbacks to cash and/or shop on the Greenbacks shops? Look at what reward programmes your banks, creditors and retailers are offering.  Sometimes these rewards programmes offer the products or services you make use of. Remember nobody has a budget for birthday gifts, etc. – these programmes are to say thank you for being their client. Consider using them for discounts or free gifts, it can save you massively for those gifts you will need.  Most, if not all groups have some sort of Loyalty Programme, join, earn points, use it, after all its freely available for you to earn and use.  Consider Hyperli, the new Groupon, to save when it comes to finding activities, goods and travel at discounted prices. Some shopping groups now have discount deals and coupons, etc. Use it!!

In conclusion, the above are just a few ideas to illustrate how easy it is to increase your income potential and spend wisely. The power is in your hand to make things better, you just need to decide what, how, when, why, who and you could start increasing your income and improving your situation.  Do enough research before implementing, but keep your goal in mind.  Remember, that a R100.00 is still a R100.00 and every one counts and could potentially make a huge difference in your quest either to become debt -free or making your life more manageable.

Kind Regards,
JASON GEORGE

Jason has been involved in the debt industry for nearly 10 years and is an admitted Attorney and practices as a legal advisor.

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