In this video I’m sharing the one tip I used to pay off credit card debt faster even when I didn’t make a lot of money!

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?Time Stamps
0:01 Introduction
0:43 The backstory
2:55 What is an APR?
3:56 Step 1
4:39 Features to compare
5:56 Step 2
7:19 Step 3
8:04 My card recommendations

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Sound by: Epidemic Sound and Zapsplat.com
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????About Me:
Hey I’m Dyana, single mom of 2 and the creator of Money Boss Mama. After becoming debt free, I now share my life on a budget and money tips as I work to create generational wealth!
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Disclaimer: I’m not a financial expert, accountant, or anything related. I am not qualified or certified to give financial advice. This channel’s content is not to be construed as personalized advice. However, I am sharing my personal experience and individual opinions. If you are looking for financial advice, please seek the services of professional advisers.

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Video Title: Remove Late Payments Fast! How to Dispute & Avoid Debt Consolidation Traps

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Consumers appear to have marginally improved in their debt management.

That’s according to the latest Experian Consumer Default Index, which showed an improvement in the behaviour of South African consumers who have secured home loans, vehicle loans, personal loans and credit cards in the three months that ended in June 2024.

Nompumelelo Siziba filed this report.

For more news, visit sabcnews.com and #SABCNews on all Social Media platforms.

Do you have unsecured debt and have looked into debt consolidation loans? Before you do make sure you answer the questions brought up in this video.

National Debt Relief’s Financial Wellness Board Member Marc Russell will help you understand if credit card debt consolidation is a good choice by covering:

– What is Credit Card Debt Consolidation
– Types of Credit Card Debt Consolidation
– Pros and Cons
– When is it right for you?
– How to choose the right lender

Learn more about credit card debt consolidation at:
https://bit.ly/4d1EELh

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National Debt Relief’s award-winning approach to debt relief helps people on their path to becoming debt-free as quickly and inexpensively as possible. Our Whole Human Finance approach to debt relief focuses on the “whole human” realities of debt and its impact, and supports our clients behaviorally, emotionally and psychologically during their debt relief journey.

National Debt Relief is rated A+ with the Better Business Bureau and has been ranked #1 in debt settlement by Forbes Advisor for two consecutive years. We’ve helped over half a million people resolve their debt, reclaim their independence and get their life back on track. We work with most major creditors and banks to reduce our clients’ debt, and we can help with most unsecured debt, like credit card debt, medical debt, personal loans, private student loans, collections, small business debt, and more.

For anyone with at least $7,500 in debt and feeling overwhelmed by it, call us for a free, no-obligation consultation to see how we can help. You can learn more about debt relief, managing expenses and more on our blog at https://bit.ly/4cTabyQ

We’re one of the top-rated and best debt relief companies in the United States.

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Show notes:

[1] – How To Make A Budget To Pay Off Debt https://www.nationaldebtrelief.com/blog/financial-wellness/budgeting/how-to-make-a-budget-to-pay-off-debt/?src=ytube.organic&aff_sub=creditcarddebtconsolidation&aff_sub2=description

Are you struggling with debt that seems to grow endlessly due to interest? Debt consolidation loans might offer a solution. Prosper CEO David Kimball joins Wealth to discuss the pros and cons of this debt relief option.
Kimball emphasizes that the current high-interest rate environment is a primary reason to consider debt consolidation. By consolidating debt, borrowers can potentially reduce interest rate costs, especially if they’re carrying balances across multiple high-interest credit cards. This approach allows for a transition from higher-interest debt to a single, lower-interest loan.
However, Kimball stresses that the real key to financial health lies in managing finances and changing habits. He explains, “It really comes down to whether or not you have the capacity, and ultimately, if you don’t change your habits, if you keep spending the way you were spending, you’re going to take this debt from your credit cards, put it on a debt consolidation loan, [but] your credit card lines are still open. If you begin to spend on your credit card lines again, what you’re doing at that point is creating more debt.”
Kimball cautions that this scenario is a significant drawback of debt consolidation. He advises, “You need to face your finances, understand them, and make a budget. For some people, you’re going to have to change your spending behavior for this to be a really effective tool.”
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Discover the number one way to tackle the debt situation in the United States through smart fiscal policy and a focus on lowering the deficit. Learn why sustainable long-term debt management requires a country with sound financials, and how productivity and smart budgeting can lead the way. Explore examples, including Australia’s approach. #DebtManagement #FiscalPolicy #LoweringDeficit #FinancialSustainability #BudgetingTips #ProductivityMatters #UnitedStatesDebt #SmartFinance #DeficitReduction #FinancialStability

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We really want to help lighten your debt payments so you can get ahead in such difficult challenging times. Our goal is to help everyone eventually be debt free and a big part of achieving that is lowering the cost of debt.

Shop around to up to 40 lenders at once without negatively affecting your credit score (SOFT CREDIT CHECK) by applying with one of our premium lenders on our marketplace page. Behind the scenes, we will check your rate with 40 other lenders. You will see all the approvals and you will be able to choose the loan that best meets your needs: https://theyukonproject.com/product-comparison/compare-personal-loans/

Comparing up to $100,000 Personal Loans: LightStream Personal Loan versus Truist Personal Loan.
00:00 – What kind of companies are LightStream and Truist?
01:01 – Loan amounts
01:40 – Term lengths
02:15 – Who will they approve?
02:44 – Comparison of APRs
03:21 – Origination fees
03:34 – Will they accept cosigners?
04:07 – Late fees
04:28 – Direct payoff for debt consolidation
04:57 – Available discounts
05:08 – Summary
05:52 – How to get the best deal
06:21 – Easiest way to shop around
Let’s summarize what we’ve learned about personal loans offered by LightStream and Truist.

Interestingly, LightStream has considerably more green cells than Truist does. They have more features and they are a little more clear about their policies. I find it unusual that Truist isn’t more clear than they are. Banks are often the most transparent lenders because they are so closely scrutinized by federal regulators. So, I find it a bit of a yellow flag that Truist doesn’t share easy answers to pretty standard questions about their personal loans. As is often the case, the most important issue is whether you can get the money you need at the lowest possible price. If one of these brands will do that, you should probably go with them. But, here’s the thing: every lender has a different algorithm for whether to accept you and what rate to offer you. Even though LightStream is owned by Truist, they have a different lending algorithm. That’s why we think it is so important that before you accept a loan, you shop around. You should see if you can get 3-4 offers before you decide who to go with. That will ensure you’re getting the best offer you can possibly get.

At The Yukon Project, we’ve tried to make shopping around easy. If you visit our marketplace page, you can apply to any one of our other featured lenders. Behind the scenes, we will check your rate with up to 40 other lenders. Our partners use a soft credit check, so applying won’t hurt your credit score. We will show you all of the approved offers so you can pick the loan that’s best for you.

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Did you know here are some of the top reasons folks use a personal loan for:
– Personal Loan
– Debt Consolidation
– Credit Card Debt Consolidation
– Major Purchase
– Household Expense
– Moving/Relocating Costs
– Business Expenses
– Home Improvement
– Auto Expense
– Special Event Costs
– Medical Dental Debt
– Vacation
– Taxes
– Motorcycle Loan
– Baby/Adoption Loan
– Emergency Loan
– Boat Loan

#PersonalLoan #LoanComparison #LightStreamLoan #TruistLoan #FinanceTips #LoanAdvice #MoneyMatters #SmartBorrowing #FinancialFreedom #LoanOptions #CreditSolutions #PersonalFinance #LoanReview #MoneyManagement #FinanceEducation #BorrowingWisely #LoanGuide

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Debt Consolidation Explained (Pros and Cons):

Debt consolidation is a financial strategy that involves combining multiple debts, such as credit card balances, loans, or other outstanding obligations, into a single, more manageable loan or payment plan. By doing so, borrowers can simplify their financial situation and potentially secure a lower interest rate or more favorable repayment terms. This consolidation typically occurs through a personal loan, balance transfer credit card, or home equity loan. The main aim of debt consolidation is to streamline payments and reduce the overall financial burden, making it easier for individuals to regain control of their finances and work towards becoming debt-free.

This video goes over what debt consolidation is but also covers off some of the key pros and cons that individuals should consider when it comes to debt consolidation.

Please note that this video is for educational and entertainment purposes only and should not be considered financial advice.

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