Master Your Money - Debt Counselling

03/09/2026

So, story time.

JR recently transferred his debt review matter to Master Your Money - Debt Counselling after being under debt review with a large, well-known Debt Counselling firm for more than four years.

When he entered debt review, he owed approximately R125,000.00 on one loan. Despite making a meaningful monthly payment for four-and-a-half years, the balance had only reduced to around R105,000.00.

On review of his matter, it became clear that the necessary engagement with the bank had not been concluded to secure a more suitable interest rate. The result? He was paying every month, but far too much of that payment was being absorbed by interest.

After the transfer to Master Your Money - Debt Counselling, I engaged with the bank and successfully agreed to reduce the interest rate from 25.1% to 0.58%.

That one intervention has changed the future of this account completely. Instead of years of barely seeing progress, JR is now on a realistic road towards settling the debt.

Debt Review is not simply about loading a consumer onto a system and collecting a monthly payment. It requires attention, follow-up, negotiation and someone who is willing to step in when a client needs help.

Congratulations, JR — your finish line is now much closer.

01/09/2026

Press 1 to repeat yourself.
Press 2 to be transferred.
Press 3 to explain everything again. 😵‍💫

Or contact Master Your Money - Debt Counselling and speak directly to the Debt Counsellor.

Your debt is personal. Your help should be too.

Shaun: 072 499 0092
NCRDC1356

27/08/2026

Are You Buying or Just Spending?

Have you ever gone to the mall just to walk around, or opened an online shopping app simply because you were bored?

Sometimes we shop because we genuinely need something. Other times, it is for entertainment, distraction, or that quick little feeling of “I deserve this.”

That feeling is real—but it is also temporary. The item arrives today; the financial impact often arrives later. Credit and Buy Now, Pay Later options can make it even easier to spend money you have not yet earned.

Small, unplanned purchases can quietly add up. Shopping without a list, adding something to reach “free delivery”, or buying on impulse may not feel serious in the moment—but it can place unnecessary pressure on your budget.

A budget does not mean you may never enjoy your money. It simply means you decide, in advance, where it should go.

Before buying something unplanned, try giving it 24 hours. Ask yourself: Do I really need this? Can I comfortably afford it? Will I still want it tomorrow?

Sometimes the smartest shopping decision is simply to wait.

21/08/2026

21/08/2026

Client feedback like this always makes my day.

Debt review can feel complicated enough — getting answers, understanding the process and knowing someone is actually available when you need them shouldn’t be.

Thank you for the kind words and for trusting Master Your Money - Debt Counselling with your journey.

[email protected] / 072 499 0092 / 041 399 9465

20/08/2026

Last week, Master Your Money - Debt Counselling had the privilege of attending the 2026 Debt Counsellors Association of South Africa (DCASA) Annual Conference in Johannesburg — a day dedicated to learning, engaging and having the conversations that matter within the debt review industry.

This year’s theme, “Don’t Drop the Ball,” was a fitting reminder that while we may represent different parts of the industry, ultimately we share a responsibility towards the same consumer.

There were insightful presentations, robust discussions and some important conversations around where we can do better — not only individually, but collectively as an industry.

For me, events like these are also about the people behind the emails and telephone calls — reconnecting with familiar faces, building new relationships and creating opportunities for better collaboration going forward.

Thank you to DCASA and everyone involved for another valuable conference. Now, as always, the important part is taking the conversations back into the work we do every day.

20/08/2026

Shaun Zeelie from Master Your Money - Debt Counselling had the privilege of attending the Credit Association of South Africa (CASA) Eastern Cape Roundtable in Gqeberha yesterday — an opportunity to engage, connect and learn.

Great conversations, new connections and valuable industry stakeholders came together around the table. Importantly, there was also space for meaningful, collaborative and, at times, tough conversations about our industry and the way forward.

Thank you to CASA for having me as a guest. I truly value the opportunity to engage with others across the credit industry and look forward to many more collaborative conversations in future.

02/08/2026

This August, Master Your Money is giving you the opportunity to get a clear view of your credit profile.

Your report can help you check the accounts and balances recorded in your name, your payment history, and any listings that may need attention.

No cost. No pressure. Just information.

To request your free, obligation-free credit report, send us a WhatsApp on 072 499 0092.

Please share this post with a friend or family member who may also benefit from knowing what is recorded in their name.

29/07/2026

Save or pay off debt first? There is no one-size-fits-all answer—but the interest rate matters.

If your debt is costing you more in interest than your savings could earn, paying down that debt will usually make better financial sense. At the same time, having no safety net at all can leave you relying on credit again when life happens.

A practical starting point is often to build a small emergency buffer first, then focus on reducing high-interest debt.

Not sure where to start? Master Your Money - Debt Counselling can help you look at the bigger picture and work towards a plan that makes sense for your circumstances.