Annexure B
    8.5
    Annexure B
    p. 45

    Consider whether the consumer

      Consider whether the consumer is able to find part time income or some other means to supplement income, if expenses cannot be reduced.

    NDRC Practice NoteLast reviewed 2026-04

    What this means in practice

    Where expenses cannot be reduced further, the next step is supplementary income: part-time work, freelance income or rental of a spare room. The proposal narrative explains what was attempted before concluding the consumer is over-indebted.

    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 8.5: Consider whether the consumer. 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.