By Newsbreak Senior Producer Taresh Harreeparshad - Affording luxuries are not even on the list of tertiary needs for South Africans. This follows startling statistics released by Debt Busters - that show that consumers spend more than half of their salaries on debt in the country. This has been attributed to the likes of high interest rate hikes and fuel and food  costs. It means that families are currently tapping in to debt - just to make ends meet. Chief executive Benay Sager provides some tips on where you can try to trim your debt dependency...