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As South Africans face a growing cost-of-living squeeze, more households are turning to credit not for luxury, but simply to cover everyday essentials. Rising prices for groceries, transport, school fees, rent, and electricity mean many families are borrowing just to survive, and debt is increasingly becoming a lifeline, with dangerous consequences. We speak to Tsungai Masendeke, Certified Financial Planner, about how South Africans can navigate these challenges. Kaya FM