Now’s the Time to Reflect on Your Spending and Saving Habits.
If your answer’s “not really,” you’re not alone. Many people in similar situations consider options like debt review (or debt counselling) and Debt Rescue to regain financial stability.
Mid-year is the perfect time to stop, breathe and check if your finances are working for you or quietly working against you.
The good news? You’ve still got six months to turn things around. Whether your budget’s been derailed by rising costs, unexpected expenses or just life happening, now is your chance to reset.
Are my finances working for me — or quietly working against me? How Debt Rescue can help.
The good news? You still have six months left in 2025 to make real, lasting changes. Whether your budget has been thrown off by rising costs, unexpected expenses, or just life, this is your opportunity to reset — before financial pressure becomes financial crisis.
Why a Mid-Year Money Check is Non-Negotiable
Let’s be real, June isn’t easy. You’re tired, the bills don’t stop and making ends meet feels harder than ever. But ignoring your finances now? That’s how small money problems snowball into big financial stress.
Currently in South Africa:
– Inflation is sitting at 5.4%, so essentials like food, fuel and school fees are costing more.
– The repo rate is holding steady at 8.25%, keeping loans and repayments high.
– The average South African household owes around 75% of their income to debt.
A quick financial check-in can help you avoid long-term consequences — and if you’re feeling overwhelmed by debt, now might be the right time to consider debt review with Debt Rescue.
Your 5-Step Mid-Year Financial Health Checklist from Debt Rescue
Grab your bank statement, take 10 minutes and get honest with yourself:
1. Are you still working toward your money goals?
Remember those financial goals you set in January?
- Are you making progress?
- Has your situation changed?
Adjusting your goals keep you focused for the rest of the year.
2. Are you living within your means?
Expenses have a sneaky way of creeping up. Time for a quick reality check:
- Are you spending more than you earn?
- Have your monthly costs gone up; groceries, petrol, school fees?
If your spending’s running away from you, it’s time to tighten things up.
3. What’s happening with your debt? Is debt review the answer?
Debt can quietly spiral if you’re not watching it:
- List all your current debts: credit cards, loans, store accounts.
- Are your balances going down or getting higher?
Heads up: If your monthly debt repayments are taking up more than 30% of your income, it’s a red flag.
Don’t wait until it’s too late — debt review through Debt Rescue can reduce your instalments and protect your assets.4. Do You Have an Emergency Fund?
If your income disappeared tomorrow, could you cover the basics for 1 to 3 months?
- If not, don’t stress but start small.
- Even saving a little each month builds financial breathing room.
This is exactly why it’s so important to act early. If you’re feeling the pressure, consider your legal right to access debt review before legal action is taken against you or your vehicle.5. Have you checked your credit score?
Your credit score can impact loans, interest rates even job prospects.
Check yours for FREE through Debt Rescue: Free Credit Report
The Bottom Line? Mid-Year is Your Wake-Up Call
You can’t control petrol prices or repo rates but you can control your money mindset.
Take 30 minutes this week. Check your financial health. And if you’re feeling overwhelmed? That’s exactly what Debt Rescue is here for.
There are six months left in 2025. It’s not too late to take back control — and if debt is holding you back, debt review might be your best first step.
Need help? Speak to the financial relief experts at Debt Rescue