Annexure B
    8.2
    Annexure B
    p. 45

    Any available cash resources, bonuses or thirteenth cheques

      Any available cash resources, bonuses or thirteenth cheques should also be applied in reduction of debts.

    NDRC Practice NoteLast reviewed 2026-04

    What this means in practice

    Cash on hand at the start of debt review, annual bonuses and thirteenth cheques are applied as lump-sum reductions to the debt. They do not get spread into monthly income because that would understate the rearrangement burden.

    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 8.2: Any available cash resources, bonuses or thirteenth cheques. Guideline 001/2015 (Debt Review Task Team Agreements 2010), p. 45.

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    Based on NCR Guideline 001/2015, p. 45. For NDRC's interpretation and application, see our debt counselling overview. Download original PDF.