Annexure B
    7.1.11
    Annexure B
    p. 41

    Transport (public transport and/or reasonable running expenses

      Transport (public transport and/or reasonable running expenses of vehicle including fuel & maintenance).

    NDRC Practice NoteLast reviewed 2026-04

    What this means in practice

    Transport is permitted at the lower of public-transport cost or reasonable vehicle running expenses. Vehicle running cost is fuel plus maintenance plus licensing, not the full instalment, which sits on the debt side.

    Where it goes wrong

    Treating the vehicle instalment as a transport expense double-counts the debt. Credit providers reject this on sight.

    Drawn from NDRC's active case work. For your situation, see our debt counselling overview.

    Cite this clause

    National Credit Regulator. (2015). Annexure B — Debt Review Assessment Guidelines, clause 7.1.11: Transport (public transport and/or reasonable running expenses. Guideline 001/2015 (Debt Review Task Team Agreements 2010), p. 41.

    Related clauses

    7.1
    Annexure B
    Required Expenses
    7.1.1
    Annexure B
    Rental, where no bond
    7.1.2
    Annexure B
    Debt Counsellors could ask the following questions
    7.1.3
    Annexure B
    Groceries (food, toiletries, cleaning materials) - groceries
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    Based on NCR Guideline 001/2015, p. 41. For NDRC's interpretation and application, see our debt counselling overview. Download original PDF.