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We often get the following scenarios that can have the result that debt counseling and debt review actually outs you off much worse than your current situation. What happens if consumers wait too long after they realize that they are in financial distress before they apply for debt counseling and debt review. The answer is very simple yet there is a complex reasoning behind the answer.
If you leave your accounts to get so far in arrears and then apply for debt counseling, Help with debt, debt counselors cannot guarantee that we will be able to lower that specific repayment. The reason being is that your creditors are forced to first bring your arrears amount up to date before they can start paying off your capital. Furthermore, the National Credit Act only allows consumers under debt counseling and debt review to extend certain agreements for a maximum period. This is also dependant on the age of the agreement. For instance, if you have only a few months left on your original contract term but you are in arrears with almost half the agreed amount, the period cannot be extended so much that you will benefit from debt counseling. I had a new client today that was more that 22 months in arrears with a finance agreement that only had 8 months (original) contract term left. The result was that the restructured payment for that account was almost R200 more than his original installment.
This brings me to my next example. Normally if I get clients that are not in arrears with accounts but foresee a difficult financial future, I am almost guaranteed to more than halve their payments.
Bottom line. The sooner you make a plan to sort out a dismal financial situation, the better. Banks and other credit providers respect clients that are precaution and make arrangements throughdebt counselling and debt review sooner than later. If the credit providers have to phone trace and keep on asking you for money they will view you as a risk.
If you feel that you need some more info please contact Help with Debt today
The “D” word. Get your mind out the gutter we are not talking about that D.
Hypnosis to Let Go of Negative Attachments & Rebuild Confidence (Sleep Meditation Healing).
Hi and welcome to this hypnosis experience to help you release negative attachments and clear negative energy from your subconscious mind.
The subconscious (a.k.a. the unconscious mind) is where we store many core beliefs about our own identities. Hypnosis and hypnotherapy allows a better communication with our deeper beliefs, so that we may expand our personal choices, and positively change the sometimes unwanted ‘stories’ we often hold onto for too long within ourselves. In this way, a deep healing and personal transformation can take place.
All of the suggestions I have written for you in this track are designed to help you to heal: to discover your own dynamic powers to finally — and permanently — release such negative attachments; be they any memories, thoughts, images, sounds, or feelings you’d much prefer to fade away and let go.
This track will also prompt you to relax into a deep and restful place of sleep after all of the important subconscious clearing work has been achieved, so you may wake again feeling refreshed, rejuvenated and lighter inside.
If you enjoy this hypnosis experience, please consider liking this video and subscribing for more or my upcoming content.
Subscribe here: ? http://www.youtube.com/subscription_center?add_user=MichaelSealey
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Download this hypnosis sleep meditation MP3 audio:
https://michael-sealey.dpdcart.com/cart/add?product_id=179061&method_id=193306
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Guided Meditation for Natural Healing Sleep: ? https://youtu.be/SZ1LNrvu03M
Sleep Hypnosis for Calming an Overactive Mind: ? https://youtu.be/uuzJffTliSc
Sleep Hypnosis for Manifesting Abundance: ? https://youtu.be/SB1goPdrEcg
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CD Baby: ? http://www.cdbaby.com/Artist/MichaelSealey
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Depression & Anxiety Recovery Pack 5 x MP3 Digital Audio Collection here: ? https://michael-sealey.dpdcart.com/cart/add?product_id=121819&method_id=129715
Sleep Meditation 4 x MP3 Digital Audio Collection here: ? https://michael-sealey.dpdcart.com/cart/add?product_id=155119&method_id=165916
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This guided hypnosis session is suitable for repeated listening. Regular listening to hypnosis will help compound all positive suggestions for your own self healing results.
The ending of this session will offer suggestions for the mind to drift and dream into a deep and refreshing, bedtime sleep. This track is also suitable for alleviating symptoms of insomnia, depression, over-thinking and anxiety.
#sleephypnosis #hypnosis #guidedmeditation
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Original vocals and writing by Michael Sealey © 2019
Music credit:
“The Ecstasy of Being” – by Christopher Lloyd Clarke. https://www.christopherlloydclarke.com.
Licensed by Enlightened Audio.
Video loop via Colourbox
The Relentless Reviewer takes on the new 1960’s spy movie THE DEBT!
National Debt Mediation Association CEO, Magauta Mphahlele, discusses debt consolidation.
I PAID OFF $10,000 IN CREDIT CARD DEBT IN SIX MONTHS GJFREKJGHRJFEGK I’m too excited WOW. Here’s a very detailed video of my debt payoff process!! #personalfinance #debtpayoff #creditcarddebt
TIME STAMPS:
0:00 – intro
2:01 – how I got into 10k of credit card debt
5:30 – get serious and commit to a debt payoff plan
6:30 – balance transfers
7:23 – track your income and expenses & create a budget
7:59 – pay more than minimum payments (debt snowball vs debt avalanche)
9:04 – find extra money to use toward debt (cut your spending and/or make more money!)
11:18 – I have definitely increased my income (+ my estimated total income for 2019)
12:50 – what percentage of my income goes toward debt?
14:35 – how much did I pay each month?
16:40 – my debt payoff hype song lmfao
17:36 – how do you resist lifestyle inflation / spending more as you earn more?
18:43 – how do you stay motivated during debt payoff?
19:57 – what was the most helpful way to think about the process of paying off debt?
20:33 – are you saving while paying off debt?
21:13 – what’s next? Pay off my student loans! + my current total loan balance
22:49 – how has your credit score changed?
23:24 – did you still use credit cards while paying them down?
24:46 – what do you recommend for young people regarding credit cards and student loans?
SOURCES & REFERENCES:
Opening Up About My Student Loans and Credit Card Debt – https://youtu.be/tku2C-DgA6s
Finances of a Full-Time YouTuber (taxes, budgeting, etc) – https://youtu.be/3NMQyrvp7o8
Debt Snowball Vs Debt Avalanche | Which is the Best Debt Payoff Strategy? – https://youtu.be/jtgnRJKSJlw
What is a balance transfer? – https://www.creditkarma.com/credit-cards/i/what-is-balance-transfer/
The Financial Diet – https://www.youtube.com/channel/UCSPYNpQ2fHv9HJ-q6MIMaPw
Aja Dang – https://www.youtube.com/user/ajabdang
Sarah Nourse – https://www.youtube.com/channel/UCDbGw5fdxTLjRsNnD7_Jwvw
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Hello my dudes! My name is Tiffany Ferguson. I’m a 24 year old sharing my thoughts and life experiences. Here on Tiffanyferg, recently I’ve been working on my Internet Analysis series, where I research and discuss topics related to social issues and media. I also occasionally talk about my experiences with college, traveling, study abroad, veganism, and more.
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“You having wealth does not take away from others having wealth.”- Marisa Peer. Money has often been described as the root of all evils but are we looking at money and having abundance the wrong way?
Attend a rapid transformational therapy session to bring you abundance in wealth, health and love with Marisa Peer’s FREE masterclass here? https://go.mindvalley.com/obcvobMY
#Subscribe #MarisaPeer #AbundanceMeditation
Some woman deal with pregnancy different than others. Birth Days follows the lives of couples after giving birth.
The Good, the Bad & the Messy – our channel features documentaries and shows about stories of modern parenting. Through a mixture of original & archive content, we explore a range of captivating subjects; education styles, complex relationships, food habits, the challenges of large families…
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