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		<title>My Debt Hero</title>
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			<title>Best credit card in South Africa (2026 review)</title>
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			<title>Home</title>
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			<title>Best savings accounts in South Africa (Unlock more money)</title>
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			<title>Can you go to jail for debt in SA? No, but read this</title>
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			<title>Average salary in South Africa 2026 (what most people earn)</title>
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			<guid><![CDATA[https://mydebthero.co.za/blog/how-to-get-out-of-debt-south-africa/]]></guid>
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			<title>Sick of debt? Use these strategies to get out of debt faster</title>
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			<title>How to build a strong credit score (with simple checklist)</title>
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			<title>Best way to save money in South Africa (do these 3 things)</title>
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			<title>What is a good credit score in South Africa (+ examples)</title>
			<pubDate><![CDATA[Thu, 02 Jul 2026 08:59:48 +0000]]></pubDate>
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			<guid><![CDATA[https://mydebthero.co.za/blog/debt-consolidation-south-africa/]]></guid>
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			<title>Debt consolidation — What South Africans need to know</title>
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			<title>How long does debt review last? (The honest answer)</title>
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			<guid><![CDATA[https://mydebthero.co.za/blog/how-to-claim-uif-online/]]></guid>
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			<title>How to claim UIF online: Step-by-step guide (2026)</title>
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			<title>10 Best Debt Review Companies in South Africa (2026)</title>
			<pubDate><![CDATA[Tue, 02 Jun 2026 13:10:53 +0000]]></pubDate>
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			<guid><![CDATA[https://mydebthero.co.za/blog/what-to-do-when-you-get-summons-for-debt/]]></guid>
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			<title>What to do when you get a summons for debt in South Africa</title>
			<pubDate><![CDATA[Thu, 02 Jul 2026 09:23:29 +0000]]></pubDate>
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			<title>This is what actually happens when a car is written off</title>
			<pubDate><![CDATA[Wed, 29 Apr 2026 13:06:45 +0000]]></pubDate>
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			<guid><![CDATA[https://mydebthero.co.za/blog/top-20-investment-companies-south-africa/]]></guid>
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			<title>Top 20 investment companies in South Africa (in 2026)</title>
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			<title>Explained: How tax-free savings accounts work</title>
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			<title>Being blacklisted in South Africa (what you need to know)</title>
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			<title>Loans for people under debt review (Read this first)</title>
			<pubDate><![CDATA[Wed, 29 Apr 2026 12:20:28 +0000]]></pubDate>
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			<guid><![CDATA[https://mydebthero.co.za/blog/how-to-check-if-you-are-blacklisted/]]></guid>
			<link><![CDATA[https://mydebthero.co.za/blog/how-to-check-if-you-are-blacklisted/]]></link>
			<title>How to check if you are blacklisted (+ what to look for)</title>
			<pubDate><![CDATA[Wed, 29 Apr 2026 12:20:21 +0000]]></pubDate>
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			<guid><![CDATA[https://mydebthero.co.za/blog/best-budgeting-apps-south-africa/]]></guid>
			<link><![CDATA[https://mydebthero.co.za/blog/best-budgeting-apps-south-africa/]]></link>
			<title>The best budgeting apps to use in South Africa</title>
			<pubDate><![CDATA[Tue, 02 Jun 2026 07:45:51 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://mydebthero.co.za/blog/12-investments-that-pay-monthly/]]></guid>
			<link><![CDATA[https://mydebthero.co.za/blog/12-investments-that-pay-monthly/]]></link>
			<title>12 Investments that pay monthly income in South Africa</title>
			<pubDate><![CDATA[Mon, 01 Jun 2026 14:06:09 +0000]]></pubDate>
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			<link><![CDATA[https://mydebthero.co.za/support/]]></link>
			<title>Support</title>
			<pubDate><![CDATA[Mon, 01 Jun 2026 11:38:25 +0000]]></pubDate>
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			<link><![CDATA[https://mydebthero.co.za/blog/buying-a-car-under-debt-review/]]></link>
			<title>How to buy a car under debt review (4 solutions)</title>
			<pubDate><![CDATA[Wed, 01 Apr 2026 14:18:16 +0000]]></pubDate>
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			<guid><![CDATA[https://mydebthero.co.za/blog/does-debt-expire-south-africa/]]></guid>
			<link><![CDATA[https://mydebthero.co.za/blog/does-debt-expire-south-africa/]]></link>
			<title>Does debt expire in South Africa? Sometimes, yes (Read this)</title>
			<pubDate><![CDATA[Tue, 02 Jun 2026 07:59:42 +0000]]></pubDate>
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			<guid><![CDATA[https://mydebthero.co.za/blog/behind-on-car-payments-what-to-do/]]></guid>
			<link><![CDATA[https://mydebthero.co.za/blog/behind-on-car-payments-what-to-do/]]></link>
			<title>Can&#8217;t afford your car payment? Falling behind? (Try this)</title>
			<pubDate><![CDATA[Wed, 01 Apr 2026 13:30:00 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://mydebthero.co.za/blog/home-loan-pre-approval/]]></guid>
			<link><![CDATA[https://mydebthero.co.za/blog/home-loan-pre-approval/]]></link>
			<title>Home loan pre-approval (What it is + why it matters)</title>
			<pubDate><![CDATA[Wed, 04 Feb 2026 13:19:18 +0000]]></pubDate>
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			<guid><![CDATA[https://mydebthero.co.za/thanks/]]></guid>
			<link><![CDATA[https://mydebthero.co.za/thanks/]]></link>
			<title>Thank You</title>
			<pubDate><![CDATA[Thu, 12 Mar 2026 15:05:10 +0000]]></pubDate>
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			<guid><![CDATA[https://mydebthero.co.za/privacy-policy/]]></guid>
			<link><![CDATA[https://mydebthero.co.za/privacy-policy/]]></link>
			<title>Privacy Policy</title>
			<pubDate><![CDATA[Thu, 12 Mar 2026 15:02:52 +0000]]></pubDate>
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			<guid><![CDATA[https://mydebthero.co.za/blog/best-paying-jobs-in-south-africa/]]></guid>
			<link><![CDATA[https://mydebthero.co.za/blog/best-paying-jobs-in-south-africa/]]></link>
			<title>These South African jobs pay the best (+ each sector)</title>
			<pubDate><![CDATA[Wed, 04 Feb 2026 12:46:16 +0000]]></pubDate>
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			<guid><![CDATA[https://mydebthero.co.za/debt-review-calculator/]]></guid>
			<link><![CDATA[https://mydebthero.co.za/debt-review-calculator/]]></link>
			<title>Debt review calculator</title>
			<pubDate><![CDATA[Thu, 12 Mar 2026 15:01:05 +0000]]></pubDate>
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			<guid><![CDATA[https://mydebthero.co.za/blog/]]></guid>
			<link><![CDATA[https://mydebthero.co.za/blog/]]></link>
			<title>Blog</title>
			<pubDate><![CDATA[Thu, 12 Mar 2026 14:59:19 +0000]]></pubDate>
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			<guid><![CDATA[https://mydebthero.co.za/assessment/]]></guid>
			<link><![CDATA[https://mydebthero.co.za/assessment/]]></link>
			<title>Assessment</title>
			<pubDate><![CDATA[Thu, 12 Mar 2026 14:56:19 +0000]]></pubDate>
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			<guid><![CDATA[https://mydebthero.co.za/blog/grocery-shopping-tips-south-africa/]]></guid>
			<link><![CDATA[https://mydebthero.co.za/blog/grocery-shopping-tips-south-africa/]]></link>
			<title>How to hack your grocery list to save money in South Africa</title>
			<pubDate><![CDATA[Wed, 04 Feb 2026 12:33:54 +0000]]></pubDate>
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			<guid><![CDATA[https://mydebthero.co.za/re-engage-thank-you/]]></guid>
			<link><![CDATA[https://mydebthero.co.za/re-engage-thank-you/]]></link>
			<title>Thank you – Re-engage</title>
			<pubDate><![CDATA[Thu, 12 Mar 2026 13:07:52 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://mydebthero.co.za/blog/what-happens-if-debt-review-is-terminated/]]></guid>
			<link><![CDATA[https://mydebthero.co.za/blog/what-happens-if-debt-review-is-terminated/]]></link>
			<title>This is what happens when debt review is terminated</title>
			<pubDate><![CDATA[Tue, 10 Feb 2026 13:33:00 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://mydebthero.co.za/blog/how-many-major-credit-bureaus-are-in-sa/]]></guid>
			<link><![CDATA[https://mydebthero.co.za/blog/how-many-major-credit-bureaus-are-in-sa/]]></link>
			<title>How many major credit bureaus are in South Africa?</title>
			<pubDate><![CDATA[Thu, 05 Feb 2026 14:35:23 +0000]]></pubDate>
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			<guid><![CDATA[https://mydebthero.co.za/blog/how-long-after-debt-review-can-i-buy-a-house/]]></guid>
			<link><![CDATA[https://mydebthero.co.za/blog/how-long-after-debt-review-can-i-buy-a-house/]]></link>
			<title>How long after debt review can I buy a house? (Answered)</title>
			<pubDate><![CDATA[Thu, 05 Feb 2026 14:05:47 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://mydebthero.co.za/blog/how-does-debt-consolidation-work/]]></guid>
			<link><![CDATA[https://mydebthero.co.za/blog/how-does-debt-consolidation-work/]]></link>
			<title>How does debt consolidation work? (and is it a good idea?)</title>
			<pubDate><![CDATA[Wed, 04 Feb 2026 13:50:06 +0000]]></pubDate>
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			<guid><![CDATA[https://mydebthero.co.za/blog/how-do-credit-cards-work-in-south-africa/]]></guid>
			<link><![CDATA[https://mydebthero.co.za/blog/how-do-credit-cards-work-in-south-africa/]]></link>
			<title>How do credit cards work in South Africa? (An inside guide)</title>
			<pubDate><![CDATA[Wed, 04 Feb 2026 13:29:17 +0000]]></pubDate>
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			<guid><![CDATA[https://mydebthero.co.za/blog/what-is-emergency-fund-savings/]]></guid>
			<link><![CDATA[https://mydebthero.co.za/blog/what-is-emergency-fund-savings/]]></link>
			<title>What is emergency fund savings? (+ how to grow yours fast)</title>
			<pubDate><![CDATA[Wed, 04 Feb 2026 12:23:55 +0000]]></pubDate>
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			<guid><![CDATA[https://mydebthero.co.za/blog/easy-monthly-savings-plan/]]></guid>
			<link><![CDATA[https://mydebthero.co.za/blog/easy-monthly-savings-plan/]]></link>
			<title>Follow this easy monthly savings plan (try it out)</title>
			<pubDate><![CDATA[Wed, 04 Feb 2026 12:11:19 +0000]]></pubDate>
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			<guid><![CDATA[https://mydebthero.co.za/blog/debt-review-versus-blacklisted/]]></guid>
			<link><![CDATA[https://mydebthero.co.za/blog/debt-review-versus-blacklisted/]]></link>
			<title>What is the difference between debt review and blacklisted?</title>
			<pubDate><![CDATA[Wed, 04 Feb 2026 11:21:17 +0000]]></pubDate>
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			<guid><![CDATA[https://mydebthero.co.za/blog/default-judgement/]]></guid>
			<link><![CDATA[https://mydebthero.co.za/blog/default-judgement/]]></link>
			<title>What is a default judgement and how does it work?</title>
			<pubDate><![CDATA[Wed, 04 Feb 2026 11:15:05 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://mydebthero.co.za/blog/what-happens-if-i-miss-debt-review-payment/]]></guid>
			<link><![CDATA[https://mydebthero.co.za/blog/what-happens-if-i-miss-debt-review-payment/]]></link>
			<title>What Happens If You Miss, Stop, or Can’t Pay Your Debt Review Payment?</title>
			<pubDate><![CDATA[Tue, 27 Jan 2026 13:10:06 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://mydebthero.co.za/blog/debt-review-clearance-certificate/]]></guid>
			<link><![CDATA[https://mydebthero.co.za/blog/debt-review-clearance-certificate/]]></link>
			<title>How to Get a Debt Review Clearance Certificate in South Africa (+ FAQs) </title>
			<pubDate><![CDATA[Tue, 03 Feb 2026 10:49:50 +0000]]></pubDate>
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			<guid><![CDATA[https://mydebthero.co.za/blog/how-debt-review-works/]]></guid>
			<link><![CDATA[https://mydebthero.co.za/blog/how-debt-review-works/]]></link>
			<title>How debt review (debt counselling) works [full breakdown]</title>
			<pubDate><![CDATA[Thu, 05 Feb 2026 13:45:42 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://mydebthero.co.za/blog/choosing-best-debt-review-company-south-africa/]]></guid>
			<link><![CDATA[https://mydebthero.co.za/blog/choosing-best-debt-review-company-south-africa/]]></link>
			<title>Choosing the right debt review company to help you</title>
			<pubDate><![CDATA[Fri, 30 Jan 2026 07:13:27 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://mydebthero.co.za/blog/credit-score-credit-card-south-africa/]]></guid>
			<link><![CDATA[https://mydebthero.co.za/blog/credit-score-credit-card-south-africa/]]></link>
			<title>Credit scores and credit cards — how to get your card</title>
			<pubDate><![CDATA[Fri, 09 Jan 2026 11:50:16 +0000]]></pubDate>
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			<guid><![CDATA[https://mydebthero.co.za/blog/clever-ways-to-save-money/]]></guid>
			<link><![CDATA[https://mydebthero.co.za/blog/clever-ways-to-save-money/]]></link>
			<title>10 Clever ways to save money (must know money-hacks)</title>
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