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What is the Pro’s and Cons of Online Debt Consolidation Loans in South Africa. Brought to you by Moneysearch.co.za. A service provider for people looking for online cash loans.

Kali ni saya kongsikan bagaimana nak settlekan hutang dengan cepat, dengan dapatkan lebihan income dengan cara kumpul semua hutang-hutang jadi 1 dan settlekan segera dengan teknik debt consolidation.

Sekiranya ada sebarang pertanyaan, boleh klik link http://financialcoach.wasap.my untuk saya berikan khidmat nasihat percuma.

Aziz Riadi
Shariah Registered Financial Planner
MFPC

#AzizRiadi #bebashutang #langsaihutang #personalloan #loan #financialfreedom

What is debt consolidation, how to consolidate your debt, and should you consolidate your debt. There are two primary ways to consolidate debt, both of which concentrate your debt payments into one monthly bill.

Get a 0% interest, balance-transfer credit card: Transfer all your debts onto this card and pay the balance in full during the promotional period. You will likely need good or excellent credit (690 or higher) to qualify.

Get a fixed-rate debt consolidation loan: Use the money from the loan to pay off your debt, then pay back the loan in installments over a set term. You can qualify for a loan if you have bad or fair credit (689 or below), but borrowers with higher scores will likely qualify for the lowest rates.

Success with a consolidation strategy requires the following:
1.Your total debt excluding mortgage doesn’t exceed 40% of your gross income.
2.Your credit is good enough to qualify for a 0% credit card or low-interest debt consolidation loan.
3.Your cash flow consistently covers payments toward your debt.
4.You have a plan to prevent running up debt again.

Consolidation isn’t a silver bullet for debt problems. It doesn’t address excessive spending habits that create debt in the first place. It’s also not the solution if you’re overwhelmed by debt and have no hope of paying it off even with reduced payments.

If your debt load is small — you can pay it off within six months to a year at your current pace — and you’d save only a negligible amount by consolidating, don’t bother.

Try a do-it-yourself debt payoff method instead, such as the debt snowball or debt avalanche.

If the total of your debts is more than half your income you’re better off seeking debt relief than treading water

Hey ya’ll ! I really love finances and talking about ways to make it easier to make more, save more, give more, and of course spend more. So most of the stuff we will be diving into will be related to finances with the odd topic here and there, plus maybe a special appearance from Rocko, my big pittie baby! I want to start off with easier concepts and the basics of money and work my way into the more difficult and nuance topics. You may be asking, why would I ever listen to you about anything? That’s a fair point, and you don’t have to. However, I would love to take this journey with you into the financial world and together we can learn and grow, not only our knowledge but our bank accounts too! I am not a Financial Advisor, any investment commentary are my opinions only.

Example

Clothing account – 23% owing R5000
Personal loan – 16% owing R15000
Credit card – 17% owing R10000
Overdraft – 23% owing R1000

Owe R31 000 – so you get a new loan for R31 000 and pay off the multiple loans. then you are left with one.

Average 19.5% so make sure you get a new loan of an interest rate lower than 19.5%

In this video, Keith Wright breaks down some tips to help you pay off credit card debt while saving time and money on interest.

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Chapters
0:00 – Intro
0:32 – What is debt consolidation/Credit card interest rates
1:22 – #5 Payday Loan
1:57 – #4 Personal Loan
2:34 – #3 Personal Line of Credit
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Top 10 Debt Consolidation Loans for Bad or Fair Credit 2022 (Massive Amounts Approved and Low APR). Need a debt consolidation loan for a large amount and dirt cheap APR? Check out this video.
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Getting a personal loan to consolidate your debt can be a good option in some cases. However – there are also risks you should be aware of, so make sure you consider all of your options before applying for a loan.

Compare Personal Loan Lenders:
https://infoforinvestors.com/loans/personal-loans/?utm_source=youtube

The Smart Investor Best Debt Consolidation Loans:
https://infoforinvestors.com/loans/personal-loans/best-debt-consolidation-loans/?utm_source=youtube

Read our full article:
https://infoforinvestors.com/credit-cards/guides-credit-cards/credit-card-debt-consolidation/?utm_source=youtube

Debt consolidation loans can help reduce your outgoings and pay off expensive credit.
However, there can be pitfalls and you could pay more over the term.
This debt consolidation loan video will help you understand the main points, benefits and risks. #debtconsolidation #loan #debtconsolidationloan

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