I got the privilege to conduct training with matjhabeng municipal employees who shared their different experiences when it comes to credit and savings. Gladys who has been in administration for the past 10 years shared how she ended been over indebted. She said when she started she took a lot of credit to renovate his parent's house,then some for clothing and furniture. But as time goes by she discovered that she can no longer afford her debts and a friend advised her to apply for administration of which she had no clue how this decision will affect her credit score and her life. She applied and her instalments were reStructure but she is blaming herself for taking her friend's advise cause she can't apply for credit due to that and her score doesn't allow her to apply for a house. She got the paid up letter but she still a red flag for administration that can only be cleared in 2027.