One Schmoe took on a secret mission to see “The Debt”, the new thriller from John Madden. Would this cast help ease Ellis into the fall season? Or would he already miss superheroes running around in tights?? Enjoy!

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Free Credit Help by Credit Experts – 100% Free Non-Profit Credit Help

Our Head Consuotant Nangamso Makalima explaines debt counselling / debt review.

Lower all your monthly installments and pay what you can afford after covering all your living expenses.

This presentation describes mediation analysis and the connections between traditional mediation analysis and recently developed causal mediation analysis. Mediating variables have a long and important history in theoretical and applied research because they describe how and why two variables are related. One common example of applied mediation research is the study of the mediating processes that explain how a prevention/treatment program achieves its effects on an outcome variable. If the intervention’s active ingredients are identified, the intervention can be made more powerful and more efficient. Other applied mediation examples include identifying how a risk factor leads to disease and how early life experiences affect later development.

What is considered as good debt? Is buying clothes with a clothing account a good debt?

The covid-19 pandemic led to a lot of job losses and many people failed to pay off their debt, that drew a lot of attention to the topic of debt and whether it was really beneficial to ones livelihood.

Debt can negatively impact your credit score and this can ruin your chances of qualifying for any credit going forward but at the same time if used well, can help you to buy assets that will increase your source of income.

I hope that you will enjoy this episode, please do not forget to like, comment and subscribe !!

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Shot and edited- EasyShots & Straightcap Media
Management- Manana Molokomme (Manana.Molokomme@icloud.com

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New videos every second week to help you to sharpen your financial literacy. Feel free to leave a comment about your personal financial journey.

Example

Clothing account – 23% owing R5000
Personal loan – 16% owing R15000
Credit card – 17% owing R10000
Overdraft – 23% owing R1000

Owe R31 000 – so you get a new loan for R31 000 and pay off the multiple loans. then you are left with one.

Average 19.5% so make sure you get a new loan of an interest rate lower than 19.5%

What is a debt consolidation loan?

Are you struggling to keep track of multiple debts and feeling overwhelmed by them? A debt consolidation loan may be the answer for you. In this video, we’ll explain a debt consolidation loan, how it works, and the pros and cons of taking out one. Don’t let your debts control you – get all the information you need to make an informed decision about a debt consolidation loan.

Here, we follow the story of Vuyo, whose debt snowballs when an unfortunate event forces him to take out more debt than he can handle. When he realises that he is in over his head, he decides to consolidate his debt. By combining several loans into one, a debt consolidation loan reduces the number of admin fees Vuyo has to pay, and it makes it easier to pay back his debt. But this is just the first step he takes to get his debt under control. To learn how Vuyo and others like him take back control of their finances, download the FREE Moolah Master Financial Wellness Guide.

https://oldmutualfinance.everlytic.net/public/landing-pages/moolah-master-ZtlkxJ72fSxMAHtt

Get help to create a plan, deal with your debts, and get back on track. Appointments are free, confidential, and non-judgmental. We’re a non-profit service, and we can help.