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What if all of this debt was canceled? This is what that would look like.

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Student loan debt has increased exponentially in the past few decades. So now, some Democratic presidential candidates propose canceling those debts — all $1.6 trillion of it. But is this a good idea? Who exactly does it benefit?

For more on student loan debt, read this Vox explainer on Elizabeth Warren’s plan: https://www.vox.com/2019/4/22/18509196/elizabeth-warren-debt-free-college

And this explainer on Bernie Sanders’s plan: https://www.vox.com/policy-and-politics/2019/6/23/18714615/bernie-sanders-free-college-for-all-2020-student-loan-debt

This piece explains why wonks don’t like Sanders’s plan: https://www.vox.com/policy-and-politics/2019/6/26/18760296/bernie-sanders-college-for-all-cancel-student-debt-warren

And to get a wider perspective on the whole debate, Matt Yglesias breaks it down: https://www.vox.com/2019/6/24/18677785/democrats-free-college-sanders-warren-biden

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2018-05-16 – Farm Debt Mediation Bill – First Reading – Video 3

Damien O’Connor

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https://amara.org/v/i4pI/

Debt Review can consolidate your debt into one easy payment and clear your credit record. For a free assessment, contact us today!

http://payplansolutions.co.za

2018-05-16 – Farm Debt Mediation Bill – First Reading – Video 6

David Bennett

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https://amara.org/v/i4pF/

South Africa’s leading debt review administration system

Here is exactly how you can pay off debt fast, and how to save money as easily as possible – Enjoy! Add me on Instagram: GPStephan

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We’re going to start this video off with some very scary statistics…you’ve been warned, I hope you’re sitting down…because this is getting out of hand:

FIRST: Understand EXACTLY what debt you have.
Make a list and write down ALL of your debt, and include the remaining balance owed and the current interest rate that your paying.

SECOND: Track all of your spending over the next 30 days
You need to figure out, DOWN TO THE PENNY, how much money is going IN your account each month – and then, how much is LEAVING IT

1. The first is Mint.com
2. My second recommendation that I’ve used is PersonalCapital.com
3. And third, you could also use a software called YouNeedABudget

The whole point of this is just to be aware of where your money is going, and from that, you can better figure out how to put best use to where it’s going.

THIRD: Make a NEED TO SPEND vs WANT TO SPEND LIST

Your “NEED TO SPEND” list might be the bare minimum food budget, your housing payment, your insurance payment, or anything else that’s absolutely ESSENTIAL.

Then, the other expense column will be your WANT TO SPEND…this could be anything else.

FOURTH: You need to REMOVE EVERYTHING you possibly can from your “WANT TO SPEND” category.
I also recommend, when doing this, that you consider SELLING some of the things you don’t need, or are costing you a ridiculous amount of money.

FIFTH: Look into debt consolidation
In addition to this, you could also look into getting a 0% interest credit card – and transferring the credit card balance to THAT card to save on the interest.

SIX: PAY OFF DEBT
The first method is called the SNOWBALL METHOD, popularized by the one and only…DAVE RAMSEY.
This method suggests that you pay off your smallest balance first, then slowly work up to your way up to the largest balance until it’s all paid off.

The next is called the avalanche method. Instead of arranging your debts by total balance, you arrange them from the highest interest rate first, to the lowest interest rate last. This ensures that you’re putting your money towards its best use, which will cost you the LEAST amount of money in the long term if you stick with it.

My recommendation is to check out the Vertex calculator…
https://www.vertex42.com/Calculators/debt-reduction-calculator.html

SEVENTH: Pick up a side hustle
Sorry to be super obvious here, but if you literally don’t make enough – it doesn’t matter how much you save, you need to make more money.

And with all of this, YOU MUST DO ALL OF THIS CONSISTENTLY!

For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com

I created this video using my Logitech QuickCam software

We educate consumers about the debt review program, what it means to be under it – pros and cons; who qualifies to be under debt review; who one applies to be under the program; the dangers of dodgy debt collectors and all pertinent issues around debt review, including how consumers can get legal recourse should they be exploited in the process.

For more news, visit: sabcnews.com

Understanding different kinds of student loans and the best strategy to pay them off. Consolidation is an effective strategy to pay off the loan only if you do not plan to use the Student Loan Forgiveness Program. Keeping the student loan for tax deduction purposes is effective only if your income is withing the write off range. Still, in the end, keeping the loan around for years on end will add up to thousands of dollars of interest payments. This very interest payments could be reduced significantly if you work towards paying it off early which results in a higher net worth. .

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Credit Card for Starters
Who Should NEVER Get a Credit Card: https://youtu.be/aNYZkMgTyb0
Only Use Credit or Only Use Debit: https://youtu.be/J0ZRgBIG39Q

Credit Card Basics
How Credit Card Calculates Interest: https://youtu.be/0Z2nWQdqa2A
How Credit Card Grace Periods Work: https://youtu.be/8WuH3-PsjCA
Difference Between Credit Card Inactivity and 0% Utilization: https://youtu.be/rtfJMZf_IrM
Credit Card Statement Closing Date vs. Due Date: https://youtu.be/3-knvT7JbTk
Does Canceling Credit Cards Affect Credit Score: https://youtu.be/jYGZukw5i-Q
Can You Afford a No Limit Credit Card: https://youtu.be/sdAh7hzgJoU
Credit Card Balance Transfer Hack: https://youtu.be/F2Foqg2ZTEw

Credit Score Less Than 700
Maximize Credit Score while in College: https://youtu.be/pxGECoQoLLA
Build Credit Fast with a $500 Credit Limit: https://youtu.be/attQKzngqoE
How to Pay off Credit Card Debt: https://youtu.be/XY8YSPapnF8
How to Build Credit with Bad Credit or No Credit [w/ Self Lender]: https://youtu.be/RNXutBGAnlM
How to Boost Your Credit Score Within 30 Days: https://youtu.be/LyBjciz4-zg

Credit Score More Than 700
How to Increase Credit Score from 700: https://youtu.be/MCFKNBcyAWs
740+ is Not Just For Show: https://youtu.be/1fGcpxurzgU
My Credit Score: 848, How to get it Part 1: https://youtu.be/dEZLZQXRBjQ
My Credit Score: 848, How to get it Part 2: https://youtu.be/Y6-SB35C7Pc
My Credit Score: 848 – Credit Card Hacks and How I got it: https://youtu.be/8Xz3hi3VWfM

Advanced Credit Card Tricks
How to get a Business Credit Card: https://youtu.be/S3srld5_l5Y
Keep 16 Credit Cards Active: https://youtu.be/yAzkEK8Y6E8
Rejected for a New Credit Card with 826 Credit Score: https://youtu.be/66O505Oj5e4
Make Credit Cards Pay You Instead: https://youtu.be/wKMJdX1fQJA
Credit Card Low Balance Cancellation $2 per mont [Still Works]: https://youtu.be/2DJjfvcMCcg

Cash Back
Are Credit Card Points Taxable?: https://youtu.be/Tw90h8I5JNk
How to Churn Credit Cards: https://youtu.be/uw__fl38Dk4
Best Cash Back Credit Cards for 2017: https://youtu.be/e_uJweUsiDk
5% Cash Back on Everything: https://youtu.be/q9g_rySm_tI
Always get 11% Off Amazon Gift Cards and Amazon Hacks: https://youtu.be/vbv6Rj2uUr4
Max Rewards: What’s in My Wallet: https://youtu.be/cmJDFcbjFho
How I Make 200 Dollars in 10 Minute [Hint: Credit Card Bonus]: https://youtu.be/pegq4G7ZhTI
When Your Best Cash Back Card Gets Cancelled: https://youtu.be/pe7OuqxGi9M
Amex Blue Cash Preferred vs. Everyday Effective Cash Back on Groceries: https://youtu.be/3ezD_QwS5e0
Double Dip Groceries Cash Back with Safeway Just for U: https://youtu.be/7kBl0W_L29U
Milk the Barclays Cashforward Card for the MOST Cash Back: https://youtu.be/qf2gvrk6Evo
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