Annexure B
    7.2.9
    Annexure B
    p. 43

    Tithes / donations

      Tithes / donations. Reduce but not suspend.

    NDRC Practice NoteLast reviewed 2026-04

    What this means in practice

    Tithes and donations are excluded from the affordability calculation as discretionary. The consumer remains free to give from any surplus, but the figure cannot reduce creditor distribution.

    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 7.2.9: Tithes / donations. 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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    Based on NCR Guideline 001/2015, p. 43. For NDRC's interpretation and application, see our debt counselling overview. Download original PDF.