Debt Counselling
Struggling to keep up with monthly payments? You’re not alone.
Watch the full video to learn how a debt management plan could be your structured path forward ????
Financial coach Rob Wilson TV breaks it all down in 5 debt relief options that actually work (Which one is right for you?):
? FREE financial counseling session first
? Counselor reviews your budget & debts
? Creates a structured 3–5 year repayment plan
? You make ONE monthly payment to the counselor
? They distribute payments to your creditors
Perfect if you’re:
• Only making minimum payments
• Juggling multiple cards
• Starting to fall behind & feeling stressed
It’s not a quick fix, but it’s STRUCTURED debt relief without needing a loan ????
Want to explore ALL your debt relief options and see if a debt management plan is right for you? This video covers real examples and compares which debt relief options may work best for your situation.
Plus, learn how Freedom Debt Relief supports people just like you—offering proven paths to financial freedom. Whether you’re behind on payments or just need a plan, Freedom Debt Relief can help you take that next step.
#freedomdebtrelief #debtrelief #debtreliefoptions #financialeducation #debtmanagement #debt #shorts
Order your copy of The Let Them Theory ???? https://melrob.co/let-them-theory ???? The #1 Best Selling Book of 2025 ???? Discover how much power you truly have. It all begins with two simple words. Let Them.
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This episode delivers the best financial advice you’ll ever hear.
It will teach you the 5 money habits that can change your life.
And it’s your guide to taking control of your money: how to make it, save it, and invest it no matter where you’re starting from.
Whether you’re trying to feel more confident with your finances, buried in debt, living paycheck-to-paycheck, or want to learn more about investing, this episode
will shift the way you think about money, and what to do with it, for good.
Mel is joined by Morgan Housel, the bestselling author of The Psychology of Money and one of the most trusted financial experts in the world. His insights have helped millions of people feel more in control of their money and now he’s sharing them with you.
Morgan breaks down:
-The #1 mistake that’s keeping you broke
-The 5 habits that will transform your financial life
-Why every dollar you spend comes down to two kinds of decisions
-How to stop letting comparison control your spending
-What to do every time you get paid
-How to build wealth even if you’re starting from zero
-The exact investment strategy that beats virtually every single money manager
Mel will also share her story of going from $800,000 in debt, with maxed-out credit cards, a lien on her house, and no idea how she’d make it out – to how she finally turned things around.
You’ll walk away with a smarter, more empowered approach to money.
This is simple, practical, and research-backed financial advice that works.
If you’re ready to stop feeling overwhelmed and start taking control of your money, this episode is where it begins.
For more resources related to today’s episode, click here for the podcast episode page: https://www.melrobbins.com/episode/episode-327/
Click here to get tickets to Mel’s live tour, Let Them Tour 2026: https://www.melrobbins.com/the-let-them-tour/
Follow The Mel Robbins Podcast on Instagram: https://www.instagram.com/themelrobbinspodcast
I’m just your friend. I am not a licensed therapist, and this podcast is NOT intended as a substitute for the advice of a physician, professional coach, psychotherapist, or other qualified professional. Got it? Good. I’ll see you in the next episode.
In this episode:
00:00 Meet the Guest
07:16 ?You Can Get Good with Money
28:58 The #1 Thing that Will Keep You Broke
37:54 Every Dollar Comes Down to 2 Decisions
47:18 Morgan’s Top Investing Tips
59:30 The Difference Between Being Rich and Wealthy
01:07:49 The Importance of Saving
01:15:54 Enough is Better Than More
01:21:34 ?You Can Change Your Financial Story
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LinkedIn: https://www.linkedin.com/in/melrobbins
Website: http://melrobbins.com?
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A note from Mel to you, twice a week, sharing simple, practical ways to build the life you want.
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Listen to The Mel Robbins Podcast ???? New episodes drop every Monday & Thursday!
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Looking for Mel’s books on Amazon? Find them here:
The Let Them Theory: https://amzn.to/3IQ21Oe
The Let Them Theory Audiobook: https://amzn.to/413SObp
The High 5 Habit: https://amzn.to/3fMvfPQ
The 5 Second Rule: https://amzn.to/4l54fah
Ever feel like your credit card balance is playing games with you? You pay every month…and somehow, it’s still sitting there ????
@ACCreditCounseling partnered with The Budgetnista to share how our nonprofit, NFCC-member agency helps people manage credit card debt with personalized guidance — not quick fixes. You’ll speak with a certified counselor (for free) who can review your full financial picture and help you create a realistic plan.
Debt doesn’t define you. You’ve still got options.
Learn more at https://www.consumercredit.com/budgetnista/?ODSource=budgetnistayt
#DebtFreeJourney #ACCC #TheBudgetnista #CreditCardDebt
???? Get the Financial Fitness Framework eBook here: https://www.thefinancialeducator.co.za/fff-ebook
Debt Counselling Explained: The Process, The Myths & Real Client Savings ????
Are you overwhelmed by debt but too scared to ask for help because of the horror stories you’ve heard? In this video, The Financial Educator walks you through the official “Debt Counselling Explained” presentation to separate fact from fiction.
We break down exactly how this legal process works under the National Credit Act, how it protects your assets, and look at real-life before-and-after examples of clients who saved thousands per month.
???? IN THIS VIDEO WE COVER:
?? What is Debt Counselling? A regulated process to restructure payments and legally protect you from creditors .
???? The Warning Signs: Living on overdrafts, bouncing debit orders, or borrowing from family just to survive the month .
? The Step-by-Step Process: From Application and Assessment to the Court Order and finally, the Clearance Certificate .
???? Real Client Results:
Client A: Reduced monthly payments from R32,000 to R10,000.
Client B: Reduced interest rates from 28% down to 0.1%.
Client C: Saved over R10,000 per month on a R2.8 million debt portfolio.
???? Busting the Myths: Why you won’t lose your assets, why it’s not “just for irresponsible people,” and the truth about your credit score .
???? FREE RESOURCES & LINKS:
To see if Debt Counselling is right for you, access these tools:
? Download the Debt Planner: https://www.thefinancialeducator.co.za/debt-planner
? Book a Financial Assessment (Is Debt Counselling for you?): info@thefinancialeducator.co.za
? Request your Free Credit Report: https://www.jotform.com/form/252494130285557
Website: https://www.thefinancialeducator.co.za/
???? KEY TAKEAWAY: “Debt often comes from life events, not just bad habits. Asking for help is a responsible step, not a failure.”
#DebtCounselling #DebtReview #TheFinancialEducator #DebtFree #NationalCreditAct #FinancialFreedom #EduDebt
???? #TheFinancialEducatorZA #FinancialFreedom #DebtFree #SmartInvesting #Budgeting #FinancialEducation #FinancialLiteracy #FinancialCoaching #DebtCounselling #DebtRelief #DebtManagement #capetownsouthafrica
Looking to achieve financial freedom in South Africa? Whether you’re trying to get out of debt, improve your money management, or follow a proven financial fitness framework, this channel is here to help you grow.
We break down everything from budgeting tips and how to save money in South Africa, to personal finance strategies, smart money habits, and wealth building 101. Our content supports you on your debt-free journey and introduces you to the 9 steps to financial freedom that anyone can follow.
You’ll learn how to invest with confidence through financial education, explore how to invest in South Africa, and gain real-world money tips for beginners. Whether you’re interested in financial planning for beginners, boosting your money mindset, or working with The Financial Educator through financial coaching in South Africa, we’ve got you covered.
Set your money goals for 2026, stop living paycheck to paycheck, and start your financial glow-up. It’s time to get control of your money, go from broke to wealthy, and build the future you deserve.
Martin Lewis offers financial advice to callers.
???? Thinking about debt counselling but unsure about the cost?
Here’s what you need to know ????
At Gauteng Debt Counselling, the debt counsellor’s fee is a once-off amount — and it’s:
? Regulated by the National Credit Regulator (NCR)
? Deducted from your first month’s payment under debt review
? Transparent and clearly explained before you sign anything
???? After the first month, your full monthly payment goes toward your creditors through a secure Payment Distribution Agency (PDA).
No hidden costs. No surprises. Just a legal, trusted process that protects your assets and gives you room to breathe financially.
???? Ready to get started? Complete your free assessment today:
???? https://gautengdebtcounselling.co.za
#DebtCounsellorFees #NCRRegulated #DebtReviewSA #GautengDebtHelp #TransparentProcess #OneStepCloser
The answer: before debt becomes unmanageable. If you’re struggling with monthly repayments, relying on credit for essentials, …
Are you considering consumer credit counseling or debt management program in the new year to help manage your debt?
Here are some pros and cons for you to consider. Be especially cautious if you are planning on buying a home in 2024!
Apply anytime for a home loan at www.LetsTalkMortgage.Pro
Erika Slayton
NMLS 76823
Erika@LetsTalkMortgage.pro
Cell 210-219-7608
Are you overwhelmed by credit card debt, medical bills, or personal loans and wondering if a debt management plan is the right solution for you? In this video, we explain what a debt management plan is and how it works step by step, using clear examples and simple language for beginners. You will learn how a debt management plan can help lower your interest rates, consolidate your payments, stop collection calls, and get you back on track financially without filing for bankruptcy.
We cover why people choose debt management plans, what it takes to qualify, and what types of debt these plans actually work for. You’ll discover how much a debt management plan costs, how long it usually takes to complete, and what effect it can have on your credit score over time. We also explain the common myths about debt management plans, what to watch out for before enrolling, and who might not benefit from this option.
Throughout the video, we share real-life examples of people who used debt management plans to pay off debt faster and reduce financial stress. You’ll also find out how to start if you think this option is right for you and what to do if your income changes during the process.
This beginner-friendly guide answers all your questions about debt management plans and helps you make an informed decision. Whether you’re just starting your financial journey or looking for a way to regain control of your money, this video gives you the knowledge you need to decide if a debt management plan is the best choice for your situation. Watch now to learn everything you need to know about managing debt responsibly and effectively.
#DebtManagementPlan #PayOffDebt #FinancialFreedom #CreditCounseling #PersonalFinanceTips
