As debt counsellors, we frequently encounter married couples who are unaware of the ways in which their individual debts affect their spouse. It is also important for people who are planning marriage to have this information. Rather than re-doing something of which someone else has already done an excellent job, I would rather credit Geraldine Macpherson for her comprehensive and easy-to-read article as it appeared in the Liberty newsletter, and encourage interested readers to read the article here :
http://yourlife.liberty.co.za/newsletter/2016-03/article-3.html?utm_source=newsletter&utm_medium=email&utm_campaign=mar16_eng
(readers should be able to copy and paste this link into their web-browsers to go straight to the article).

For anyone who has wanted to know :
(a) the implications of being married in Community of Property (COP) or ANC (with an ante-nuptial contract) ;
(b) how your individual debts affect you once you’re married, and
(c) what happens to your debts and estate when one spouse dies,
we highly recommend reading this article. It also gives useful advice on budgeting and how to work with your finances once you’re married.