Are you feeling overwhelmed by debt and unsure where to start? In this video, we break down how a debt review assessment works, guiding you step-by-step through the process. Learn what happens during your free assessment, what documents you’ll need, and how debt counselling can help you regain financial control.

As discussed in our recent Link FM interview, we’ll share why early intervention is key, especially before major life milestones like retirement. Discover how an assessment isn’t just about numbers—it’s about finding personalized solutions to reduce financial stress and pave the way for a debt-free future.

If you’re considering debt review or want to learn more, this video has all the answers! Don’t forget to like, share, and subscribe for more content about financial wellness and practical solutions to managing debt.

???? Visit our website for a FREE debt assessment: www.dcgsa.co.za
???? Contact us directly for assistance: 0861001047
???? Have questions? Drop them in the comments below!

Debt review can help—but it’s not for everyone! ?? Here are 7 disadvantages you need to know before signing up in South Africa.

Need help? Visit www.debtwipe.co.za or WhatsApp 078 922 2026

Are you struggling with debt in South Africa? You’re not alone.
In this video, we explain what debt review is, who qualifies, and how the process works — step by step. Debt review (also called debt counselling) is a legal way to restructure your debt and get protection from creditors, repossession, and court action.

I will also cover:
• The role of a registered debt counsellor
• How you’re protected under the National Credit Act
• How debt review can help you become debt-free

? Need help with your debt? Visit www.debtwipe.co.za or email jacques@debtwipe.co.za

???? Contact us directly via WhatsApp: 073 285 4196

???? Like, comment, and subscribe for more practical advice on debt solutions in South Africa.

This audio is brought to you by Astec Industries, a Global Leader in manufacturing equipment for infrastructure, including asphalt production, construction, and material processing, driving innovation and sustainability.

During the first half of this year, diversified mining and marketing group Glencore continued to optimise the business and position it for further value accretive growth, CEO Gary Nagle reported on Wednesday.

A review during the period has recognised opportunities to streamline the industrial operating structure of the Johannesburg- and London-listed company and support enhancement of technical expertise.

One-billion dollars worth of recurring cost-saving opportunities were identified across more than 300 initiatives against a 2024 baseline. These cost savings across operating structures are expected to be delivered by the end of 2026, with more than 50% already targeted for the end of this year.

Organisational changes already made include the creation of a single nickel/zinc department from two separate ones before, with the combined department now assuming management of the overall custom metallurgical processing assets portfolio. Optimisation and savings across headcount, energy, consumables, contractors, maintenance, and administrative functions is involved.

Morgan Stanley Research analysts stated in a note: “We believe that execution on these savings remains key given the steepness of the implied unit cost decreases, especially in copper.”

This year is expected to be the floor for copper department production volumes, which are said to be on a pathway back to one-million tons a year by 2028.

“We’ll curtail production where it makes sense,” Nagle outlined during the presentation covered by Mining Weekly. Examples where such curtailment has already taken place are in ferrochrome, copper/zinc smelting and coal.

While Glencore’s zinc and coal assets are largely operating at the required run rates to deliver full-year volumes, the company’s copper business is navigating various temporary, but largely expected, operational factors, including mine sequencing, lower grades, water constraints and cobalt stockpiling, impacting half-year production at Collahuasi, Antamina, Antapaccay and KCC, with all these operations expecting a substantial step-up in the second half of this year.

“Weak coal prices and low copper production were headwinds in the first half, but we see value at current levels,” Deutsche Bank Group analysts commented.

Half-year earnings before interest, taxes, depreciation and amortisation (Ebitda) was a 17%-lower $3.8-billion, reflecting weaker coal prices and lower copper production. Net debt to June 30 was $3.2-billion higher at $14.5-billion.

“Second half should be better,” Jefferies UK Metals & Minerals headlined in a results summary.

With healthy second-half cash flow generation leading to deleveraging, net debt is poised to reduce meaningfully by year-end.

The completion of the Viterra sale in early July brought in $900-million cash, along with 16.4% of the New York-listed Bunge shares that will be monetised for Glencore shareholders at some point in future.

Supported by the $2.63-billion value of the Bunge shareholding, Glencore announced a share buyback of up to $1-billion to be concluded by the presentation of its annual results in February next year.

The second tranche of next month’s base $0.05-a-share dividend payout will incorporate the new up to $1-billion share buyback communicated in July, taking total announced 2025 shareholder returns increases to $3.2-billion.

The completion of the Viterra sales process, the long-term marketing guidance Ebit range of $2.3-billion to $3.5-billion is also uplifted, the new midpoint of $2.9-billion representing a 16%-higher $2.5-billion.

“While there is much uncertainty around the impacts of geopolitics and trade in the shorter-term, we remain of the view that, in certain commodities, the scale and pace of required resource development will strugg…

The Dummies get to talk to experts who weigh in on wether debt review is helping or hurting consumers. They look at the tarnished reputation of debt review and how that came about. They also ask for ideas on how to repair the damage done.

Special Guests: Benay Sager, Casper Le Grange, Reinhardt Pettenburger, Tiaan Hattingh.

For more episodes, visit: www.debtreviewwithdummies.co.za

Aubrey converses with Timmy Van der Grijp, a legal advisor at the Debt counselling department at National Credit Regulator, about the do’s and don’ts of debt review and having manageable debt.

The Aubrey Masango Show is presented by late night radio broadcaster Aubrey Masango. Aubrey hosts in-depth interviews on controversial political issues and chats to experts offering life advice and guidance in areas of psychology, personal finance and more. All Aubrey’s interviews are podcasted for you to catch-up and listen.   

Thank you for listening to this podcast from The Aubrey Masango Show.  

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When you miss a payment under debt review, your protection from creditors may be withdrawn. This can lead to legal action, repossession, and blacklisting — putting your financial future at serious risk.

? Stay on track.
? Communicate with your debt counsellor immediately.
? Let us help you find a solution.

???? Don’t wait for it to get worse — contact Gauteng Debt Counselling today for expert help.

???? www.gautengdebtcounselling.co.za

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This video shares information gathered from publicly available sources and user feedback. I haven’t personally used or endorsed the app—just providing a summary for you.

🙂 AES Student Loans is a mobile app that allows borrowers to manage their student loan accounts directly from their phones. This video explains how users can log in securely, check loan balances, schedule payments, and upload documents. It also covers the app’s main features, pros and cons, and recent user feedback, helping viewers decide if it’s reliable for mobile loan management.

This is not a commercial or paid promotion, but an informational video. If you have any copyright concerns or other inquiries, please email: TUTORIALLOREBIZ@GMAIL.COM

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Hey friends, in today’s short video I break down Upgrade Loans—the good, the bad, and the fine print! We’ll cover interest rates, eligibility, repayment terms, and whether it’s the right fit for your needs.

Don’t forget to LIKE, SUBSCRIBE, and hit the bell icon for more easy tutorials! ?????

Got questions? Drop a comment! ????

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