Annexure B
    7.2.3
    Annexure B
    p. 43

    Alcoholic beverages

      Alcoholic beverages. Reduce but not suspend.

    NDRC Practice NoteLast reviewed 2026-04

    What this means in practice

    Alcohol is excluded from the permitted expense list. Where the bank statements show recurring liquor spend, the debt counsellor records this and treats it under the addictive-behaviour protocol in paragraph 11.

    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 7.2.3: Alcoholic beverages. Guideline 001/2015 (Debt Review Task Team Agreements 2010), p. 43.

    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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    7.2.2 Garden services
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    7.2.4 Tobacco/cigarettes
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    Based on NCR Guideline 001/2015, p. 43. For NDRC's interpretation and application, see our debt counselling overview. Download original PDF.