Budget & Financial Assessment
A thorough, confidential analysis of your financial situation to determine over-indebtedness and identify the best path to recovery.
Accreditation
Registration Number: NCRDC2823
Registered with the National Credit Regulator. Fully compliant with the National Credit Act and POPIA.
First Step
The Foundation of Debt Counselling
Every successful debt counselling journey begins with a clear picture of your finances. Our Budget & Financial Assessment is a detailed, confidential review of your income, expenses, assets, and debt obligations.
This is not a quick checklist — it is a deep dive into your financial reality. We look at every rand coming in and every cent going out, every debt you owe, and every asset you own. The result is a complete understanding of your situation and a clear recommendation on the best way forward.
There is no cost for this assessment, and no obligation to proceed if you decide debt counselling is not right for you.
Our Values
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Monthly income (salary, rentals, grants, etc.)
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Essential living expenses (food, transport, school fees)
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Debt obligations (home loan, vehicle, credit cards, loans)
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Assets (property, vehicles, savings, investments)
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Credit agreements and default status
The Over-Indebtedness Test
The National Credit Act defines over-indebtedness as when your debt repayments exceed your income after essential expenses. If this applies to you, you may qualify for debt counselling.
Why Choose Us
What Sets Us Apart
NCR Registered
Fully registered with the National Credit Regulator, ensuring our processes meet South Africa's strict legal...
Confidential & Secure
Your financial information is handled with the utmost care and confidentiality, fully aligned with POPIA...
Client-First Approach
Every plan is tailored to your unique financial situation. No cookie-cutter solutions — only what...
Transparent Fees
Our fees are regulated by the National Credit Act. No hidden costs, no surprises —...
Legal Protection
Once placed under debt review, you gain immediate legal protection from creditor harassment and legal...
Proven Results
We have helped hundreds of South Africans restructure their debts and move toward financial freedom...