{"id":47877,"date":"2023-11-21T05:30:11","date_gmt":"2023-11-21T03:30:11","guid":{"rendered":"https:\/\/novanews.co.za\/peoplespost\/dont-spend-if-you-cannot-afford-it-consumers-are-cautioned-ahead-of-black-friday-20231121\/"},"modified":"2025-03-19T21:53:27","modified_gmt":"2025-03-19T19:53:27","slug":"dont-spend-if-you-cannot-afford-it-consumers-are-cautioned-ahead-of-black-friday-20231121","status":"publish","type":"post","link":"https:\/\/novanews.co.za\/peoplespost\/dont-spend-if-you-cannot-afford-it-consumers-are-cautioned-ahead-of-black-friday-20231121\/","title":{"rendered":"\u2018Don\u2019t spend if you cannot afford it\u2019: Consumers are cautioned ahead of Black Friday"},"content":{"rendered":"\n

With the cost of living increasing rapidly, gone are the days of excessive spending during Black Friday sales. Instead, Annaline van der Poel, Chief Business Development Officer at Debt Rescue, advises people not to spend money on items they cannot afford. \u201cOnly spend when there is a sale on an item that you honestly need.\u201d <\/em><\/p>\n\n\n\n

\n\n\n\n

\u201cPeople are taking pay-day loans a few days after pay-day to put food on the table.\u201d So says Annaline van der Poel, Chief Business Development Officer at Debt Rescue. <\/p>\n\n\n\n

She cautions consumers to be debt-wise when heading to the shops this Black Friday (24 November). <\/p>\n\n\n\n

With the cost of living increasing rapidly, gone are the days of excessive spending during Black Friday sales. Instead, Van der Poel advises people not to spend money on items they cannot afford. \u201cOnly spend when there is a sale on an item that you honestly need. Historically, people would buy luxury items. In the last couple of years, we\u2019ve seen the trend change towards people buying groceries and household goods. <\/p>\n\n\n\n

\u201cKnow your prices and make sure that you have budgeted for it. Don\u2019t incur debt.\u201d <\/p>\n\n\n\n

She said planning and setting up a budget are crucial. <\/p>\n\n\n\n

\u201cYou cannot make any plans and know what you can afford if you haven\u2019t budgeted. Be honest and realistic with yourself. Sit down, take a couple of months\u2019 bank statements and look at what you are truly spending on items. <\/p>\n\n\n\n

Van der Poel said it was important for consumers to realise that what they spent on food and transport at the beginning of the year was not the same. <\/p>\n\n\n\n

\u201cYou might be living from pay cheque to pay cheque or even in overdraft and don\u2019t realise how bad things are and how much more expensive life is now in comparison to the beginning of the year.\u201d <\/p>\n\n\n\n

She said the sad reality is that consumers are facing difficulty.<\/p>\n\n\n\n

\u201cInflation is the one factor that affected us most in the last 18 months and we know the remedy for inflation is that the Reserve Bank has increased interest rates. <\/p>\n\n\n\n

\u201cWhat that means for us as consumers is that it affects two parts of our budget \u2013 our living expenses and our debt repayments.\u201d <\/p>\n\n\n\n

Van der Poel added that globally consumers are facing a cost-of-living crisis. <\/p>\n\n\n\n

\u201cThe relief we see now and then when things go on special is not of such a nature that it\u2019s making our lives more comfortable,\u201d she said.<\/p>\n\n\n\n

Van der Poel encouraged consumers to seek financial debt relief if they cannot cope. <\/p>\n\n\n\n

\u201cOnce they have set up that budget and see they have made all the changes they possibly can and still cannot cope, then they must seek assistance immediately. <\/p>\n\n\n\n

\u201cIf they have to incur debt to put food on the table, they must seek help immediately so they can get relief through debt counselling.<\/p>\n\n\n\n

\u201cMake sure you are not getting yourself in a debt spiral that you are not sure how you will get out of it,\u201d she concluded.<\/p>\n\n\n\n

For more information on debt counselling if things have reached a pretty pass, visit www.debtrescue.co.za <\/p>\n","protected":false},"excerpt":{"rendered":"

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