Martin Lewis talks about debt problems and gives solutions. Martin gives his definition of “Debt Crisis” and “Problem Debts” outlining solutions for both and where to get help. you also get a checklist for cutting the cost of repaying debt. http://www.moneysavingexpert.com/loans/debt-solutions
Problem Debts Checklist:
1. Shift debts to cheaper rates with a credit card balance transfer.
2. Check out a personal loan to get a lower rate vs. existing credit cards. This can also help with the structure of repayments (Good if you have poor discipline in sticking to credit card minimum repayments).
3. Check your credit rating. Try to improve your credit rating.
4. Do the credit card shuffle.
5. Use your savings to pay off your debts after you have moved debts to lower rates. If you have any savings, use them.
6. Remortgaging. (not a massive fan of this one as it extends the length of the loan which may cost more).
7. Secured loan. (Make sure this is suitable for you! It may cost you more if it’s not suitable!!)

Budget, Budget, Budget, Budget!

Budgeting is crucial for climbing your way out of debt!

List your income against your expenditures to see if you are living beyond your means.
Getting out of debt is difficult and will take a lot of work but its worth it at the end of the day and we can help. There are ways to save on everything!

MSE Forum Debt-Free Wannabe: http://forums.moneysavingexpert.com/forumdisplay.php?f=76

Read the Debt Solutions guide for help: http://www.moneysavingexpert.com/loans/debt-solutions

Budget planner tool: http://www.moneysavingexpert.com/banking/Budget-planning

Improve your credit score: http://www.moneysavingexpert.com/loans/credit-rating-credit-score

Save money on everything: http://www.moneysavingexpert.com/

Non-profit debt agencies:
http://www.stepchange.org/
https://www.nationaldebtline.org/
https://www.citizensadvice.org.uk/

Debt Review Awards Founder, Zak King chats with Debt Counsellors Alan Manshon (The Money Clinic), Seb Alexanderson (NDA) and Attorney Quintin Zimmerman (Liddles) about criteria that are used to evaluate credit providers in the annual peer review process.

For more info visit: http://debtreviewawards.co.za/

With the publishing of the Rules, Court-Annexed Mediation becomes a reality in South Africa’s Civil Justice System on 1 December 2014 at certain Magistrates courts. The Rules offer an opportunity to attorneys to represent their clients during the voluntary mediation process. LEAD offers a 5-day workshop (tamara@LSSALEAD.org.za) to train attorneys as mediators.This video gives a short summary of the Rules

Get back with the person showing you this video or check out http://linktr.ee/jerrygoins to work with me and my millionaire mentors personally.

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Yilungelo Lakho discussed the debt review process, it’s pros and cons and how consumers can avoid being tricked into debt review by dubious service providers with Mmadikwa Phoshoko from the NCR and Noxolo Sono from Sonox Debt Solutions.

For more news, visit sabcnews.com and #SABCNews on all Social Media platforms.

Debt can factor as a large component on a farming business’ balance sheet. When a farming business is unable to meet their obligations to their lender the farm debt mediation process begins. This webinar aims to arm you with information on the process and dispel some of the fears and myths around Farm Debt Mediation. Denis McMahon, Senior Lawyer, Farm and Rural Legal Service will discuss the following:

* What is debt mediation?
* What are your rights?
* What your lender can and can’t do
* Timeframes involved
* Levels of assistance – who can help/costs etc
* Changes proposed in the new Farm Business Debt Mediation Bill

In March 2016 Jerome Rogers’ took his own life. Two traffic fines of £65 had become a debt of £1024 which he was unable to pay.

Scenes are from the BBC Three docu-drama Killed By My Debt.

Watch Killed By My Debt on BBC iPlayer: https://www.bbc.co.uk/iplayer/episode/p067bmlh/killed-by-my-debt

For information and support, these organisations in the UK may be able to help: http://www.bbc.co.uk/programmes/articles/2sgnCKC9wt0zCXl3xgSMdwN/information-and-support

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Did you know that we’re up to other things in other places too?

Best of BBC Three: www.bbc.co.uk/bbcthree
iPlayer: http://www.bbc.co.uk/tv/bbcthree
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Oh, we’re on Snapchat too – just incase you were wondering… add us, bbcthree.

www.msmdebtcounselling.co.za
Email smulima@msmdebtcounselling.co.za
Tel : 0110397196

The Debt Counselling Industry has called on government to launch a high level investigation into the National Credit Regulator to find out why it was not doing its job properly. DCI said the NCR should be probed for not properly investigating African Bank. Meanwhile, share trading of the troubled bank on the JSE was suspended Monday morning.
Shareholders requested the suspension after the Reserve Bank had placed the lender under curatorship over the weekend. Reserve Bank governor Gill Marcus announced that African Bank had been placed under curatorship. A consortium involving major banks had committed to underwrite a R10 billion capital raising exercise, and would engage with shareholders and
other participants.