As we wrap up Financial Literacy Month, we are unpacking something that sits at the heart of many South Africans’ financial stress - credit. With the cost of living continuing to rise, many households are finding that their income simply isn’t stretching as far as it used to. And for those already living on the edge, even a small financial shock can tip the balance. We chat with Vice Chairperson of the National Debt Counselling Association, Benay Sager and Shan Gurunand, The CFO Guru, with over 35 years of business experience.