My Debt Consolidation Loan is Hurting My Cash Flow!
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Debt consolidation can help you pay off debt faster and help you save money by lowering your interest rate, if you do it the right way. If you don’t do it the right way it can cost you more money and take you longer to pay off. Learn how to use debt consolidation the right way. #debtconsolidation #financialseeds

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Content by Craig Bailey, licensed financial advisor, creator of Financialseeds.net Bible-based financial advice for millennial couples.

Debt consolidation is a debt relief option that rolls multiple debts into a single monthly payment. Learn how this can help you solved problems with debt caused by credit cards, student loans, and even back taxes. This video will help you understand this key debt solution so you can decide if consolidating debt is the right choice for you.

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Should I Consolidate My Debt? | Avoiding Bad Debt Consolidation Loans

Ever researched how to pay off debt fast and been told to use a credit card for debt consolidation. It sounds like just more credit card debt and it is! But if you understand what is debt consolidation and how debt consolidation works, you can easily get debt free while avoiding bad debt consolidation loans. No more student loans or credit card loans – just a soon-to-be debt free life. We’re walking through how to protect yourself from bad debt consolidation loans so you can pay off debt.

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Deciding between a balance transfer credit card and a debt consolidation loan depends on the terms you get, the repayment plan, and your comfort with risk. A balance transfer credit card is a great option if you can get a 0% introductory APR, AND you can pay off the balance before the period expires. A debt consolidation loan might be better if you need a more extended period to pay off the debt.

So, when thinking about debt consolidation, you need to think about these things:

1. Are you just kicking debt down the road? Meaning ae you paying off debt by taking out more debt? You have to lower your spending and be committed to not accruing more debt as you work on paying off
your debt.

2. If you have a low credit score, you probably won't be able to get a lower interest rate on the balance transfer or debt consolidation loan. So, first focus on making on-time payments, paying off debt, and increasing your credit score.

3. make sure you have a budget and have found a way for that budget to work successfully in your life.

Now, of course, I always recommend paying off your debt by buckling down, controlling your spending, and learning about why you are debt in the first place. Addressing and understanding why you go into
debt is critical if you want to make changes to stay out of debt in the future.

That said, when you are facing financial hardship, sometimes debt consolidation can help when you have high-interest debt that is not manageable.

CHAPTERS
Intro: 00:00
What is debt consolidation: 00:54
The benefits: 01:45
How to consolidate your debt: 03:23
Things to consider: 09:55

?? SHOULD YOU CONSOLIDATE YOUR DEBT: https://bit.ly/3e69JAv
?? SHOULD YOU CONSOLIDATE STUDENT LOANS: https://bit.ly/3oy9xPw
?? FINDING YOUR WHY: https://bit.ly/3aJUryj
?? THE BUDGET MOM’S FINANCIAL FREEDOM STEPS: https://bit.ly/3cfJXsp
?? HOW TO GET STARTED WITH THE CASH ENVELOPE METHOD: https://bit.ly/2vQJaO5
?? HOW TO CREATE A PLAN OF ATTACK TO PAY OFF DEBT: https://bit.ly/2wDETxF

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How a cash out for debt consolidation works.

So, is debt consolidation a good idea? The truth about debt consolidation comes out! There are many views on debt management: some believe that it is a good approach to get out of debt, but I have another take on that. Of course, in some particular situations, consolidating debt may actually be a good thing, since a higher interest rate can be devastating to somebody trying to get out of the debt pile. However, it’s important to know which situations could be compatible with debt consolidation approach, and in which situations it is better idea to adjust your spending habits and think of the way to increase income. Let’s analyze this and understand why I believe that debt consolidation is not the best way towards being debt free.

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#debt #debtconsolidation #debtmanagement

Let’s talk about debt consolidation loans. Specifically, is a personal loan your best option? How to save money by choosing the most affordable personal loan or credit card, how to pre qualify for these loans without even providing your social security number, how to get a loan with bad credit and some more pro-tips that will really help you tackle that debt.

Debt consolidation can be a great option if you are stuck in credit card debt with crazy high interest fees. Typically, when you consolidate your debt you should expect to save a bunch of money on interest, BUT it doesn’t necessarily guarantee a lower payment and I show an example of this in the video.

Credit cards might be a better option than personal loans when considering debt consolidation because even with bad credit because a lot of them offer the option to do balance transfers and waive the balance transfer fee and offer 0% interest for 12-18 months. For more information on balance transfers and some companies to consider, click the video below

Companies Discussed in Video:

Wells Fargo (Risk Free Calculator)
https://www.wellsfargo.com/personal-credit/rate-and-payment-calculator/#Good

Sofi
https://www.sofi.com/personal-loans/credit-card-consolidation-loans/

Avant
https://www.avant.com/

FREEZE YOUR CREDIT:
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https://www.transunion.com/credit-freeze
https://www.equifax.com/personal/credit-report-services/credit-freeze/

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Debt Consolidation Loans
Don’t make the same mistake I made… 4 TIMES!!!
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Everything on this channel is based on my opinion and research