Annexure B
    8.6
    Annexure B
    p. 45

    Make sure that all expenditure

      Make sure that all expenditure is realistic in terms of size of household, number of dependants and income bracket.

    NDRC Practice NoteLast reviewed 2026-04

    What this means in practice

    Every expense line on the worksheet must be supported by a primary source: bank statement, invoice, receipt, lease, school fee schedule or municipal account. Unsupported lines are removed during creditor review.

    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 8.6: Make sure that all expenditure. 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.