[zoe]

1) I’m not aware of any institutions that help but ask bank if they can please help either with a restructure of the term or lower interest rate or give you a few months holiday. 2) as I financial coach, I recommend a good hard look at budget and keep a daily money diary so you can really see where you spend and cut and shave on that budget to free up a few Xtra Rands. 3) then I suggest a debt busting approach using what’s called the “snowball method” google it 4) have you tried to claim SASSA grant or UIF for income?