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Straight answers about debt, written for Saudi Arabia.

No jargon and nothing to sell you. Practical guidance on budgeting, dealing with commitments, and protecting your credit record — free to read, whether or not you ever deal with Ebra.

Budgeting

Working out where your salary actually goes, and taking it back.

Dealing with debt

What to do when commitments pile up, and what you're entitled to ask for.

Your credit record

SIMAH, defaults and fraud — and how to protect yourself from all three.

Budgeting

How to build a budget that survives past week one

Most budgets fail because they're built for an ideal month that never arrives. Here's a simpler, more honest way.

4 min read

Dealing with debt

How to prioritise your debts

When the debts outnumber the money, the order you pay in matters more than the amount.

4 min read

Dealing with debt

Negotiating a settlement: what you can actually ask for

Most people don't know the number is negotiable at all. Here's what's usually available.

5 min read

Budgeting

What to do when your salary doesn't cover your commitments

The situation nobody wants to admit to. The first move isn't borrowing — it's ordering.

5 min read

Your credit record

How to tell a collection scam from the real thing

Fraudsters trade on how frightened people are of debt. Here's what separates real from fake.

5 min read

Your credit record

What a default on your SIMAH record actually means

It doesn't block everything forever, and it doesn't vanish on its own. Here's the realistic picture.

4 min read

General guidance, not personal advice

These articles explain how things generally work. They aren't financial or legal advice for your specific situation, and Ebra can't advise you on debts it isn't handling.