South Africa’s largest debt management company, DebtBusters, says they have seen an increase of 41% in the number of people who want to undertake debt counselling. Many consumers are battling to make ends meet due to the high cost of living. There has also been a rampant increase in payday loans as consumers try to supplement their salaries.

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Analysis by Sky News suggests that one in ten of the UK’s poorest households are getting into debt – just to finance day-to-day life.

Working families are running out of money every month with a lack of affordable housing, combined with high interest loans – often from illegal loan sharks – meaning they are in a permanent struggle to survive.

Sky’s Sally Lockwood has this special report on the latest in our ‘New Lines’ series – examining life in Britain in 2019.

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South Africans living to pay off debt
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Johannesburg, 24 April 2014 — Most South Africans are in debt because they are living above their means. A recent survey by Momentum indicated that many South Africans have not taken advantage of low interest rates to reduce their exposure to debt.

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Thomas Jefferson famously wrote that the earth belongs to the living. His letter to James Madison is often quoted for the proposition that we should not be bound to the ‘dead hand of the past’, suggesting that the Constitution should instead be interpreted as a living, breathing document. Less well-known is Madison’s response, in which he said the improvements made by the dead – including the US Constitution – form a debt against the living, who benefit from them. In this illuminating book, Ilan Wurman introduces Madison’s concept of originalism to a new generation and shows how it has shaped the US Supreme Court in ways that are expected to continue following the death of Justice Antonin Scalia, one of the theory’s leading proponents. It should be read by anyone seeking a better understanding of originalism and its ongoing influence on the constitutional jurisprudence of the Supreme Court.

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