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I Have A $27,000 Credit Card Debt Mess!
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00:00 Savings Balances
00:57 Credit Card Debt
02:46 Delinquencies
05:06 Emergency Fund Stats
05:55 HYSA
08:35 Fixing Low Savings

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Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research.

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Recommended:
Once You Get $1000, UPGRADE These 5 Things IMMEDIATELY: https://youtu.be/5PboC9c3fRI

What Is The Minority Mindset?
“The Minority Mindset has nothing to do with the way you look. It’s the mindset of thinking differently than the majority of people” ~Jaspreet Singh AKA The Minority Mindset
#MinorityMindset #JaspreetSingh

My recommended tools! Please note: Although these are our sponsors & advertisers, these are companies that I trust and use (or have used). The compensation doesn’t affect my recommendations or advice. However, you should always do your own research & never blindly listen to a random guy on YouTube.
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3) ???? Policygenius – Get a free life insurance quote:
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4) ???? Vaulted – Buy physical gold on autopilot:
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Video host: Jaspreet Singh

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DISCLAIMER CONT’D: I’m just a random guy on YouTube so do your own research! Jaspreet Singh is not a licensed financial advisor. He is a licensed attorney, but is he is not providing you with legal advice in these videos. This video, the topics discussed, and ideas presented are Jaspreet’s opinions and presented for entertainment purposes only. The information presented should not be construed as financial or legal advice. Always do your own due diligence.

Plus, Eli Lilly will cap out-of-pocket costs for its insulin at $35 a month and Nissan is recalling more than 700,000 vehicles due to an issue with the key fob shutting off the engine.

#news #debt #money #abcnews #nissan #insulin

What happens once I have my debt review clearance certificate?

For the full article: https://www.libertineconsultants.co.za/blog/what-happens-once-i-have-my-debt-review-clearance-certificate.html

Keep an eye on the blog in the coming weeks and months for more expert insight into everything associated with debt review in South Africa. In the meantime, feel free to reach out to a member of the Libertine Consultants team if you want to learn more about the services we offer.
#debtreview #debtclearance #debtreviewremoval #debtrelief

I Have $70,000 in Credit Card Debt!
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Welcome to The Dave Ramsey Show like you’ve never seen it before. On this channel, you will find all of the greatest highlights from The Dave Ramsey Show! The show also live streams on YouTube M-F 2-5pm ET! Watch Dave live in studio every day and see behind-the-scenes action from Dave’s producers. Watch video profiles of debt-free callers and see them call in live from Ramsey Solutions. During breaks, you’ll see exclusive content from our Ramsey Personalities —as well as all kinds of other video pieces that we’ll unveil every day.

The Dave Ramsey Show channel will change the way you experience one of the most popular radio shows in the country!

In this video, I share with you how you can avoid debt forever and pay off debt faster using the Debt Avalanche Method!

If you liked this video, you will also enjoy:
? How To Be Rich and Successful At A Young Age: https://www.youtube.com/watch?v=py0qufx9phk
? How To Make $100/Day With No Money: https://www.youtube.com/watch?v=Mdgt7yoCKeQ

Music Credit: Bensound – Dreams

If you have any amount of debt to pay off, you’re probably wondering what debt elimination strategy will get you back in the positive in the fastest time frame possible. In the United States, debt has been skyrocketing year after year with personal consumer debt surpassing $4 trillion dollars in 2019 which means that Americans could be doing a much better job when it comes to paying down their debts. In this video, I am going to share with you one of the quickest methods of paying down your debt: The Debt Avalanche Method. And if you’re new to the channel, hit the subscribe button below for more informative content!

You’re probably asking yourself, what is the debt avalanche method? Do I need to be able to ski? Will it be cold? The Debt avalanche is a strategy of paying off what you owe by prioritizing loans and credit card balances with the highest interest rates. You see, while it sucks to have to look at a huge debt balance every time you check your bank balance, what’s worse is paying annoying interest charges. At least when you accumulated debt by buying goods and services you get value out of those things but interest charges are zero value-added expenses. Therefore, the goal of the debt avalanche is to minimize the amount of interest you pay, allowing you to put more money towards paying off the principle which in turn will allow you to be debt-free much sooner than if you were to use other strategies like the debt snowball.

Step #1: List out all of your debts
On a piece of paper or an excel spreadsheet, list out each one of your debts from the highest interest rate to the lowest. This could include anything from money you owe your brother, to credit card debt and even your car loan just to name a few. An important point to note is that you are arranging your debts from the ones with the highest interest rate and not the highest interest charge. While a large balance with a smaller interest rate may be costing you more money every month than the one with the highest interest rate, in principle, having the loan with the highest interest rate still outstanding is still the most costly.

Step #2: Make all your minimum payments
After you’ve listed out all of your debts from the highest to lowest interest rates it’s now time to write down each of their respective minimum payments. Every month, it is critical that you make the minimum payments on each one of your debts as missing payments will not only increase your debt but will also affect your credit score. In fact, being just 30 days late on a payment can reduce your credit score by up to 100 points making getting a future mortgage or even a job that much tougher. As a best practice, set up a reminder in your phone to make each one of your payments because often times life can get busy and having a reminder means one less you have to think about.

Step #3: Pay down extra on your highest rate debt
You’ve now set up your debt listing and have made all of your minimum payments, it’s now time to really get the debt avalanche rolling. In order to do this, what you’ll want to do is put any extra disposable income you have towards your highest interest debt. And if you’re thinking to yourself, I wish I had extra disposable income then it’s time to roll up your sleeves and get to work. Most people have more free time than they think and one of the best ways to use this time to make more money. This could be in the form of taking on more shifts at work or picking up side projects. No matter what this extra work looks like, the key is to funnel all that extra income towards your highest interest debt allowing you to pay it off as fast as possible.

Step #4: Keep the avalanche rolling
At this point, you are making solid progress at paying down your debts by prioritizing them and earning extra cash to put towards them. Within no time, you’ll be able to stroke off the first debt on your list allowing you to begin to focus your attention on the second one. In order to keep the avalanche rolling, you will need to do three things: continue to make the minimum payments on each debt, earn extra income and finally add all previous debts’ minimum payments to your new monthly debt contribution. So for instance, if the debt you just paid off had a $200 minimum payment, you will add that amount to the minimum payment contribution on your next highest debt creating an avalanche effect of a much greater payment. And this larger payment, when compounded with extra income you’re earning, will make your debt load evaporate in no time!

The National Credit Amendment Bill aims to provide relief to low-income earners, by erasing part or all of their debt.

For more on this, we’re joined by Norton Rose Fulbright Attorney’s Riccardo Petersen.

Courtesy #Dstv403

Banks wanting to foreclose on farmers will be forced to head to mediation first, under proposed new law. Agriculture Minister Damien O’Connor discussed the Farm Debt Mediation Bill with Lisa Owen.

Q. I have a bad credit score. Can I get a debt consolidation loan?

A. Your credit score is a reflection of how you handle credit and debt. A bad credit score shows that you haven’t handled your credit accounts responsibly so a new creditor is unlikely to offer you a debt consolidation loan with a low interest rate.

Even though you may not qualify for a debt consolidation loan there is a way you can reduce your debt and save some money in the process.

It’s called debt negotiation also known as debt settlement. You can negotiate with the creditor or debt collector to settle your debt for less than what you owe. Of course, your lender will need to accept the settlement and agree to cancel the remainder of your debt. Most of them will agree to settle since they would get nothing if you decided to file for bankruptcy.

Plus, debt negotiation is not as severe a hit to your credit score as a bankruptcy filing.

If you don’t want to hassle negotiating with your creditors, you can hire a BBB accredited debt negotiation company to do it for you. Visit https://www.nationaldebtrelief.com to learn how to consolidate your credit card debt without bankruptcy.