The National Credit Regulator (NCR) urged South Africans to spend carefully and avoid money problems after the holidays in January. About 10 million South Africans are already in too much debt. The NCR warned people not to buy things on impulse during the holiday season. Winnie Rabathata, a spokesperson for the NCR, advised saving money so people won't be overwhelmed with debt in January. Ntwanano Vuma u burisanile Jimmy Golele ku suka eka xiyenge xa National Credit Regulator.