Gym contracts and similar service agreements are NOT credit agreements under the National Credit Act, so they are NOT included in debt review.
You must continue paying separately:
• Gym memberships
• Cell phone contracts (the service/airtime portion)
• Insurance premiums
• Medical aid contributions
• Streaming services and subscriptions
However, if you have outstanding amounts OWED to a gym that has been handed over to a collection agency, this might be included in debt review as it becomes a credit obligation.
Tip: Cancel unnecessary subscriptions before entering debt review to free up funds for essential expenses and debt repayments. Every rand saved helps you become debt-free faster.