Philip J. Nortjé is a registered Debt Counsellor who is fiercely committed to guiding consumers in South Africa to achieve freedom from anxiety over money matters and to teach them how the implementation of a proper written budget is a deliberate action towards financial freedom. After extensive research he has written the book “Your Key to Become Debt Free Again” with the subtitle “And Quit Living Pay Cheque to Pay Cheque” in which he shares valuable lessons and information that will be extremely valuable to consumers. Another aim of the book is to assist consumers to be pro- active in their approach towards managing their finances. He has developed a system and programs whereby any consumer can simultaneously start to increase his or her net worth whilst eliminating debt. Consumers are also shown how to establish an emergency fund that will lead to peace of mind for those unexpected expenses. If you are looking for a person who can guide you to address your fears and worries towards money matters, you have come to the right place. For some it may be to implement a deliberate plan to reduce their debt; for others it may be a deliberate plan to curb unnecessary expenses; and for others it may be both.
