The trend of consumer indebtedness continues in the country with many struggling to pay back their loans. There a number of debt agencies available to assist them to get out of debts. Focus is now on how theses agencies are helping and is their formula working or are there alternative. To discuss this we are joined by Saubrey Tshabalala who penned the book How to get out of bad Debt use other people’s money and resources to get rich.

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MoneyVineSA – “Is Debt Consolidation a Good Idea?”

South Africans living to pay off debt
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Johannesburg, 24 April 2014 — Most South Africans are in debt because they are living above their means. A recent survey by Momentum indicated that many South Africans have not taken advantage of low interest rates to reduce their exposure to debt.

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Canadians are positively swimming in debt. More than $2 trillion, in fact, according to the latest numbers from the Bank of Canada. That’s up by almost four per cent in the past year, despite repeated dire warnings from economists, policy-makers and central bankers.

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The Debt Counsellor is appointed by the NCR set out by the National Credit Act. (section 44.(2) A person must not offer or engage in the services of a debt counsellor in terms of this Act, or hold themselves out to the public as being authorised to offer any such service, unless that person is registered as such in terms of this Chapter
The Debt Counsellor may be reprimanded by the regulator if he/she does not work in the frame work set out by the regulator and the NCA

Each one of us have at least two things in common. Money and dreams! What separates one person from another is when one person’s money or problems with money keeps them from their dreams. Those that are able to get control of their finances are the ones who are able to do what they love! If you have found yourself having more month than money or you are just trying to save more money then this is the book for you! Ja’Net speaks all over the country about the steps she took to pay off $50,000 of debt in 2 1/2 years and she shares those exact steps in this book! “Debt Sucks! Everyone’s Guide To Winning With Money So They Can Live Their Dreams!” will show you how to: Determine what your dreams and how to make those dreams reality. Create a “spending plan” that will allow you to still have fun while also getting out of debt! Build an “In Case You Are Breathing Fund” to have money for all emergencies. Turn your hobby into a business that makes you money! Find a better paying career in the “new economy.” AND SO MUCH MORE!

The Eurozone crisis which started in spring 2010 as a Greek budget crisis has alerted Europeans that the issue of defaulting sovereigns is not one reserved just for the poor and poorest countries on this globe. The crisis painfully amplified that developed countries, too, might be hit by this phenomenon. To be sure, this insight is far from novel – the history of defaulting states reaches back into history for at least two millennia. And yet, lawyers have surprisingly abstained more or less completely from discussing this subject and developing possible solutions. Beginning with the Argentina crisis in 2001, this neglect began to vanish to a certain degree and this movement got some momentum in 2010 by the Eurozone crisis. The present book collects contributions from authors, most of whom have participated in a conference on this issue in January 2012 at the Humboldt-Universität zu Berlin. The presentations, thus, provide a unique overview of the present discussion both from an economic and legal perspective.

Nowadays, many young people often find that their lives are difficult, despite hard working, the income barely enough for daily necessities. While, some others have more comfortable lives with just the same amount. What’s the problem? Tighten belt helps them get extra monthly saving? Or they spend less? Or even an extra income?

Have you even considered to your unsuitable spending ways, you may not take a full use of incentives offering by service providers? So how does financial management work? How to live comfortably having regular monthly surplus? If you are asking yourself these 3 questions. My share of  – RULES OF MONEY MANAGEMENT FOR DEBT FREE AND BETTER SLEEP – should be just for you.

Audiences usually stuck in their regret feelings of wasting their money and hope to turn back the time!

Through this book, you will learn how to become a financial manager for yourself. People see numbers are complicated and difficult. For the 8 methods of increasing income and 7 ways for wise saving revealed in this book, you will be guided clearly and in detail that just make everything becomes so simple

Whatever your starting point, this book provides you methods to manage your finance. You can definite exactly how much money you own. This is a very important step for well-being in the future. You learn how to invest your financial resources in the most effective way!

Earning money is important, and how to manage it even each penny is the same  –  Lisa Casey

Please refer the table of content and buy it now with single click.

Table of contents:

Introduction

Chapter 1 – Money Management 

Effort-Less Ways to Increase your Income Dues to pay for, when earning more

Chapter 2 – Planning for monthly balance

Planning for monthly spending Planning for monthly income Overall managerment of monthly balance

Chapter 3 – Budgeting Basecamp

Budgeting Simple Tools for Budgeting Budgeting Rules Tips (Steps on sticking/Making a Budget)  Benefits of Budgeting Wants versus Needs

Chapter 4 – Increasing the Income (8 Ways to Increase Your Income)

No.1 Do some freelancing gigs No 2. Sell some stuff online or offline No 3. Put up your own mini business or franchise—whether on your own or with friends No 4. Carpooling and driving No 5. If you have a blog, make money out of it No 6. Draw a crowd No 7. Finding a roommate No 8. Passive Income

Chapter 5 – Strategies for Saving

Below are different strategies that will help you save money 7 Other practical strategies to save money

Chapter 6 – The Downside of Money Management 

Disadvantages of Using Credit Cards Disadvantages of Using Debit Cards Using debit cards and credit cards with an inconsistent income

Chapter 7 – Financially Free

Spending money wisely How to budget for retirement allowance? Things that elderly people forget to prepare for

Conclusion.