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Debt Talk with Ursula
Welcome to Debt Talk with Ursula
Honest Conversations and Practical Solutions.
Let’s face it — when you are dealing with debt, the last thing you need is more noise.
What you need is clarity, honest answers, and support that meets you where you are, not where someone thinks you should be.
That is what Debt Talk with Ursula is all about.
This blog was created to provide direct, honest, and empowering content for South Africans facing financial distress.
Whether you are experiencing sequestration, closing a business, or just trying to make sense of your budget, you are not alone. And you are not beyond hope.
As someone who has walked this road personally and professionally, I know the fear, shame, confusion, and exhaustion that often comes with money struggles.
I also know that real solutions exist — and they start with education, empowerment, and a plan.
I break down complex legal and financial topics in each blog post into human language.
You will find guidance that is compassionate, practical, and most importantly — truthful.
No jargon. No sugar-coating. Just straight talk that helps you take action and feel more in control.
What You’ll Find Inside:
- Sequestration: Strategies to navigate the legal process and start fresh.
- Business Liquidation: Guidance to close your business with integrity.
- Budgeting Tips: Create a budget you can actually stick to.
- Creating Assets & Saving: Learn to save — even when you feel like you can’t.
- Living with a Plan: Start thinking beyond survival and toward freedom.
The 3 Latest Posts
Can You Apply for Sequestration If You Have Assets?
If you are considering Sequestration as a solution for managing overwhelming debt, you might wonder if owning assets complicates the process….
Can I Apply for Sequestration with No Assets?
Short answer: Yes—you can. Sequestration is a legal solution designed to help individuals who can no longer meet their financial obligations….
The Magic is in the Micro Goals
Financial crises can feel like an overwhelming storm. Between mounting debt, lingering stress, and feelings of helplessness, it is easy to…
Can You Apply for Sequestration If You Have Assets?
If you are considering Sequestration as a solution for managing overwhelming debt, you might wonder if owning assets complicates the process….
Can I Apply for Sequestration with No Assets?
Short answer: Yes—you can. Sequestration is a legal solution designed to help individuals who can no longer meet their financial obligations….
The Magic is in the Micro Goals
Financial crises can feel like an overwhelming storm. Between mounting debt, lingering stress, and feelings of helplessness, it is easy to…
Feeling Overwhelmed In Work And Life
If you have ever felt overwhelmed, beat, tired, and burned out at work and in life, it could be because of…
Benefits of Business Liquidation for Directors in South Africa
Running a business comes with its own challenges, and sometimes, financial struggles can become overwhelming. If your company is struggling to…
Understanding “Married Out of Community of Property” in South Africa
Understanding your marital regime is essential if you are navigating financial difficulties or facing possible sequestration. In South Africa, couples who…
Understanding “Married in Community of Property” in South Africa
Marriage is a beautiful union, but it also comes with legal and financial implications that couples must understand. One common form…
Falling Apart During the Sequestration Process?
Feeling overwhelmed by the sequestration process? Does it feel like the weight of financial stress is too much to bear? When…
Understanding the Disadvantages of Sequestration in South Africa
Individuals who are experiencing financial challenges in South Africa may have the opportunity to rebuild their financial lives through the legal process…
Understanding The Advantages of Sequestration in South Africa
If you feel like you are drowning in debt, constantly dodging creditor calls, and stuck in a cycle of financial stress,…
Who Qualifies for Sequestration in South Africa
Struggling with debt can feel overwhelming, but understanding your options can provide the clarity and reassurance you need. Sequestration is one…
The Importance of Cash When You Are Facing Overwhelming Debt
Debt can feel like a heavy weight on your shoulders, affecting every area of your life. If you are dealing with…
What Is the Business Liquidation Process in South Africa?
Are you a business owner facing financial hardship and considering business liquidation in South Africa? You are not alone. Many businesses…
The True Costs of Sequestration
When you are considering declaring insolvency, it is important to understand all the potential costs of sequestration. In South Africa, the…
What you need to know about Sequestration in South Africa
Debt can be an overwhelming and isolating experience. For many people in South Africa, debt has reached a point where it…
5 Emotions That Could Be Stopping You From Living Your Dreams
Feeling overwhelming debt can make it hard to see the light at the end of the tunnel. Even with a solid…
What You Need to Know About Insolvency
One of the most significant personal financial challenges is being insolvent. Insolvency is a difficult financial situation to find yourself in,…
What You Need to Know About Bankruptcy and Sequestration
Are you or your business experiencing financial difficulties and considering legal insolvency? Many people use the term “bankruptcy” to refer to…
What is Business Liquidation in South Africa?
Business liquidation is a legal process in which a business’s assets are sold off to pay off its creditors, and the…
How to Cope With the Emotional Impact of Sequestration
Are you struggling to cope with the emotional impact of Sequestration? Have crippling debt and financial pressures been weighing on your…
8 Critical Small Business Mistakes and How to Avoid Them
Running a small business is no small feat. The hurdles you face can feel never-ending, from juggling finances to inspiring your…
15 Tips for Sticking To Your Budget
You have poured over your family finances and meticulously crafted a budget. There is only one problem – you have not…
10 Things I Do To Set Up My Year For Financial Success
In this blog post, I want to share the 10 things I do to set up my year for financial success….
How to Overcome Money Shame
Money shame is a feeling of embarrassment or guilt caused by not living up to your financial expectations. It can be…
How to Create A Wheel of Life Planner
The Wheel of Life planner is a tool that helps you evaluate and balance different areas of your life. Are you…
How to Reinvent Your Business
It can be hard to admit, but sometimes our businesses might not be doing as well as we had hoped. If…
Overcome Your Fear As An Entrepreneur
You are not alone if you are facing fear as an entrepreneur. Fear is a powerful emotion that can prevent entrepreneurs…
The Emotional Impact of Liquidation
While liquidation can be a viable solution for easing debt and allowing for a fresh start, it does come at a…
Rebuild Your Finances During Sequestration
Sequestration is a legal process in South Africa that involves obtaining a High Court Order to have your debt written off….
What Is Debt Shame
Debt shame is a feeling of embarrassment, guilt, or inadequacy that comes with being in debt. It can lead to feelings…
Taking Care Of Yourself While In Debt
Life is unpredictable and full of surprises, some good and others not. It can be easy to get caught up in…
Why is saving important?
Everyone should be saving. Whether it’s to have funds for a rainy day or for a major purchase – developing the…
How To Start Saving Money
Saving money is a great way to ensure you have the financial resources you need in an emergency, unexpected expenses, or…
Why Is Saving Money An Asset
Saving money is an asset that can be life-changing. It allows you to take control of your finances. And build a…
How To Overcome Debt Shame
It is understandable to feel shame when you are dealing with debt, especially if it seems insurmountable. Debt shame can be…
How Debt Can Lead to Depression
Debt is an incredibly potent source of stress. Which can lead to feelings of hopelessness, worthlessness, and helplessness, all of which…
How Debt Can Affect Your Relationships
When you and your partner are in debt, it can put a strain on the relationship. Not only can the financial…
How To Make a Weekly Planner
A Weekly Planner is a tool to organize and schedule tasks and events every week. Are you in debt and feeling…
How To Make A Savings Tracker
A Savings Tracker is a tool used to help you keep track of your savings goals and progress over time. It…
This is your space to learn, grow, and start over — with the facts, tools, and emotional support you deserve.
Explore the latest posts and take your first step toward financial clarity and peace of mind.
Let’s cut through the confusion and get you moving forward.