Mustafa Mohammed Refer Financial Help 038-001-2700 email[at]


“To contract new debt is not the way to pay old ones.”

The good, the bad and the ugly (with apologies to Clint Eastwood!)

There are good debts, bad debts and downright ugly debts :

» Good debts enable you to get ahead in life, whether it’s to buy a home or enable you to invest property or shares. The key here is not to borrow more than you can afford.

» Bad debts are debts that are not tax deductible and are used for buying things that you either consume or depreciate in value. Examples of these include credit cards and personal loans. If these debts are kept under control, they could simply be an expensive way for you to live.

» Ugly debts are those that get out of control. This can happen for a variety of reasons including unexpected health problems or the loss of your job.

We can help you with debt management strategies to help you get ahead or get you out of trouble. We can advise you on :

» How much can you afford to borrow without getting into financial trouble.

» Paying off your debts as soon as possible

» Structuring your borrowings so you can maximise any tax deductions

» Financial strategies to get you out of trouble if your debts are out of control