Books Published by Jillian Howard



If you are one of the more than 5 million South Africans who are deeply in debt, or have no debt and would like to stay debt-free, this is the book for you …

Figures from the National Credit Regulator (NCR) Credit Bureau Monitor show that more than 9.5 million consumers have impaired records, as they have fallen behind on credit repayments. And this figure is bound to increase as many more consumers turn to credit to survive rising food and fuel costs. A bleak picture indeed. But much-needed and timeous help is now at hand with this useful guide to eliminating personal debt. This condensed but highly informative book:

Will assess the extent of your debt;

Help you draw up a budget;

Show you how to stick to your budget; and

Provide you with options on how to best pay off your debt.


It is essential reading for each and every South African who finds him- or herself trapped in debt, whether you are just starting out, are in mid-career or facing retirement. Because it is possible to live a debt-free life, and live it well!