“Black Tax” In South Africa: 5 Best Tips on How to Deal with It while Over-indebted

Published by The National Debt Review Center on

The term “black tax” refers to the continuous financial support that a professional or entrepreneur of color is required to provide to their family in addition to their own living expenses. It is sometimes taken on subconsciously as a form of retaliation for sacrifices made by previous generations or family members.

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Black Tax

What is Black Tax?

“Black Tax” is a term used in South Africa to describe the financial support that black South Africans are expected to provide to their extended families. This includes money for food, shelter, clothing, and education.

Black tax can be a significant financial burden, particularly for those who are already struggling to make ends meet. If you’re over-indebted, it can be difficult to cope with the additional financial pressure of black tax.

There are steps you can take to ease the burden of black tax, however. These include:

  • Communicating with your family about your financial situation and setting realistic expectations for what you can afford to contribute;
  • Finding creative ways to show your support without necessarily spending money; and

-Taking advantage of government initiatives that provide financial assistance for black taxpayers.

By taking these steps, you can help ease the financial burden of black tax while still supporting your extended family.

How does Black Tax Affect You?

“Black tax” is a term used in South Africa to describe the financial obligation that many black people feel to support extended family members. This can include giving money to family members who are unemployed, paying for school fees or medical bills, or simply helping out with day-to-day living expenses.

For many black people in South Africa, black tax is a financial reality that must be budgeted for and managed on a monthly basis. While it can be a burden, black tax can also be seen as a positive contribution to the overall well-being of extended family members.

There are a few key things to keep in mind when it comes to dealing with black tax while also trying to keep your own finances in order:

  1. Communicate with your extended family about your financial situation and what you can realistically afford to contribute each month.
  2. Try to set up a system where everyone contributes something towards shared expenses, rather than just one person shouldering the entire burden.
  3. If possible, make use of government grants or other assistance programs that can help cover the costs of education or health care for extended family members.
  4. Take advantage of technology by using online banking or other platforms to easily send money to loved ones who live far away.
  5. Seek professional financial advice if you find yourself struggling to meet your own financial obligations due to black tax commitments.

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What are the steps to getting out of black tax?

If you’re struggling with black tax in South Africa, there are steps you can take to ease the burden. First, talk to your family and explain your financial situation. They may be able to help you out financially. Second, try to cut back on your expenses. Look for ways to save money on groceries, transportation, and other necessities. Third, create a budget and stick to it. This will help you track your spending and keep your finances in order. Finally, seek out financial assistance from organizations or government programs that can help you get back on your feet. Taking these steps can help you get out of black tax and improve your overall financial situation.

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How to avoid being over indebted while dealing with Black Tax?

When it comes to Black Tax, it is important to avoid being over-indebted. This can be done by:

  1. Planning your finances carefully
  2. Tracking your spending
  3. Living within your means
  4. Prioritizing your debts
  5. Creating a budget
  6. Seeking professional help when needed


“Black tax” is a term used to describe the financial support that black South Africans often have to provide to their extended families. This can be a huge financial burden, particularly for those who are already over-indebted.

There is no easy solution to this problem, but there are some steps that you can take to try and ease the pressure of black tax. Firstly, try and open up a dialogue with your family about their financial expectations. Next, try and create a realistic budget that takes into account your own financial obligations. Finally, don’t be afraid to seek professional help if you feel like you’re struggling to cope with the financial demands of black tax.

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Welcome to The National Debt Review Center, where financial stability and integrity are our guiding principles. We strive to deliver the utmost best in customer service & act with the highest standards of integrity. We are South Africa's best Debt Counselling & Debt Review Removal Company. NCR Registration Number - NCRDC3106


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