Annexure B
    7.2.7
    Annexure B
    p. 43

    Recreation / club memberships

      Recreation / club memberships. Depending on contract - terminate.

    NDRC Practice NoteLast reviewed 2026-04

    What this means in practice

    Recurring club, gym and recreational memberships are excluded for the rearrangement period. Where the membership is paid annually in advance and cannot be cancelled, the unexpired portion is treated as a sunk cost, not a future expense.

    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 7.2.7: Recreation / club memberships. 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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    7.2.8 Children’s pocket money
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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.