Agreed- Some consumers have to grow up -I believe that only 25% of the debtors on debt counselling are actually paying. This is creating a frightening iceberg,A potentially good system being abused by consumers taking a chance

All credit users are grown up consumers that must take responsibility for their own actions. Stop putting the blame on the credit providers. What is now happening is that people make debt, run for debt review, and think everything is OK. The debt counsellor is another link in the chain that now also have to make money from you. Grow up and make wise decisions, not on impulse!

Very familiar... here is the seed...sowing in famine,yes Dr Joe. Here is the seed Malachi 3:1. I am the Lord,and i do not change. Malachi 3:10...Bring all into the storehouse,so there will be food in my house. if you do, see if I won't open the windows of heaven for you. I will pour out a blessing so great you won't have enough room to take it in! Try it! Put me to the test! Your crops will be abundant, for i will guradthem from INSECTS & DISEASE. Your grapes will not fall from the vinebefore they are ripe. The good news is that GOD wants you to prosper,even during severe economic depressions. GOD does not change. The world will tell you,you are spewing GOD rubbish. The proof of the pudding is in the tasting. Have you tested GOD and His promises?

No we don't need professional advice, we need wise men.

Well said Mark, you see the invisible. U see more than 3 dimensional. People,there is more to anything than what meets the eye. It's not only x,y,z...there's sigma, the alpha, the omega,the thetor,the chi,blah,blah,blah A slave to my appetite. A slave to my void. A slave to my desire. A slave to my salary/income. A slave to my wants and wants not. Simple interest/compound interest...bank charges/no bank charges...they are out to catch you...wake up and smell the coffee. Why change your phone,when your old one is working?

Well Nikelwa Goxo, very few people - I mean very - will understand what you have just said. This is superior truth, need I say that requires Spiritual sharpness to grasp. I do get you. Sowing in Famine... does that sound familiar. Genesis again!

The time to penalize those who tempted people into committing themselves to the acquiring of unaffordable luxuries, while knowing full well that the clients could barely afford it, has arrived. A thorough examination of the purchaser's creditworthiness status at the time of the transaction should be instituted by law. If it is then found that positive creditworthiness was not apparent at the time of the transaction, and that the financier or lender was aware of this, then the latter must be penalized for his or her having approved of the loan. I am not opting for unfair treatment, but definitely for, at very least, the sharing of the negative effects brought about by the risk-laden transaction. The rich, cruelly exploitative minorities have, since time immemorial, been living like kings in the lap of luxury off the sweat and toil of the majorities, who are expected to live on faith, hope and charity! This time has reached its apex. The time to live and let live has arrived: and if you don't believe it, then you are that fool that believes there is no GOD!!! - Extend the act limit to 120 days!

Still on Genesis 41, go read it. And Joseph told Pharaoh,that Egypt would enjoy 7 years of great abundance,followed by 7 years of famine. He told Pharaoh. Remember Joseph was a lowly, but wise and humble person. A prisoner, falsely accused, by Pharaor's dubious wife. What did he mean? Save during the good years,so that people would have food during lean years. But our politicians and economic wise people don't read the Word. So, they have missed the whole point, You actually need to save for the lean years! Our leaders should have been telling the nation to stop borrowing and start saving. The government should have put its own house in order.blah,blah,blah... Robert, South Africa will tell you...we don't want to hear your god rubbishxxxxxChickens are coming home to roost.... we can still learn from Joseph's economic management system.Here comes the fry

We need a Joseph to manage the economy of the country...alll politicians and those in charge of the Reserve bank should be made to read Genesis 41,before taking office. The economic famine that grips the nation could have been avoided if those in charge had the humility to learn from Joseph. Pharaoh had had a dream of seven fat cows being eaten by seven lean cows. None of Pharaoh's wise men could tell him what the dream meant, But Joseph could. Now, the fat cows have been eaten. The lean years and debt are here. All credit goes to Robert Morley, a brother in Christ. South Africa,wake up! Let him who has ears, hear...him who has eyes see. They have eyes, they look but they don't see. They listen, but they don't hear.

Mark, well said. I also wish people could realize that Credit Cards are no different from Loan Sharks. They just do it legally. But credit cards are bad bad news. This is the most expensive way of loaning money, unless of course you can pay all of it before you are wagged with their ungodly interest rates. Come on people wake up and dump them credit cards. Please. This is money you don't have.