free Credit Counselling session for different schemes of Government of India such as STAND UP INDIA, MUDRA, PMEGP, CGTMSE, NCGTC, MSME etc,
Get answers to all your query related to loans under most of the different Government schemes, from certified credit counselor of RBI – RESERVE BANK OF INDIA, Implemented by SIDBI – Small Industries Development Bank of India.
Visit our official youtube channel:- SUHC-STAND UP INDIA HELP CENTER.

The first 1,000 people to use the link or my code erintalksmoney will get a 1 month free trial of Skillshare: https://skl.sh/erintalksmoney04221

When I was about 16 years old a read a book by the Debt Free King himself, Mr. Dave Ramsey. And upon reading that book I decided right then and there that I was NEVER going to take on any debt EVER!

And for the first 33 years of my life I stuck to that.

If I needed a car – I bought it outright. I certainly use credit cards – but I ALWAYS pay them off in. full -and you should too. When it came to buying a home – my plan was to buy it outright. I started saving when I graduated college.

But as I got closer to actually buying that home, I started to question my convictions.

What if committing to being debt free was the wrong choice?? What if my conviction was going to leave me financially worse??

What if being debt free wasn’t all it was cracked up to be?

Looking for more money videos, I post new videos every week, subscribe to my channel: https://www.youtube.com/user/midge087

While you are here, why not check out some of my other videos:

Wonder how much you need for retirement, here’s what the experts have to say: https://www.youtube.com/watch?v=NyC-5mEDJPk

What happens when a companies salaries are leaked: https://youtu.be/-9c0E6bNx-g

How much fo you need invested to live off dividends: https://youtu.be/g8iJP64gwP8

Is it time to quit your. job: https://youtu.be/r45C3GLGr7s

What is the three bucket strategy to retirement: https://youtu.be/hD5GhQg7HAk

What if you invested at the absolute worst time: https://www.youtube.com/watch?v=Oku_hG5h7H4

Looking to start investing in individual stocks, join Robinhood and get a free stock: https://join.robinhood.com/erinm1666

#nolongerdebtfree

ARE YOU SINGLE?! If so…join my singles community/course and unlock a FREE gift today: https://bit.ly/3ALvp09

Today, I have Pamela and Reginald Smith on the show to talk about how to buy land, why they bought 46 acres of land in Montana, legacy-building for Black families and how they became millionaires in their 30s.

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Connect with Me!
Website: http://bit.ly/2LQYSPN
Instagram: http://bit.ly/313Mv6r
Facebook: http://bit.ly/313Mwr1

Hey, fam! I’m Anthony. I’m fired up about meeting you where you are in a real, relevant, and relatable way. Here on this YouTube channel, we’ll be having honest conversations about finding our authentic selves by living life based on spiritual, financial, and mental freedom. At the age of 19—homeless and deep in debt—I turned my life around by becoming debt-free, and I decided to spend the rest of my life helping people avoid the same money mistakes I made. Today, by the grace of God, that’s what I’m doing every day with AO Enterprise. You can rock with me on Instagram @AnthonyONeal or online at anthonyoneal.com.

Disclaimer: Some of these links are affiliate links, which means I may get a commission if you purchase. However, none of the fees of these resources have been increased to compensate me. In fact, many of these have given me special discounts that I get to extend to you! ?

In this video “A Persons Value Is Above The Debts Value” Abraham Esther Hicks has a beautiful conversation with a wonderful man about debts and losing it all (from a material standpoint) as well as the economic and financial system.

Tip: You can use this video as a meditation too. I love sitting or lying in a comfortable position and listening to the conversation and knowledge of Abraham Esther Hicks

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??? Support Me On My Journey ???

? Buy me a coffee on buymeacoffee.com (pss.. I like coconuts more)
?? https://www.buymeacoffee.com/omgdreams

? Become a member of the beautiful omgDreams family on patreon.com
?? https://www.patreon.com/omgdreams

? My philosophy
??http://www.omgdreams.com/giving_first_philosophy

??? Thank you very much ???

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??? Thank you very much for your wonderful media ???
Photo by rawpixel.com from Pexels

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All Abraham-Hicks audio materials are copyrighted by Esther Hicks and we are sharing these following the USE OF COPYRIGHTED MATERIAL GUIDELINES:
https://www.youtube.com/user/AbrahamHicks

For additional information please visit the official website:
https://www.abraham-hicks.com/

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??? Powerful Habits ???

? Start Meditating ?
Meditation is “the” wonderful act to silence your mind and to connect to source.
A very practical tip to start meditation is to breath in deeply and to breath out deeply. Repeat this breathing several times and you will feel a different state of your mind after a few seconds. Furthermore you can support your meditation with nature sounds and binaural beats.

? Build A Reading Habit
Reading books is such a beautiful habit. Sometimes you might not find the time to dive into the written adventures of an author and thats totally fine. A powerful rule of thumb is to read 20 pages a day (that are 600 pages a month or around 2-3 books a month and around 24-36 books a year). This reading habit will change your life for the better and may change your direction totally 🙂 So give it a try and start reading now.

? Stay Positive
Positive vibes are so important and a very noteworthy quote is the following one: “Your problem is not the problem, your reaction is the problem.”
Stay positive and always react in a empowering and positive way, this will make all the difference 🙂

?? Follow Your Dreams
Do what your heart wants to do and dont do what other people might think is the right path to follow. Maybe it wont be easy but it will be totally worth it and you will become the most amazing person you can become.

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??? omgDreams Sites & Projects ???

?? www.omgdreams.com
?? www.instagram.com/omgdreams_goodvibes

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I wish you all the best for this wonderful day and a magnificent life in abundance ??????

It’s that time of year when we all make promises to ourselves about getting out of credit card debt. It’s time to take yourself seriously. Credit Cards are instruments of modern financial slavery and the sad truth is most of us do this to ourselves. Nobody forces us to rack up credit card debt. We usually justify it to ourselves but saying “I deserve this” or something like that. But the truth is the things we put on the credit card rarely buy us any happiness and serve only to force us into working for someone else’s benefit. So it’s time to make 2022 that year that you finally took yourself seriously enough to control your spending and free yourself from the slavery of credit card debt. You can slow the bleeding by getting yourself a new card that offers 0% interest on balance transfers for 12-18 months and no balance transfer fee. That buys you time. But the real work to be done is to get that spending under control!

#GetOutOfDebt #CreditCardDebt

What is Debt Counselling & How it works?

Debt Counselling is a legal program ?that is aimed at assisting over-indebted South African consumers who are struggling with their debt repayments. This program is regulated by The National Credit Regulator as per The National Credit Act.

Debt Counselling or Debt Review is a legal process that is designed to help over-indebted South Africans regain control of their finances by restructuring their debt according to a legally approved plan.

Who can apply for debt counselling?

South African residents can potentially benefit from this financial lifeline thanks to a piece of legislation called the National Credit Act of 2005 (NCA for short). The NCA created the concept of ‘debt counselling or debt review’ to help people who could not find any other way of coping with substantial money problems. This is called ‘over-indebtedness’ and means a situation in which your debts have become too large – or too many – to tackle without help.

If this is you apply online for a free assessment here.

https://ndrc.org.za/apply-online/

Consumers who are struggling to meet their monthly debt obligations qualify to apply for debt counselling. These consumers should have a distributable income, which will be used to offer reduced payments to their credit providers. Consumers married in community of property must jointly apply for debt counselling.

What does debt counselling involve?

The first step is to acknowledge that you are ‘over indebted’ and that you need this assistance. You apply for the help, and if you are eligible, a debt counsellor is appointed to help you do a full debt review. Your debt counsellor will also handle all discussions with your creditors, who can no longer contact you directly.

Once a practical repayment plan for your debts has been created, your debt counsellor gets a court order to make it all official. While this is happening, you are protected from legal action by any of the organisations you owe money to (called your creditors).

This is for a period of 60 days from your application date. This is your ‘breathing space’ to find a workable resolution, but you must be prepared to follow through on any arrangements that are made.

What are the benefits of debt counselling?

Having the advice and help of a debt counsellor is an excellent way to manage the situation when you’re overburdened by debt. Remember, they also handle discussions with creditors, so they bring their professional insights into the mix.

Your debt counsellor will work with you, and your creditors, to find a way to set up a repayment system that is equitable (balanced) with a realistic amount you can afford to pay each month.

One of the advantages is that you will have enough money each month for normal living expenses such as food and rent, which can be a big relief.

All of your debt repayments will be consolidated into one reduced monthly repayment plan.

Your assets, including your home and car, will be protected from repossession.

You will no longer get calls from your creditors demanding payment.

There is no permanent record of having undergone debt counselling.

There is only one monthly repayment to be made.

Your budget will meet your basic needs first before provision is made for debts.
You will never pay more money than you can reasonably afford.

A debt counsellor will suggest ways of cutting costs and saving money.

Gives you Peace of Mind that your debt is being paid.

Help You Live Comfortably with all living expenses covered.

Help You Reach Your Goal of settling the debt.

It helps you Change your financial spending behaviour.

You do not pay any money upfront.

What are the steps to apply for debt counselling?

Complete our Free Online Debt Assessment Form Here https://ndrc.org.za/apply-online/

It’s free of charge and only takes a few minutes.
Complete our online debt assessment and provide us with the details of your financial situation.
Submit all required documents for the initial assessment. (i.e your ID, Payslip, Bank Statements, Letter of Demands, etc).

We’ll assess and determine.

A Registered Debt Counsellor will determine whether your monthly expenses and debt exceed your monthly income.
A new monthly budget is made which covers all basic needs.

You’ll be placed under Debt Counselling or Debt Review.

You only pay a single, reduced payment, which you can afford!

The Application will be prepared for court and finalised.

How does it affect future lending?

You will not be able to take out new loans or create new debts until you have a Clearance Certificate. This shows that you have met all the conditions and obligations placed on you by the Court or Tribunal order; and that you have satisfied all the conditions outlined in the National Credit Act.

Learn more about debt counselling here
https://ndrc.org.za/what-is-debt-counselling-how-it-works/

The Credit Counselling Society is a non-profit service that has helped thousands of Canadians solve their debt problems. Call them today for free, confidential help: 1-888-527-8999.

We share a quick August 2021 Debt Free journey updated and outline why things have slowed down for us! Thank you so much for watching!
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Templates:

Download my budget template here! https://docs.google.com/spreadsheets/d/1UZ5RQG8aBWHFlNsnaflK3wqj27he4Iv9CnPBaZXOzuU/edit?usp=sharing

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Video Details:

Music – www.bensound.com/groovyhiphop
Graphics – Vecteezy.com/free-vector/
Presentation Software – Apple Keynote

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Our Top Videos

5 Types of Financial Independence Retire Early https://youtu.be/yuUsTGs57x0

Revealing Our FIRE Number https://youtu.be/wzpnSKyanx4

Order of Investing for FIRE https://youtu.be/F01n1HKkJ1E

Our Plan to Retire in 8 Years https://youtu.be/WScd62Xjh6I
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*** Affiliate Link Disclaimer *** This post contains affiliate links. This means I may earn a commission should you chose to sign up for a program or make a purchase using my link. It’s okay – I love all of these companies anyways, and you will too! Thank you for considering them.

Thank you so much for watching! If you enjoy my videos, please give this a like and subscribe. I appreciate you all SO much!

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Debt free Friday Background: I make weekly debt payments. I do this for a variety of reasons, like: saving money on interest, being motivated by seeing progress weekly and being less tempted to spend that excess money we have at the end of the week.

If you want to join, please tag me in your posts or videos so I can watch them! ???

??CONNECT ??
Follow me on Instagram: @dear.debt
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??FREQUENTLY REQUESTED LINKS??
Shop my Amazon favorites: https://www.Amazon.com/shop/dear.debt

??MY FAVORITE PERSONAL FINANCE READS??
Simple Path to Wealth: https://amzn.to/3bJzo1T
Total Money Makeover: https://amzn.to/3v8DgRU
The Psychology of Money: https://amzn.to/3ysk43G
I Will Teach You to Be Rich: https://amzn.to/2Sa6l0A

??FAVORITE APPS/DISCOUNTS??
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??FAQS??
What’s your name? Amy
How old are you? I am 29, my husband is 34
What degrees do you have? BBA and Masters of Science in HR&Labor Relations
What was your starting debt? $132,404

Please note: I am not a finance professional and just want to share my journey openly and honestly. This is only my experience and not intended to give financial or legal advice.

FTC: this video is not sponsored. Some links I provide are affiliate links that help support my channel. If you’d like to support me, I appreciate it so much! Thank you!

#debtfreefriday #studentloandebt #debtsnowball #budget #budgetmom #debtsnowballupdate #debtfreecommunity
#debtfreejourney #debtfree #financialpeace #budgetlife #zerobasedbudget #llnoe #gazelleintense #totalmoneymakeover #financialpeace #frugalmom #realnumbers #babystep2 #debtprogress #debtfreefuture #studentloanpayoff #studentloans #firejourney #financialindependence #daveramseybabysteps #daveramseybabystepsexplained #budgetwithme2021 #debtfreedomjourney #studentloansexplained

Debt. No one else sees it, but it’s always hanging around weighing you down.
Get debt off your back. The Credit Counselling Society is a non-profit service that’s helped thousands of Canadians solve their debt problems. Call them today at 1-888-527-8999. Their help is free, confidential, and it works.