Getting personal debt under control

Consumers usually start every year with higher debt levels following a free-spending holiday season, with 2022 bringing more challenges than usual. “We are facing higher inflation, rising electricity, petrol and food prices, and higher interest rates,” says Tonia Pavlou, deputy CFO at credit provider RCS.

There are small but significant steps that can be taken towards improving your financial position. Read: Turn off the debt tap and start mopping up your lifestyle New debt When considering new debt, people should be conscious about what they are taking on, understand the need for it, and understand the repayment obligations. New debt should be considered while taking into consideration other commitments and income.

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