You South Africa

TO HELL AND BACK – MY JOURNEY OUT OF DEBT

I’M SINKING deeper and deeper into a quagmire of guilt and worry. The more I wallow in it, the tighter its grip becomes. I feel like I’m suffocating.

It’s 2017 and I’m R220 178 in the red. It’s all I can think about and it’s consuming my life. Every unknown number on my phone screen is a potential danger – either someone I owe money to or someone threatening legal action.

All three of my credit cards have been maxed out. I don’t have a cent to my name.

I go to the bank to see if they’ll give me more credit on my overdraft but they refuse – I’m too far in the red.

I have a panic attack as I walk back to the

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