THE SOUTH AFRICAN
DEPRESSION AND ANXIETY
GROUP

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IN THE WORKPLACE

New Research on Depression in the Workplace.

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SADAG NEWSLETTER

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JOURNAL

Mental Health Matters Journal for Psychiatrists & GP's

MHM September 207x300

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SPEAKING BOOKS

suicide book

Literacy is a luxury that many of us take for granted.  We depend on written communication for information, guidance, and access to heath care information That is why SADAG created SPEAKING BOOKS and revolutionized the way information is delivered to low literacy communities. It's exactly what it sounds like.a book that talks to the reader in his or her local  language, delivering critical information in an interactive, and educational way.

The customizable 16-page book, accompanied by local celebrity audio recordings, ensures that vital health and social messages can be seen, heard, read and understood..

We started with books on Teen Suicide prevention , HIV, AIDS and Depression, Understanding Mental Health and have developed over 30 titles, such as TB, Malaria, Polio, Vaccines for over 30 countries.

depression book

 

13 January 2014 8:00

If you’re suffering the effects of a holiday spending spree, we have a five-point plan to get you back on track.Neesa Moodley-Isaacs walks you through the process

BUDGET
1 Write down an accurate and honest list of your expenses and income. Use your recent bank statements, invoices and receipts as a guide.
When you draw up your budget, use two columns on the same page so that you can get a realistic picture of exactly what expenses you’ve incurred. Include all expenses, no matter how small. Remember, it all adds up.
If your expenditure exceeds income, you need to take a serious look at your spending habits.

PRACTISE RESTRAINT
2 Separate your expenses into essential and nonessential categories. Essentials should only include items like rent or bond repayments, school fees, groceries and transport costs.
Nonessential items include purchases that you can live without like that hot sale item in your favourite clothing store. Remember what got you into
this precarious financial position in the first place and exercise caution when making purchases.
If you see something you like, take a day or two to think about whether you really need it before you swipe your debit or credit card.

PLAN TO SAVE
3 Pay yourself first. Budget to save a minimum amount every month and put it into a savings or investment account.
“If you invest R200 every month at an interest rate of 12% a year, this will net you R32 994.55 over five years,” says Sugendhree Reddy, the head of personal markets at Standard Bank.

DEBT REPAYMENTS
4 If you have credit card debt, pay off the specified amount in full at the end of every month to avoid paying interest.
Try to avoid store card debt if you can. If it’s too late, then make sure you pay this debt off as quickly as possible and avoid buying anything else on account.
If you are having trouble meeting your debt repayments, speak to your creditors to make alternative arrangements.
Don’t ignore the letters for payments due. This will only reflect negatively on your credit record and land you in deeper trouble.

DEBT COUNSELLING
5 This is a last resort if you cannot see a way out of your financial troubles. A debt counsellor will consider your budget and determine if you are overindebted.
If you are, the person will charge you a debt-counselling fee to take on your case and liaise with your creditors to arrange a repayment solution that allows you enough money for your essential expenses such as rent and groceries.
Bear in mind that once you register for debt counselling, you will no longer be able to access credit in any way, including vehicle finance and home loans.
You will first require a debt-clearance certificate stating that you have repaid all your debts before a creditor can give you further credit.

 

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