u/AffectionateDream887

This is my budget.

I'm currently earning R18136.94 after tax

Support myself, another adult, 2 cats

Rent 6000

Personal loan 3045

Levy 1306

Rates 900

Faircom 399

Electricity 400

Meds 1200

Cat food 600

Cat food dry 544

Litter 300

Vet 160

Woolworths credit card 250 (handed over payment plan)

Woolworths store card 321

Discovery 150 (handed over)

Transport: 500 (I walk a lot of the time but would prefer to Uber as I have had back surgery)

Food: whatever money i have left

Good morning

I support myself, another adult and 2 pets After paying everything I have only about R2000 for food and that's ignoring my Woolworths credit card who has handed me over to Blake and associates.

I am wondering if my best option is debt review or if the bank would possibly add R160 000 to my bond and extend the bond period so that I can pay the credit card and personal loan in full.

I am extremely stressed and can't get another job because of being on disability after 2 back surgeries.

Any advice would be appreciated.

Here are my exact debts

Home loan: R628320 over 245 months 9,65% interest

Personal loan R87521 over 62 months

27. 25% interest

Woolworths Credit Card R55100 (unsure)

Woolworths store card R8170

I earn R18136.94

\+ R700 (garage rental)

Bond R5947

Personal loan R3500

Levy R1306

Rates R900 (I am behind by R2000)

Fiber R400

Electricity R600

Meds R1400

Pets R1645

Woolworths store card R500

Transport R1000

Food and toiletries R6000

Woolworths Credit card approx R4000

Good morning

I support myself, another adult and 2 pets After paying everything I have only about R2000 for food and that's ignoring my Woolworths credit card who has handed me over to Blake and associates.

I am wondering if my best option is debt review or if the bank would possibly add R160 000 to my bond and extend the bond period so that I can pay the credit card and personal loan in full.

I am extremely stressed and can't get another job because of being on disability after 2 back surgeries.

Any advice would be appreciated.

Here are my exact debts

Home loan: R628320 over 245 months 9,65% interest

Personal loan R87521 over 62 months

27. 25% interest

Woolworths Credit Card R55100 (unsure)

Woolworths store card R8170

I earn R18136.94

+ R700 (garage rental)

Bond R5947

Personal loan R3500

Levy R1306

Rates R900 (I am behind by R2000)

Fiber R400

Electricity R600

Meds R1400

Pets R1645

Woolworths store card R500

Transport R1000

Food and toiletries R6000

Woolworths Credit card approx R4000