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We are a team of passionate people whose goal is to improve everyone's life.

Battling Debt? Victory Begins at the Altar, Not the Bank

Battling Debt? Victory Begins at the Altar, Not the Bank Struggling with debt, blacklisting, or making ends meet? When financial pressure mounts, our instinct is to panic, work harder, and force solut...

Feb 2, 2026

Sick and Tired of Being Sick and Tired? It's Time to Renew Your Financial Mindset

Sick and Tired of Being Sick and Tired? It's Time to Renew Your Financial Mindset If you're struggling with debt today, you might recognize a heavy, persistent feeling weighing on your spirit. It's th...

Jan 26, 2026

You Made It Through January: Now Let's Talk About Payday Protection

It's Friday, January 23rd, and if you're reading this, congratulations! You've officially survived 95% of what many South Africans call "the longest month of the year." Give yourself a well-deserved h...

Budgeting Tips CS Debt Counselling Financial Wellness Money Management Payday Advice Personal Finance South Africa Finance

Jan 23, 2026

The Law on Prescribed Debt in South Africa:

The Law on Prescribed Debt in South Africa:

What Section 126B Protects: Section 126B prohibits creditors from selling, continuing to collect, or reactivating debts under credit agreements that have been extinguished by prescription under the Pr...

#NCR2025 CS Clear Consumer Protection Debt Counselling Debt Help Debt Review Debt Solutions Financial Freedom Financial Wellness ITC Clearance Registered Debt Counsellor South Africa

Dec 4, 2025

Paid Your Default?

Paid Your Default?

Here's What Happens Next Congratulations on settling your debt! But if you're expecting that default to vanish from your credit report immediately, you might be surprised to learn it doesn't work quit...

#NCR2025 CS Clear Consumer Protection Debt Counselling Debt Help Debt Review Debt Solutions Financial Freedom Financial Wellness ITC Clearance Registered Debt Counsellor South Africa

Nov 10, 2025

Grace and Identity: Standing Secure in Christ

"For I know the thoughts that I think toward you, says the Lord, thoughts of peace and not of evil, to give you a future and a hope." - Jeremiah 29:11 Yesterday's church gathering at Life Church Welko...

Debt Counselling Financial Freedom Hope

Sep 22, 2025

Restoring Hope in Times of Uncertainty

"For I know the thoughts that I think toward you, says the Lord, thoughts of peace and not of evil, to give you a future and a hope." - Jeremiah 29:11 In a world where many have lost hope—where we hav...

Debt Counselling Financial Freedom Hope

Sep 16, 2025

Your Free Biblical Budget Template:

Last week, we explored the Biblical principles behind successful budgeting and why the Pey (פ) principle - every rand having an assignment - transforms finances. Today, we're giving you the practical ...

Debt Counselling Financial Freedom

Sep 8, 2025

Why Biblical Budgeting Works

As we welcome the arrival of Spring on September 1st, it's the perfect moment to refresh your financial outlook! Here at The CS Group, we're excited to celebrate our 17th anniversary this month. After...

Debt Counselling Financial Freedom

Aug 30, 2025

My Journey with CS Insure

Sweetness Ntuka

My Journey with CS Insure

By Sweetness Ntuka For more than five years, I’ve had the privilege of being part of CS Debt Counselling, and not a single day goes by without being reminded why I chose this path. When I first steppe...

Insurance Products Success Stories Sweetness Ntuka Team Stories

Aug 18, 2025

Keeping Your Debt Review

Keeping Your Debt Review

Maintain Your Payment Plan Progress If you're currently under debt review in South Africa, understanding how to protect your repayment plan is crucial for successfully completing the process. The Real...

#NCR2025 CS Clear Consumer Protection Debt Counselling Debt Help Debt Review Debt Solutions Financial Freedom Financial Wellness ITC Clearance Registered Debt Counsellor South Africa

Aug 14, 2025

Should I Consider Debt Counselling?

Should I Consider Debt Counselling?

A Compassionate Guide for Those Who Feel Overwhelmed By Janet Homann If you're reading this at 2 AM, unable to sleep because of financial worries, know that you're not alone. After 17 years of sitting...

#NCR2025 CS Clear Consumer Protection Debt Counselling Debt Help Debt Review Debt Solutions Financial Freedom Financial Wellness ITC Clearance Registered Debt Counsellor South Africa

Jul 31, 2025

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