Your Debt Friend

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Your Debt Friend Registered NCR Debt Counsellors here to assist the financially stressed consumer become debt free and earn a clean credit record. www.yourdebtfriend.co.za

YDF was established in April 2012 under the auspices of Registered Debt Counsellor Ferial Theunissen NCRDC 364. Your Debt Friend has been established with the focus around individual needs as too often people are treated as just a number. For years we have helped thousands of South Africans regain their financial freedom through a tailor-made plan that suits their needs. Debt relief at its best! Your Debt Friend together with the National Credit Act, negotiates new payment arrangements with creditors on your behalf for more affordable installments leaving you with money in your pocket for living costs and essentials. We also assist with rescissions of judgment. Our team comes with years of expertise in the debt conselling industry and have a plethora of success stories to share. Take that first step to financial freedom with a friend at your side! contact Your Debt Friend and speak to one of their registered debt counsellors today!

Your salary came in and immediately started making other plans.Between subscriptions, takeaways, little treats and those...
26/10/2026

Your salary came in and immediately started making other plans.
Between subscriptions, takeaways, little treats and those sneaky debit orders, it's easy to lose track of where your money is going.
It's not about never treating yourself. It's about understanding your spending habits and knowing what's coming off your account every month.
Your money deserves a plan, not just vibes.
Be honest... what's that ONE expense that keeps catching you off guard?



Ubydoellaah DevajeeFerial TheunissenSumaya Fredericks

24/10/2026
23/10/2026

Considering Debt Review .

Ferial Theunissen Ubydoellaah Devajee Sumaya Fredericks

๐‹๐ž๐ญโ€™๐ฌ ๐ญ๐š๐ฅ๐ค ๐š๐›๐จ๐ฎ๐ญ ๐ฆ๐จ๐ง๐ž๐ฒโ€ฆ ๐›๐ž๐œ๐š๐ฎ๐ฌ๐ž ๐ฌ๐จ๐ฆ๐ž๐ญ๐ข๐ฆ๐ž๐ฌ, ๐ญ๐ก๐ž ๐ง๐ฎ๐ฆ๐›๐ž๐ซ๐ฌ ๐š๐ซ๐ž๐งโ€™๐ญ ๐ง๐ฎ๐ฆ๐›๐ž๐ซ๐ข๐ง๐ . โฃโฃ๐–ค๐—๐–พ๐—‹ ๐—‹๐–พ๐–บ๐–ผ๐—๐–พ๐–ฝ ๐—๐—๐–พ ๐–พ๐—‡๐–ฝ ๐—ˆ๐–ฟ ๐—๐—๐–พ ๐—†๐—ˆ๐—‡๐—๐— ๐—๐—ˆ๐—‡๐–ฝ๐–พ๐—‹๐—‚๐—‡๐—€ ๐—...
23/10/2026

๐‹๐ž๐ญโ€™๐ฌ ๐ญ๐š๐ฅ๐ค ๐š๐›๐จ๐ฎ๐ญ ๐ฆ๐จ๐ง๐ž๐ฒโ€ฆ ๐›๐ž๐œ๐š๐ฎ๐ฌ๐ž ๐ฌ๐จ๐ฆ๐ž๐ญ๐ข๐ฆ๐ž๐ฌ, ๐ญ๐ก๐ž ๐ง๐ฎ๐ฆ๐›๐ž๐ซ๐ฌ ๐š๐ซ๐ž๐งโ€™๐ญ ๐ง๐ฎ๐ฆ๐›๐ž๐ซ๐ข๐ง๐ . โฃ
โฃ
๐–ค๐—๐–พ๐—‹ ๐—‹๐–พ๐–บ๐–ผ๐—๐–พ๐–ฝ ๐—๐—๐–พ ๐–พ๐—‡๐–ฝ ๐—ˆ๐–ฟ ๐—๐—๐–พ ๐—†๐—ˆ๐—‡๐—๐— ๐—๐—ˆ๐—‡๐–ฝ๐–พ๐—‹๐—‚๐—‡๐—€ ๐—๐—๐–พ๐—‹๐–พ ๐—’๐—ˆ๐—Ž๐—‹ ๐—Œ๐–บ๐—…๐–บ๐—‹๐—’ ๐—๐–พ๐—‡๐—? ๐–ฎ๐—‹ ๐–ฟ๐–พ๐—…๐— ๐—…๐—‚๐—„๐–พ ๐—’๐—ˆ๐—Ž๐—‹ ๐–ฝ๐–พ๐–ป๐— ๐—‹๐–พ๐—‰๐–บ๐—’๐—†๐–พ๐—‡๐—๐—Œ ๐–บ๐—‹๐–พ ๐—๐–บ๐—„๐—‚๐—‡๐—€ ๐—Ž๐—‰ ๐—†๐—ˆ๐—‹๐–พ ๐—ˆ๐–ฟ ๐—’๐—ˆ๐—Ž๐—‹ ๐—‚๐—‡๐–ผ๐—ˆ๐—†๐–พ ๐—๐—๐–บ๐—‡ ๐—’๐—ˆ๐—Ž ๐–พ๐—‘๐—‰๐–พ๐–ผ๐—๐–พ๐–ฝ?โฃ
โฃ
๐˜๐จ๐ฎโ€™๐ซ๐ž ๐ง๐จ๐ญ ๐š๐ฅ๐จ๐ง๐ž. ๐– ๐—‡๐–ฝ ๐—Ž๐—‡๐–ฝ๐–พ๐—‹๐—Œ๐—๐–บ๐—‡๐–ฝ๐—‚๐—‡๐—€ ๐—๐—๐–บ๐—โ€™๐—Œ ๐—๐–บ๐—‰๐—‰๐–พ๐—‡๐—‚๐—‡๐—€ ๐—๐—‚๐—๐— ๐—’๐—ˆ๐—Ž๐—‹ ๐—†๐—ˆ๐—‡๐–พ๐—’ ๐—‚๐—Œ ๐—๐—๐–พ ๐–ฟ๐—‚๐—‹๐—Œ๐— ๐—Œ๐—๐–พ๐—‰ ๐—๐—ˆ๐—๐–บ๐—‹๐–ฝ๐—Œ ๐—†๐–บ๐—„๐—‚๐—‡๐—€ ๐—‚๐—‡๐–ฟ๐—ˆ๐—‹๐—†๐–พ๐–ฝ ๐–ฟ๐—‚๐—‡๐–บ๐—‡๐–ผ๐—‚๐–บ๐—… ๐–ฝ๐–พ๐–ผ๐—‚๐—Œ๐—‚๐—ˆ๐—‡๐—Œ.โฃ
โฃ
๐–ถ๐–พโ€™๐—๐–พ ๐—€๐—ˆ๐— ๐—†๐—ˆ๐—‹๐–พ ๐—‚๐—‡๐—Œ๐—‚๐—€๐—๐—๐—Œ ๐—๐–บ๐—‚๐—๐—‚๐—‡๐—€ ๐–ฟ๐—ˆ๐—‹ ๐—’๐—ˆ๐—Ž ๐—ˆ๐—‡ ๐—๐—๐–พ ๐–ธ๐—ˆ๐—Ž๐—‹ ๐–ฃ๐–พ๐–ป๐— ๐–ฅ๐—‹๐—‚๐–พ๐—‡๐–ฝ ๐–ป๐—…๐—ˆ๐—€ , ๐–ป๐—‹๐–พ๐–บ๐—„๐—‚๐—‡๐—€ ๐–ฝ๐—ˆ๐—๐—‡ ๐—†๐—ˆ๐—‡๐–พ๐—’ ๐—†๐–บ๐—๐—๐–พ๐—‹๐—Œ ๐—๐—‚๐—๐—๐—ˆ๐—Ž๐— ๐—๐—๐–พ ๐–ผ๐—ˆ๐—†๐—‰๐—…๐—‚๐–ผ๐–บ๐—๐–พ๐–ฝ ๐—ƒ๐–บ๐—‹๐—€๐—ˆ๐—‡.โฃ
โฃ
๐‚๐ฎ๐ซ๐ข๐จ๐ฎ๐ฌ? ๐‘๐ž๐š๐ ๐ญ๐ก๐ž ๐Ÿ๐ฎ๐ฅ๐ฅ ๐›๐ฅ๐จ๐  ๐ก๐ž๐ซ๐ž https://www.yourdebtfriend.co.za/blog/blog


Ubydoellaah DevajeeFerial TheunissenSumaya Fredericks

Your salary has PLANS before it even hits your account.Rent. Groceries. Transport. Insurance. Debt repayments. Debit ord...
22/10/2026

Your salary has PLANS before it even hits your account.
Rent. Groceries. Transport. Insurance. Debt repayments. Debit orders. And suddenly, you're wondering where the rest went.

Knowing your monthly commitments helps you understand how much of your income is already spoken for and what you realistically have left for everything else.

Your money needs a plan, not just vibes.

Save this post for your next monthly money check-in, and DM YDF if you're struggling to keep up with your debt repayments. We're here to help you understand your options.

Ubydoellaah DevajeeSumaya FredericksFerial Theunissen

Think you know the truth about debt review?Some of what you've heard might surprise you
22/10/2026

Think you know the truth about debt review?

Some of what you've heard might surprise you

๐‚๐ซ๐ž๐๐ข๐ญ๐จ๐ซ๐ฌ ๐ฆ๐š๐ฒ ๐ญ๐ž๐ซ๐ฆ๐ข๐ง๐š๐ญ๐ž ๐ญ๐ก๐ž๐ข๐ซ ๐š๐œ๐œ๐จ๐ฎ๐ง๐ญ๐ฌ ๐Ÿ๐ซ๐จ๐ฆ ๐๐ž๐›๐ญ ๐ซ๐ž๐ฏ๐ข๐ž๐ฐ. ๐–ณ๐—๐–พ๐—’ ๐—†๐–บ๐—’ ๐—Œ๐–พ๐–พ๐—„ ๐—๐—ˆ ๐–พ๐—‡๐–ฟ๐—ˆ๐—‹๐–ผ๐–พ ๐—๐—๐–พ ๐—ˆ๐—‹๐—‚๐—€๐—‚๐—‡๐–บ๐—… ๐–ผ๐—‹๐–พ๐–ฝ๐—‚๐— ๐–บ๐—€๐—‹๐–พ๐–พ๐—†๐–พ๐—‡๐— ๐—‹๐–บ๐—๐—๐–พ๐—‹ ๐—...
21/10/2026

๐‚๐ซ๐ž๐๐ข๐ญ๐จ๐ซ๐ฌ ๐ฆ๐š๐ฒ ๐ญ๐ž๐ซ๐ฆ๐ข๐ง๐š๐ญ๐ž ๐ญ๐ก๐ž๐ข๐ซ ๐š๐œ๐œ๐จ๐ฎ๐ง๐ญ๐ฌ ๐Ÿ๐ซ๐จ๐ฆ ๐๐ž๐›๐ญ ๐ซ๐ž๐ฏ๐ข๐ž๐ฐ. ๐–ณ๐—๐–พ๐—’ ๐—†๐–บ๐—’ ๐—Œ๐–พ๐–พ๐—„ ๐—๐—ˆ ๐–พ๐—‡๐–ฟ๐—ˆ๐—‹๐–ผ๐–พ ๐—๐—๐–พ ๐—ˆ๐—‹๐—‚๐—€๐—‚๐—‡๐–บ๐—… ๐–ผ๐—‹๐–พ๐–ฝ๐—‚๐— ๐–บ๐—€๐—‹๐–พ๐–พ๐—†๐–พ๐—‡๐— ๐—‹๐–บ๐—๐—๐–พ๐—‹ ๐—๐—๐–บ๐—‡ ๐–ผ๐—ˆ๐—‡๐—๐—‚๐—‡๐—Ž๐–พ ๐—๐—‚๐—๐— ๐—๐—๐–พ ๐—‹๐–พ๐—Œ๐—๐—‹๐—Ž๐–ผ๐—๐—Ž๐—‹๐–พ๐–ฝ ๐—‹๐–พ๐—‰๐–บ๐—’๐—†๐–พ๐—‡๐— ๐–บ๐—‹๐—‹๐–บ๐—‡๐—€๐–พ๐—†๐–พ๐—‡๐—, ๐—Œ๐—Ž๐–ป๐—ƒ๐–พ๐–ผ๐— ๐—๐—ˆ ๐—๐—๐–พ ๐–บ๐—‰๐—‰๐—…๐—‚๐–ผ๐–บ๐–ป๐—…๐–พ ๐—…๐–พ๐—€๐–บ๐—… ๐—‹๐–พ๐—Š๐—Ž๐—‚๐—‹๐–พ๐—†๐–พ๐—‡๐—๐—Œ.โฃ
๐“๐ก๐ž ๐จ๐ซ๐ข๐ ๐ข๐ง๐š๐ฅ ๐ข๐ง๐ฌ๐ญ๐š๐ฅ๐ฆ๐ž๐ง๐ญ๐ฌ ๐ฆ๐š๐ฒ ๐›๐ž๐œ๐จ๐ฆ๐ž ๐ฎ๐ง๐š๐Ÿ๐Ÿ๐จ๐ซ๐๐š๐›๐ฅ๐ž ๐š๐ ๐š๐ข๐ง. ๐–ข๐—‹๐–พ๐–ฝ๐—‚๐—๐—ˆ๐—‹๐—Œ ๐—†๐–บ๐—’ ๐–พ๐—‘๐—‰๐–พ๐–ผ๐— ๐—๐—๐–พ ๐–ผ๐—ˆ๐—‡๐—Œ๐—Ž๐—†๐–พ๐—‹ ๐—๐—ˆ ๐—†๐–พ๐–พ๐— ๐—๐—๐–พ๐—‚๐—‹ ๐–ผ๐—ˆ๐—‡๐—๐—‹๐–บ๐–ผ๐—๐—Ž๐–บ๐—… ๐—ˆ๐–ป๐—…๐—‚๐—€๐–บ๐—๐—‚๐—ˆ๐—‡๐—Œ, ๐—†๐–บ๐—„๐—‚๐—‡๐—€ ๐—‚๐— ๐–ฝ๐—‚๐–ฟ๐–ฟ๐—‚๐–ผ๐—Ž๐—…๐— ๐—๐—ˆ ๐–ผ๐–บ๐—๐–ผ๐— ๐—Ž๐—‰.โฃ
๐‹๐ž๐ ๐š๐ฅ ๐š๐œ๐ญ๐ข๐จ๐ง ๐ฆ๐š๐ฒ ๐Ÿ๐จ๐ฅ๐ฅ๐จ๐ฐ. ๐–ฃ๐–พ๐—‰๐–พ๐—‡๐–ฝ๐—‚๐—‡๐—€ ๐—ˆ๐—‡ ๐—๐—๐–พ ๐–ผ๐—‚๐—‹๐–ผ๐—Ž๐—†๐—Œ๐—๐–บ๐—‡๐–ผ๐–พ๐—Œ ๐–บ๐—‡๐–ฝ ๐—‹๐–พ๐—Š๐—Ž๐—‚๐—‹๐–พ๐–ฝ ๐—…๐–พ๐—€๐–บ๐—… ๐—‰๐—‹๐—ˆ๐–ผ๐–พ๐—Œ๐—Œ, ๐–ผ๐—‹๐–พ๐–ฝ๐—‚๐—๐—ˆ๐—‹๐—Œ ๐—†๐–บ๐—’ ๐—‚๐—Œ๐—Œ๐—Ž๐–พ ๐—Œ๐—Ž๐—†๐—†๐—ˆ๐—‡๐—Œ, ๐—Œ๐–พ๐–พ๐—„ ๐—ƒ๐—Ž๐–ฝ๐—€๐—†๐–พ๐—‡๐— ๐—ˆ๐—‹ ๐—๐–บ๐—„๐–พ ๐–พ๐—‡๐–ฟ๐—ˆ๐—‹๐–ผ๐–พ๐—†๐–พ๐—‡๐— ๐—Œ๐—๐–พ๐—‰๐—Œ.โฃ
๐“๐ก๐ž ๐œ๐จ๐ง๐ฌ๐ฎ๐ฆ๐ž๐ซ'๐ฌ ๐ฏ๐ž๐ก๐ข๐œ๐ฅ๐ž ๐จ๐ซ ๐ก๐จ๐ฆ๐ž ๐œ๐จ๐ฎ๐ฅ๐ ๐›๐ž ๐š๐ญ ๐ซ๐ข๐ฌ๐ค. ๐–จ๐–ฟ ๐–บ ๐—Œ๐–พ๐–ผ๐—Ž๐—‹๐–พ๐–ฝ ๐–บ๐–ผ๐–ผ๐—ˆ๐—Ž๐—‡๐— ๐—‚๐—Œ ๐–พ๐—‡๐–ฟ๐—ˆ๐—‹๐–ผ๐–พ๐–ฝ, ๐—‹๐–พ๐—‰๐—ˆ๐—Œ๐—Œ๐–พ๐—Œ๐—Œ๐—‚๐—ˆ๐—‡ ๐—ˆ๐—‹ ๐—ˆ๐—๐—๐–พ๐—‹ ๐–พ๐—‡๐–ฟ๐—ˆ๐—‹๐–ผ๐–พ๐—†๐–พ๐—‡๐— ๐–บ๐–ผ๐—๐—‚๐—ˆ๐—‡ ๐—†๐–บ๐—’ ๐–ฟ๐—ˆ๐—…๐—…๐—ˆ๐—, ๐—Œ๐—Ž๐–ป๐—ƒ๐–พ๐–ผ๐— ๐—๐—ˆ ๐—๐—๐–พ ๐—…๐–บ๐— ๐–บ๐—‡๐–ฝ ๐—๐—๐–พ ๐—‹๐–พ๐—…๐–พ๐—๐–บ๐—‡๐— ๐–ผ๐—ˆ๐—Ž๐—‹๐— ๐—‰๐—‹๐—ˆ๐–ผ๐–พ๐—Œ๐—Œ.โฃ
๐€๐ซ๐ซ๐ž๐š๐ซ๐ฌ ๐œ๐š๐ง ๐š๐œ๐œ๐ฎ๐ฆ๐ฎ๐ฅ๐š๐ญ๐ž. ๐–ฌ๐—‚๐—Œ๐—Œ๐–พ๐–ฝ ๐—‰๐–บ๐—’๐—†๐–พ๐—‡๐—๐—Œ ๐–ผ๐–บ๐—‡ ๐—…๐–พ๐–บ๐—๐–พ ๐—๐—๐–พ ๐–ผ๐—ˆ๐—‡๐—Œ๐—Ž๐—†๐–พ๐—‹ ๐–ฟ๐—Ž๐—‹๐—๐—๐–พ๐—‹ ๐–ป๐–พ๐—๐—‚๐—‡๐–ฝ ๐–บ๐—‡๐–ฝ ๐—†๐–บ๐—„๐–พ ๐—‚๐— ๐—๐–บ๐—‹๐–ฝ๐–พ๐—‹ ๐—๐—ˆ ๐—‹๐–พ๐—Œ๐—ˆ๐—…๐—๐–พ ๐—๐—๐–พ ๐—Œ๐—‚๐—๐—Ž๐–บ๐—๐—‚๐—ˆ๐—‡.โฃ
๐“๐ก๐ž ๐๐ž๐›๐ญ ๐ซ๐ž๐ฏ๐ข๐ž๐ฐ ๐ฌ๐ญ๐š๐ญ๐ฎ๐ฌ ๐๐จ๐ž๐ฌ ๐ง๐จ๐ญ ๐ง๐ž๐œ๐ž๐ฌ๐ฌ๐š๐ซ๐ข๐ฅ๐ฒ ๐๐ข๐ฌ๐š๐ฉ๐ฉ๐ž๐š๐ซ. ๐–ค๐—๐–พ๐—‡ ๐—‚๐–ฟ ๐–ผ๐—‹๐–พ๐–ฝ๐—‚๐—๐—ˆ๐—‹๐—Œ ๐—๐–พ๐—‹๐—†๐—‚๐—‡๐–บ๐—๐–พ ๐—‚๐—‡๐–ฝ๐—‚๐—๐—‚๐–ฝ๐—Ž๐–บ๐—… ๐–บ๐–ผ๐–ผ๐—ˆ๐—Ž๐—‡๐—๐—Œ, ๐—๐—๐–พ ๐–ผ๐—ˆ๐—‡๐—Œ๐—Ž๐—†๐–พ๐—‹ ๐—†๐–บ๐—’ ๐—‹๐–พ๐—†๐–บ๐—‚๐—‡ ๐—Ž๐—‡๐–ฝ๐–พ๐—‹ ๐–ฝ๐–พ๐–ป๐— ๐—‹๐–พ๐—๐—‚๐–พ๐— ๐–บ๐—‡๐–ฝ ๐–ป๐–พ ๐—Ž๐—‡๐–บ๐–ป๐—…๐–พ ๐—๐—ˆ ๐–บ๐–ผ๐–ผ๐–พ๐—Œ๐—Œ ๐—‡๐–พ๐— ๐–ผ๐—‹๐–พ๐–ฝ๐—‚๐—.โฃ
๐ƒ๐Œ ๐Ÿ๐จ๐ซ ๐ฆ๐จ๐ซ๐ž ๐ข๐ง๐Ÿ๐จ๐ซ๐ฆ๐š๐ญ๐ข๐จ๐งโฃ

Ubydoellaah DevajeeFerial TheunissenSumaya Fredericks

20/10/2026

Sometimes, itโ€™s not about earning too little. Itโ€™s about how much of your income is already committed before you even get paid.


Ubydoellaah DevajeeFerial TheunissenSumaya Fredericks

DEBT REVIEW, IN A NUTSHELL!Ever wondered what actually happens when you apply for debt review? Itโ€™s not just about payin...
20/10/2026

DEBT REVIEW, IN A NUTSHELL!
Ever wondered what actually happens when you apply for debt review?
Itโ€™s not just about paying less every month. Itโ€™s about understanding your financial situation, assessing your affordability, and following the right steps towards a more manageable repayment plan.
From your first consultation to Form 16, the notices, creditor acceptances and court order โ€” every step matters.
Feeling overwhelmed by your monthly debt repayments? You don't have to figure everything out on your own.
Understanding your options is the first step towards taking back control.
Save this post so you can refer back to the steps whenever you need them!

17/10/2026

Financial amnesia is real until payday comes around again

Ubydoellaah Devajee
Ferial Theunissen
Sumaya Fredericks

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Gardens
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