{"id":2793,"date":"2021-01-20T21:27:41","date_gmt":"2021-01-20T21:27:41","guid":{"rendered":"https:\/\/www.africa-press.net\/south-africa\/?p=2793"},"modified":"2021-01-20T17:34:55","modified_gmt":"2021-01-20T17:34:55","slug":"debt-time-to-turn-your-financial-woes-around","status":"publish","type":"post","link":"https:\/\/www.africa-press.net\/south-africa\/all-news\/debt-time-to-turn-your-financial-woes-around","title":{"rendered":"Debt: Time to turn your financial woes around"},"content":{"rendered":"

Africa-Press<\/a> – South-Africa<\/a>. <\/strong><\/span>\u201cGood riddance 2020\u201d and a well-deserved \u201cHello 2021\u201d to you (and your finances). The previous year has sure been tough not only mentally, physically but also financially. Excessive bills and the responsibility of paying off undue credit are not at all easy and desirable after a year of first-time (or, all-too-familiar) financial blows and uneasy pandemic territories. But, as tough as it is, don\u2019t you think that your new 2021 year is the ideal time to start and turn your financial situation around? It\u2019s time for you to intervene if your financials are not portraying and reflecting what they\u2019re supposed to. The sooner you manage your finances properly, the better your chances are of getting out of excessive debt.<\/p>\n

\u201cThe shocking outstanding consumer credit numbers as indicated by the National Credit Regulator (NCR) paints a scary picture. Being proactive and adding some urgency to your financial New Year\u2019s resolutions and goals should, therefore, be your top priority right now. It is the ideal time, after a disappointing 2020 year, to avoid being or becoming part of debt-filled statistics. It\u2019s best to start or keep your mini-economy going, instead,\u201d says Carla Oberholzer \u2013 debt adviser at DebtSafe.<\/p>\n

Here are four financial fixers, pointers, goals or New Year\u2019s resolutions \u2013 call it what you may \u2013 that you can incorporate in your financial goals this 2021:<\/p>\n

Budget properly & make alterations if and when necessary<\/b><\/p>\n

It is important to keep track of your finances and what better way than to have a budget outlined according to YOUR needs for each specific month. Start with your net income minus your long-term investments and\/or short-term savings and, minus your various expenditures (this will include necessities and your debt obligations) that can equal either a surplus (+) or a minus (-) total that you have left. You will realise if you are on the right track or if you have to do something drastic to get on the \u2018financial straight and narrow\u2019 again. If you decide that you have to make amendments to your monthly budget, do it sooner rather than later. Each month brings its own \u2018financial responsibilities\u2019, such as school accessories, house or car maintenance. Your budget has to, therefore, be amended accordingly.<\/p>\n

\u2018Take stock\u2019 of your income, necessary expenditures and avoidable costs<\/p>\n

It is of utmost importance that your expenses do not exceed your income amount. If you have your budget ready \u2013 great. But, NOW is also the time to tackle those unnecessary \u2018spending leaks\u2019:<\/p>\n

Up your level of involvement<\/b><\/p>\n

Remember, actions speak louder than words. Are you involved with what is and what has been going on in your finances? Don\u2019t be an ostrich and think, that if you stick your head in the ground, all of your financial woes will poof and disappear. Here are a few tips to ensure your involvement:<\/p>\n

To get out of debt is not a one-man show<\/b><\/p>\n

Lastly, don\u2019t go it alone. There are financial planners, advisors, and bankers available to help you. In severe indebted cases the NCR, as well as debt counsellors, can guide and assist you to safely fix your over-indebted situation.<\/p>\n

Kickstart your 2021 year with a clean slate. Especially, when it comes to YOUR goals, YOUR choices, YOUR pro-action, and YOUR perfect TIMING to get your financials on track again. Turn a new leaf and try not to look for excuses or waste time pondering over past misfortunes. Why the wait?<\/p>\n

PERSONAL FINANCE<\/b><\/p>\n","protected":false},"excerpt":{"rendered":"

Africa-Press – South-Africa. \u201cGood riddance 2020\u201d and a well-deserved \u201cHello 2021\u201d to you (and your finances). The previous year has sure been tough not only mentally, physically but also financially. Excessive bills and the responsibility of paying off undue credit are not at all easy and desirable after a year of first-time (or, all-too-familiar) financial […]<\/p>\n","protected":false},"author":84,"featured_media":2792,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2,6,8],"tags":[274,315,275],"class_list":["post-2793","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-all-news","category-files","category-homepage-english","tag-africa-press","tag-africa-press-south-africa","tag-south-africa-2"],"yoast_head":"\nDebt: Time to turn your financial woes around - South Africa<\/title>\n<meta name=\"description\" content=\"\u201cGood riddance 2020\u201d and a well-deserved \u201cHello 2021\u201d to you (and your finances). 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