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Struggling with loan debt? You’re not alone. In this video, I share my personal journey of paying off $37,800 in student loans in just 2 years using my two step approach.

Hello to all our friends!
This is Joel and Christy and it is our goal to help you save money, especially when it comes to your groceries. It is our hope that as we share and apply what we have learned throughout our debt free journey, you will be able to save money in The Long Run. Go ahead and subscribe so that you don’t miss these important tips.

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Today we will cover: We will be sharing our review of a new set of lavalier microphones that we purchased from Amazon. They are Rythflo wireless lavalier microphones. In this video, we decided testing our new mics in a Sam’s Club walkthrough would be a great way to make sure that the noise reduction worked.
We do have a section of the video that was recorded without noise reduction so that we could make sure you could tell the difference. I did not add noise reduction in the edit stage either to make sure that it was the microphone and not the editing software. If you would rather not here the static in the video, forward to 3:37:23

If you would like to check out the microphone for yourself, click here https://amzn.to/4cCmCPF

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Please let us know if you are looking for tips to live a healthy life without breaking the bank. Let us know if you have any video requests and we will try to provide a video as soon as possible.

Channel Lineup
Monday – Grocery Hauls, Meal Plan videos, Recipe Videos
Wednesday – Frugal Living Tips

??Check out our grocery haul playlist ?
https://www.youtube.com/playlist?list=PLisMmCmTQU1qXkJDZMGfA2FAvHXp03lQp

??Check out our budget/saving tips playlist ?
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??Check out our debt-free journey playlist ?
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??Check out our who are we playlist ?
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?? EARN & SAVE MONEY (SURVEYS & MORE!) ????

? FETCH REWARDS: (Receipt Scans) ? ????USE CODE: YF3GK ? ($2 BONUS) https://fetchrewards.onelink.me/vvv3/referraltext?code=YF3GK
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?? BUDGETING TOOLS WE USE ????

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?? ABOUT US

We are on a journey to learn to live healthy on a budget. Be sure to follow us as we share our frugal debt-free journeys. We will be sharing the tips, tricks, and strategies that we have learned to eat healthy without breaking the bank.

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DISCLAIMER: We are NOT financial advisors or health experts. All views and opinions on this channel are our personal opinions. PLEASE seek advice from a professional before making financial or health decisions.

Debt Review Removal Misconceptions

Exiting debt review in South Africa can seem like a quick fix, but there’s a lot of misinformation out there. Here are some common misconceptions that could land you in hot water;

Myth #1: The Debt Review Removal Process is Easy.

Exiting debt review isn’t a simple process. It requires following specific legal procedures based on each client situation.

Myth #2: There are No Consequences.

Not complying with a debt review court order can lead to serious penalties under Section 160 of the National Credit Act (NCA).
161. Any person convicted of an offence in terms of this Act, is liable-
(a) in the case of a contravention of section 160( I), to a fine or to imprisonment
for a period not exceeding 10 years, or to both a fine and imprisonment; or
(b) in any other case, to a fine or to imprisonment for a period not exceeding 12
months, or to both a fine and imprisonment.
(Section 161 of the National Credit Act of 2005)

Myth #3: Thinking that you will still enjoy the protection and benefits of debt counselling.

Leaving debt review means losing legal safeguards and reverting to original credit terms. Be sure you’re financially ready before taking the leap because some creditors will take legal action.

Myth #4: Lawyers Do It All (My Attorney will deal with this)

Attorneys cannot directly remove your debt review listing. Debt counsellors handle the process with attorney assistance when needed for court appearances.
Myth #5: I Can Easily Afford Debt Review Removal

While exiting debt review offers freedom, it’s important to understand the financial implications. Contrary to popular belief, debt review removal often incurs hefty fees. Legal professionals like attorneys and some debt counsellors can charge anywhere between R1500 and R12000 for the application process itself.

Here at The National Debt Review Center, we offer a transparent approach with a fixed fee of R8550, payable conveniently over 2-3 months. However, this doesn’t cover everything. You’ll still need to factor in:

Your original Debt Repayments: Exiting debt review means resuming your original debt repayments, so ensure your financial situation can handle that responsibility.
Outstanding Debt Counselling Fees: There might be outstanding debt counselling fees from your previous debt review plan.
Therefore, we strongly advise that if you are considering debt review removal, do so only if your financial situation has truly improved and you’re no longer over-indebted.

Read the full article here https://ndrc.org.za/thinking-of-exiting-debt-review-or-debt-review-removal/

#southafrica #moneymanagement #financialfreedom #personalfinance #ndrc #debtcounselling #creditrepair #debtrelief #financialtips #debtfree

A compilation of VERIFY reports produced locally by FOX54 in Huntsville, Ala.

– A viewer said campaign signs they found attached to stop signs were illegal. We sort out what state and local laws say.

– Debt collection emails can be stressful enough – but when fake ones enter the inbox, it’s time to call the VERIFY team!

– And Facebook ‘clubs’ promise astounding discounts and big-time freebies at national restaurant and grocery store chains – but are they legit? We have some tips for savvy deal-hunters.

The question arises whether once a Consumer has settled all their accounts (except a home loan) whether a debt review court order should be rescinded?
Vanessa Johst, discussed why it is not necessary to do rescind a court order.
Want to know more about debt review. Visit www.dcasa.co.za

In this video, I share step by step guide on how to clear your name on ITC Credit Bureau without lawyers. My friends did it and it worked.