The number of people making minimum payments on their credit cards is the highest its been since 2012. Charlotte Stallings, a financial coach and author, shares her advice to break the pattern.
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Debt Is Quietly DESTROYING Families in 2025
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DISCLOSURE: I am not a financial advisor. I am sharing my personal opinion on all topics discussed in my videos. Please seek professional advice when needed.
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Today I’m going through my student loan debt pay off strategy and kicking off my debt free journey. I’ll be looking at the exact amounts I owe in student loans, why I want to pay them off now, and how I am using my annual budget to determine how much I can realistically pay each month while still saving for my financial goals and unexpected expenses. Finally, we end with making my first payment.
Thank you for watching. If you enjoyed this video and would like to see more content like this, consider liking the video and subscribing to follow my financial freedom journey.
Resources / Links Mentioned
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If you would like, you can support my channel by buying me a Coffee. Any support will go towards paying off my student loans buymeacoffee.com/averysmoneymoves
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Videos / Channels Mentioned:
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https://www.youtube.com/@laurensmoneymindset Budget Spreadsheet: https://www.etsy.com/listing/1031721868/budget-spreadsheet?click_key=c2c52960388acf4c0598098de1c63e60adbda5f2%3A1031721868&click_sum=140bfb16&ref=shop_home_active_7
Chapters:
Intro: 0:00
How much I owe + Why pay off my loans now?: 1:04
Using my annual budget to determine the amount I can pay each month: 8:11
Making a payment!!: 23:11
A little about me:
My name is Avery, I’m 26 years old and I live in Ohio. I make a gross salary of $60k a year and have $18.5k in student loan debt. My channel is all about my financial freedom journey, going from a low income childhood to a (hopefully) financially prosperous adulthood.
tags:
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Message Title: Premarital Counselling #premarital #beforemarriage #yourspouse
Speaker: Brother David Raj Kumar, Lecturer in Botany – Andhra Christian College, Guntur.
Original YouTube Channel: https://www.youtube.com/live/LeFaT1kk4Gs?si=JTR71i5BwTyNETH9
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#??????, #?????? ????????, #??????, #??????????????, #???????, #???????? ???????, #????????, #??????????????? #????????????????? #Shorts #postmarriage #pre-marriag-counselling #pre-marriage #??????????????????????? #?????? #?????????????????????? #???????????????? #?????????????? #??????????????
Other Playlists for Shorts:
1. GOD looks for a Man – for shorts on sermon dt. 3 Mar 2024
2. The Beauty of God’s Order – for shorts on sermon dt. 1 Sep 2024
3. The manifold Grace of God – for shorts on sermon dt. 3rd Nov 2024
4. Family Seminar Part 01 #postmarriage #postmarriagcounselling #telugu
5. Family Seminar Part 02 #postmarriage #postmarriagcounselling #telugu
6. Family Seminar Part 03 #postmarriage #postmarriagcounselling #telugu
7. 2024-2025 WatchNight Service – Part 1 (till 31 Dec 2024 – midnight)
You are welcomed to share any video that I post in this channel without editing.
#shorts #marriage #debt #christian #wedding #finances #godlymarriage #biblical #money #wisdom #christianliving #testimony #responsibility #planning #financialfreedom
Discover the best debt consolidation loans in 2025 to simplify your payments and save on interest.
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Discover the best debt consolidation loans in 2025 to simplify your payments and save on interest.
Timestamp Sections:
00:00 Intro
00:34 Understanding Debt Consolidation vs. Debt Relief
02:10 National Debt Relief
03:30 Freedom Debt Relief
04:45 Accredited Debt Relief
05:50 Key Comparisons
06:57 Factors to Consider Before Choosing
08:08 Outro
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Overcoming Debt with Smart Solutions
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Dealing with debt can be overwhelming, but solutions like debt consolidation offer a practical path to financial freedom. By combining multiple debts into one manageable payment, you can simplify your finances and negotiate more favorable terms.
In this video, I’ll share my experience with debt consolidation and introduce you to four top-rated services that specialize in helping people regain control of their finances. We’ll explore each company’s offerings, the types of debt they handle, and their fee structures so that you can find the best option for your situation.
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Top Debt Consolidation Services
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First on the list is Freedom Debt Relief, known for transparency and working with the Legal Partner Network to settle debts efficiently. They charge fees between 15% and 25% of your enrolled debt and offer a custom payment plan. Next is National Debt Relief, which focuses on settlement negotiations for those with over $7,500 in unsecured debt, with savings often reaching 23%.
For faster results, consider Accredited, ideal for debts over $10,000, offering quick resolutions but requiring patience for credit recovery. Lastly, JG Wentworth, a well-known service, helps avoid bankruptcy with strong customer support and slightly higher fees ranging from 18% to 25%. Each of these services offers unique advantages, so choosing the right one depends on your financial needs.
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Exclusive Discounts and Final Thoughts
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If you’re ready to take the next step toward financial stability, use the affiliate links in the description for exclusive discounts on these services. By following a structured plan with any of these companies, you’ll reduce stress and work toward becoming debt-free in as little as two to four years.
Don’t forget to like, comment, and subscribe for more financial tips and reviews. Let me know in the comments which service you’re considering or any questions you have, and I’ll get back to you soon. Thanks for watching, and here’s to a debt-free future!
Hope you enjoyed my Best Debt Consolidation Loans in 2025 Video.
BSCC – Credit Counselling – Debt Help for Canadians – Avineet Kalsey 2025 Social News Interviews
How BSCC supports you on your credit rebuilding journey.
You don’t need to struggle with debt, BSCC can help reduce your debt by over 50%-90% RIGHT NOW – call us today at 1-866-790-8984 – it’s free!
or Visit:
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Tel: 604-951-8984
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Toronto Office:
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Brampton, ON L6T 5C6
Tel: 905-789-8984
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Calgary Office:
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Calgary, Alberta T1Y 6Z1
Tel: 403-714-8984
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Don’t spend another year racking up unnecessary debt and dig yourself deeper into an unrecoverable situation – we can help! You can avoid going into bankruptcy – it’s a negative mark on your credit and can last for 7-10 years – where a neutral credit counselling notation is REMOVED once someone completes the program. You really can turn your financial life around quickly – just call us and receive a free evaluation of your situation with some helpful advice and absolutely no obligation to take any action if you don’t wish to.
Remember – you DO NOT (and in a lot of cases, SHOULD NOT) always have to go into bankruptcy – we can share valuable information about your options that your bank or other credit counselling companies may not be willing to share with you – because it’s not in their best interest! We work on YOUR behalf, and thus ensure that you receive the very best information for your specific situation. Contact us today at BSCC for a free consultation about your finances – This can be the year that you begin on the journey to finally become debt-free!
For over 20+ years, the professionals at Business Solutions and Credit Counselling Services (BSCC), a registered, government-approved credit counselling firm, has assisted hundreds of thousands of consumers throughout Canada to avoid declaring bankruptcy, prepare a consumer proposal, rebuild their credit rating, and pay off their excessive charge card debt. These are clients who were once struggling to manage excessive debt and financial obligations. We work with each client individually, designing manageable, realistic programs to relieve their financial burden and stress.
For more information about using effective debt counselling nationwide wherever you live in Canada – and how to avoid bankruptcy and becoming debt free from high credit card debt or even business bankruptcies, please visit us at https://bscc.ca or call 1-866-790-8984 today! We have credit counselling offices in Toronto, Vancouver (Surrey), Calgary, Edmonton, Winnipeg, and Abbotsford.
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A report from the Philadelphia Federal Reserve also shows a record-high number of Americans are only paying the minimum monthly payment on their credit card bills, peaking at nearly 11% of all accounts in the third quarter of 2024. Ted Rossman, senior industry analyst at Bankrate, joined CBS News to discuss the issue.
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Learn how an accredited, non-profit credit counsellor can help you improve your credit rating
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“I was constantly getting calls from creditors. I was scared to pick up private numbers… I would definitely recommend Debt Mediators.” – Kayla
