Joel Grisé is a Certified Credit Counsellor and a Financial Fitness Coach from K3C Credit Counselling – Ottawa which is an Accredited Member Agency of the Canadian Association of Credit Counselling Services. Joel describes what you can expect when you call a CACCS Accredited Not-For-Profit Credit Counselling Agency.

Having trouble balancing your budget each month? Struggling to make ends meet? Credit counselling may be right for you. Our BIA certified insolvency counselors hear your concerns and design a program that specifically addresses your individual financial challenges.

The dead don’t always sleep. After doing his stint in the army, Don Lattimore buried his battlefield demons deep inside and settled comfortably into Diablo Springs. Serving as county sheriff, for nearly two decades he’s enjoyed the tranquility of the Nevada desert until the day he discovers evidence of satanic activity inside an abandoned house. Now he’s trapped in a showdown with his own nightmares. Threatening to fulfill a chilling prophesy, something inside him has clawed itself free. The good people of Diablo Springs begin to die and the only way Lattimore can put a stop to it comes with a steep price–a price he’s unwilling to pay. But to save his community and family, he must. And time is running out.

Contact National Debt Counsellors today for a free no obligation assesment. SMS “HELP” to 43993, Call 087 727 9728 or complete an online request http://nationaldebtcounsellors.co.za/contact-us/.

13 Benefits of Debt Counselling or Debt Review.

1. All of your debt repayments will be consolidated into one reduced monthly repayment plan.

The great thing about debt counselling is that instead of paying numerous accounts, which you can easily lose track of, The National Debt Review Center will work out an amount that covers all of your repayments.
This includes all your legal fees and debt review costs, with lower interest rates.

2. Your assets, including your home and car, will be protected from repossession.

If you’re fearing that your home and car will be repossessed because you’re in too deep, you’re not alone. Debt counselling will protect your assets from being repossessed as a result of defaulting on repayments.

3. You will no longer get calls from your creditors demanding payment.
Once placed under debt review, you will no longer be at risk of getting deeper into debt.

The National Credit Regulator will flag your credit profile, barring you from taking out more credit. This flag will be removed from your credit profile once you have settled all your debt.

4. You do not pay any money upfront.

Alarm bells should go off if the Debt Counsellor makes such a request. Asking for money upfront is not part of the Debt Review process and indicates that the Debt Review company is untrustworthy.

All Debt Review fees are strictly prescribed by the Nation Credit Regulator (NCR) and are pretty much the same for all South African Debt Counsellors.

There are no up-front fees because the fee structure is created in such a way that all the fees form part of your reduced monthly repayment plan. Each client’s fee will differ because it is worked out as a percentage of the monthly debt you owe.

5. There is no permanent record of having undergone debt counselling.
6. There is only one monthly repayment to be made.
7. Your budget will meet your basic needs first before provision is made for debts.
8. You will never pay more money than you can reasonably afford.
9. A debt counsellor will suggest ways of cutting costs and saving money.
10. Gives you Peace of Mind that your debt is being paid.
11. Help You Live Comfortably with all living expenses covered.
12. Help You Reach Your Goal of settling the debt.
13. Helps you Change your financial spending behaviour.

In light of this, always be sure to contact The National Debt Review Center here or at info@ndrc.org.za as soon as you begin to struggle with your payments, so that all of your instalments can be reduced immediately.

Contact us here – https://ndrc.org.za/contact

Article – https://ndrc.org.za/what-are-the-benefits-of-debt-review

Tan almost everywhere, Jan almost everywhere hee hee.

Season 4, Episode 12 “The Deposition” – Jan sues Dunder Mifflin, and Michael is deposed as a witness; Kelly trash-talks Pam after Darryl beats Jim at pingpong.

Streaming now on Peacock: https://www.peacocktv.com/stream-tv/the-office?cid=2101priolibraryofceownyt653&utm_campaign=2101priolibraryofce&utm_source=yt&utm_medium=own_yt_brandawareness_descriptionlink&utm_content=theofficeprelau&utm_term=peacock

Watch The Office US on Google Play: http://bit.ly/2xYQkLD & iTunes http://apple.co/2eW0rcK
Subscribe: http://bit.ly/2y5VK8N

This is the official YouTube channel for The Office US. Home to all of the official clips from the series, the funniest moments, pranks and fails.
Think we should feature your favourite episode? Let us know in the comments!

FB : https://www.facebook.com/theofficenbc
Twitter : https://twitter.com/theofficenbc
Website : http://www.nbc.com/the-office

#TheOffice #USA #nbc

Popular blogger Anna Newell Jones of AndThenWeSaved.com delivers this self-help manifesto that reveals how a “spending fast” will help you get on the road to living debt-free.

In 2009, young photographer Anna Newell Jones was rapidly suffocating under the weight of too much debt. An inveterate “spender,” she was in way over her head, to the tune of almost $24,000. She knew her debt was only going to get worse if she didn’t take action, but she didn’t know where to look for help. On a whim, Anna decided to go on a spending fast—an idea she heard in passing but knew little about. Creating her own method, she learned what worked and what didn’t and wrote about it on her blog, AndThenWeSaved.com. Amazingly, Anna was able to eliminate all $23,605.10 of her debt in only 15 months! She was interviewed in Forbes, Self, Glamour, Good Housekeeping, and the Chicago Tribune.

Anna’s journey inspired people and showed them that they too could change the way they dealt with their own money woes. The Spender’s Guide To Debt-Free Living takes readers through a detailed step-by-step plan on how to do a Spending Fast and get out of debt, including:

Creating a personalized Debt-Free Life Pledge. Understanding where your money is going when you’re in debt, and where it will come from to pay it off. Learning why putting money into a savings account before (or while) paying off debt may not be the best idea for you. Finding additional income sources and generating side gigs. Re-integrating spending into your life once you’re out of debt, so that you stay out of debt.

Filled with do-it-yourself ideas, insight from experts, and tons of motivational tips and real-life practical advice, The Spender’s Guide to Debt-Free Living proves that you don’t have to win the lottery or get a new job to change your life.