A Guide On How To Get Out Of Debt.

Get out of debt on your own.

There are plenty of organisations out there willing to help you. But what if you’re the do-it-yourself type who likes to handle things all by yourself?

You’ll be happy to know that if you stay organised, diligent, and put in the grit, you will become debt-free with a DIY debt management plan.

Tally up your debt to know where you stand

Although the concept of being in debt can be disheartening, it's important to understand that you have to keep moving forward if you want to get out of debt. And although it may seem overwhelming, rest assured that there is a way out. Start by listing all of your debts on paper including your student loan, car loan, home mortgage, department store credit card, and any others for good measure too.

Get rid of bad financial habits

Instead of blaming money, we need to start taking responsibility for our spending habits. As long as you’re spending more than you make, and not putting away any money at all, you can never get your finances in order. Unfortunately, most of us live beyond our means. Our budgeting skills aren’t working for us when we don't put any thought into how we're spending our income and that's why many people find themselves in debt.

You need to have a lot of discipline

If you’ve tried and tried and tried to cut down on your spending that seems like it consumes you at times, but can’t find a way to free up enough money to pay off your debt. Perhaps you should take a look at alternative ways to make additional income. After all, if you’re drowning in debt, then getting yourself out of this financial hole is going to require you having some extra funds on hand.

Consider debt counselling

If you are drowning in debt, you’re facing a situation which can have close to fatal consequences if it isn’t handled correctly. Debt counselling is the right way to address your debts in situations where bankruptcy is not an option.

So, you have a debt problem? You're not alone. Debt is a common problem among many people around the world. And, it can be difficult to get out of debt. However, through some self-discipline and dedication, you can get out of debt. We're here to help with that. Contact Credit Health for helpful advice on how you can get out of debt.


  • 10 common credit score myths.
  • 5 ways to pay your credit card debt.
  • 8 most common credit terms.
  • A Guide On How To Get Out Of Debt.
  • Blacklisting, is it still a thing?
  • Breaking Bad Debt.
  • Build Your Credit Score While You’re Young
  • Can I Get A Loan While Under Debt Review?
  • Can Your Credit Score Affect Your Job?
  • Check Your Credit Report For Signs Of Fraud
  • Common myths about debt review.
  • Debt Management Tips.
  • Debt Review Is A Good Idea.
  • Default, Judgement, Sequestration.
  • Disputing Errors on Credit Reports
  • Free VS Paid Credit Reports.
  • Frequently Asked Questions about Debt Review.
  • Get your credit report before applying for a loan.
  • Get Your Credit Score Back On Track
  • Good Debt Can Build Your Credit Score.
  • Hard VS Soft Inquiries On Your Credit Report.
  • Have I Been Blacklisted?
  • How do I get late payment entries removed?
  • How Do I Manage My Debt When I Am Unemployed?
  • How do I read my credit report?
  • How is your credit score calculated?
  • How Is Your Credit Score Weighted?
  • How Long Does Debt Review Last?
  • How To Calculate Your Debt-To-Income Ratio.
  • How To Clear Your Name At Credit Bureaus.
  • How To Improve Your Credit Score After Debt Review.
  • How To Qualify For New Credit With No Credit Score.
  • How To Reduce And Eliminate Debt.
  • Judgements, Administrations and Listings
  • Online Shopping – Just (don't) add to cart!
  • Teaching Children Good Money Sense.
  • The Best Way to Manage your Store Credit Card Account
  • The Pros And Cons Of Debt Counseling.
  • Things You Don't Want To See On Your Credit Report.
  • Tricks To Help You Save While Paying Off Debt
  • Understanding a credit report in South Africa.
  • Understanding Debt Consolidation Loans in South Africa
  • Vehicle instalments driving you to despair
  • Warning Signs You Could Be Heading for Financial Disaster
  • What Affects Your Credit Score?
  • What are credit bureaus and how do they work?
  • What causes credit card debt?
  • What do credit bureaus know about me?
  • What Effect Does Your Credit Report Have On Your Interest Rates?
  • What Happens To Your Credit When You Get Married?
  • What Happens When I Skip A Debt Payment?
  • What Happens When You're Debt Free?
  • What is a credit score?
  • What is a credit utilization rate?
  • What Is A Decent Credit Score To Buy A Car?
  • What Is A Good Credit Score If You Want To Buy A House?
  • What Is A Hard Inquiry And How Does It Affect Your Credit Report?
  • What Is A Soft Inquiry And How Does It Affect Your Credit Report?
  • What Is Considered A Bad Credit Score?
  • What is considered a good credit score?
  • What Is Debt Administration?
  • What Is Debt Counseling?
  • What Is Debt Review?
  • What’s the difference between your credit score and your credit report?
  • Which Type Of Credit Carries The Most Risk?
  • Why Debt Counseling Is Perfect For You.
  • Why Did My Credit Score Go Down?
  • Will checking my credit report affect my credit score?
  • Your Best Defence Against Identity Theft Is Your Credit Report
  • Your Credit Score: The Basics.
  • Show More

    Check for arrears accounts

    modal-close

    In order to help you on your way to Credit Health, we've teamed up with Transaction Capital Recoveries and MBD Inc. By selecting continue, you give consent that we may check for any arrear accounts on your behalf.

    Check for arrears accounts

    modal-close

    In order to help you on your way to Credit Health, we've teamed up with Transaction Capital Recoveries and MBD Inc. By selecting continue, you give consent that we may check for any arrear accounts on your behalf.

    modal-close

    Report Download

    modal-close

    Funeral Cover Application

    modal-close

    You will be redirected shortly to complete the signup process

    If you are not redirected, click here.