In this video I’m taking you through the process of how a debt gets to be a prescribed debt, the Pros and Cons.

To book your credit repair program go to my website

https://thandofinancialeducation.co.za/

#creditrepair #creditreport #creditscore @MapaloMakhu @TalkingMoneyWithNozi@MirandaZulu

Today we discuss about how to get out of debt review

Digital Budget Check-in with a PAY RAISE!!!! Let’s check-in on my digital budget to see my pay raise and check-in on my No Spend Month challenge. PLUS, I owe you that TP Count!

Hi, I’m Liz! Here on Budget and Balance I share my health and wealth journey to improve my health and pay off $150,000 in DEBT by budgeting, savings, and side hustling! Hope you’ll join me.

#digitalbudget #budgetwithme #debtfreejourney

00:00 Welcome
01:20 Goals
02:01 Projects
03:05 Income w Raise
04:34 Fixed Expenses
05:08 Debt
07:30 Review
07:59 Variable Expenses
10:51 Savings
12:15 Roll Over
12:28 TP Situation

Instagram (reselling): @BudgetandBalanceLiz
Business inquiries: lifeaslizreaches@gmail.com

Did you catch these videos?
No Spend Month challenge: https://youtu.be/m8HXNyX_hI4
Federal Student Loan Repayment: https://youtu.be/9d4zlly9Eus
Debt Confession: My Secret https://youtu.be/ulGQYTX-IV8
Frugal Friday playlist https://www.youtube.com/playlist?list=PLMcSNU6WIlQYKdPrQ9F7H3gpqFkqhFt7k

Becky from @TheGoodKindofMidLifeCrisis is participating in the No Spend Month Challenge. Check out her channel!

My Favorites from Amazon
~Health & Weight Loss Related~
Never Binge Again (book) – https://amzn.to/43cOaHN
Scale – Etekcity Smart Digital Bathroom Scale w Bluetooth Sync – https://amzn.to/3uZQVNP
1 gallon motivational water jug – https://amzn.to/3h01PuW
Yoga Strap, loops, non-elastic band – https://amzn.to/3rYLCML
Undersun Resistance Bands – https://amzn.to/3I2LnG9
Fitbit Replaceable Bands – https://amzn.to/3yTohON

~Other Favorites~
Collagen Powder – https://amzn.to/3rBZOxD
Calm – Supplement https://amzn.to/3SGYTni
Book – Finding Meaning , the 6th Stage of Grief, by David Kessler – https://amzn.to/3I1mZEL
Journal – Self-Love Workbook for Women – https://amzn.to/3I6TxNC
52 Lists for Happiness – https://amzn.to/3v1eYMv

I created free resources to help you on your financial journey. When paying off debt and saving money are the goals, you don’t need to spend money on a tracker. If you would like to show your support, you are welcome to send it via Venmo, @Liz-Reach.
My Original FREE Budget Tracker: https://docs.google.com/spreadsheets/d/14WtlE3FpAfayCRhQeeeLxxruYQqqydov/copy
My FREE 100 Envelope Savings Challenge, Digital Tracker
https://docs.google.com/spreadsheets/d/1szHuvJgG6WZxjiDETsa38hxzzxXMsGulruL7InIBcAU/copy
YouTube Subscriber Savings Challenge
https://docs.google.com/presentation/d/1i3jL7MIdChZ8rPzeThGxZSLm8JA-eZH1n-x4oVeWFN8/copy

FREE Budget App Mint: https://mint.intuit.com/
TubeBuddy for YouTubers: https://www.tubebuddy.com/LizReaches

Want to shop where I sell?
Poshmark Closet: LifeasLizReachs
Earn $10 for Poshmark with my code LIFEASLIZREACHS, if you aren’t already on Poshmark
Ebay Store: https://www.ebay.com/usr/lizreaches
ATTN TEACHERS Check out my TPT Store: Reach, the Science Teach
https://www.teacherspayteachers.com/Store/Reach-The-Science-Teach

Some links are affiliate links, which means I earn a small commission if you click my link. It’s not extra cost to you and support my small business. Thank you!

There has been a surge in public debt in the US and other countries around the world. Are we going to face a looming currency crisis? In this episode, we talk to Jim Rogers and Peter Westaway to unpack these themes.

#jimrogers #usdebt #economy #debtcrisis

Ezekiel Anya-Etok,Public Affairs Analyst, Joined Nyamgul Agaji to review the biggest stories in Newspapers today.
Join us on weekdays at 7:15am on #OffThePress, as we discuss the biggest headlines in newspapers today.
Watch live on DSTV, Ch. 408, and StarTimes Ch. 308, or stream from our YouTube, Facebook, and Periscope platforms.

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What is a “good” credit score and is it the only criteria a bank considers? Join Maya Fisher-French with Absa credit experts Nick Nkosi and Ashwin Jugmohan to understand the criteria a bank considers when extending credit, how to make yourself more credit worthy and what to do if you cannot meet your debt obligations.

#moneymakeover #creditscore #creditscoretips

After 3 plus years Student Loan payments are resuming. The $1.7 trillion in student loan debt will cause those who owe this debt to cut back on spending. This will further slow down the economy. But if you or someone you know has student loan debt there are some things you need to do right now in order to tackle this debt and knock it out as soon as possible. So much for Student Loan forgiveness.

Join this channel to get access to exclusive instructional videos, member only learning tools, breaking financial news and much much more. Our membership section is designed to help you achieve and maintain economic independence in this ever evolving economy.
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Not A Subscriber Yet? Become a Soldier of Finance TODAY And Start Learning How To ACHIEVE FINANCIAL INDEPENDENCE!!

CHECK OUT THESE VIDEOS:
Rocket Money Honest Review
https://youtu.be/gTixsb6evuE

American Express High Yield Savings Account
https://youtu.be/JUz_owUH_zQ

https://www.youtube.com/c/MoneyChangesEverythingNow?sub_confirmation=1

Check out our website to learn how you may qualify to start your own business in the financial services industry.

https://www.mcenow.com/we-need-professionals-1

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*The host is expressing their own opinion. There are risks involved in investments in securities, crypto currency, real estate, private businesses, etc. None of the information provided or presented is intended to form the basis for any offer or recommendation or have any regard to the investment objectives, financial situation or needs of any specific person. Before you invest in ANYTHING you must do your due diligence.*

Key highlights of 2023 mid-year budget review statement by Finance Minister | BizTech
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Hi,

In this video I discuss debt review in South Africa. Debt review is a legal process that assists over indebted consumers with resolving their debt problems.
Process of debt review is:
To start the process, you would contact a qualified debt counselor, preferably a registered one with the National Credit Regulator. They would assess your financial situation, your income and your debts to determine if you truly are over-indebted. Over indebtedness means that you are not able to afford your obligations every month.
If positive, they would work with you to come up with an effective debt payment plan tailored to you. This includes giving your creditors a payment proposal, and if they accept, you’ll make one monthly payment to the debt counselor. The counselor will then pay your creditors on your behalf. This means that you don’t have to interact with creditors directly anymore.
Advantages of debt review:
1.If you have applied for debt review before any legal action was taken against you, then your assets (the things you own) are safe from repossession.
2. From the moment you are placed under debt review, you no longer need to deal with intimidating debt collectors who continuously harass you. When they call or contact you in any way — just tell them to contact your debt counsellor.
3. Your interest rates on your unsecured debt can be lowered down to as little as 1% — and your repayment terms can be lengthened.
With lower monthly interest rates and longer terms, your monthly repayments on your debt will be less.
4. All your payments will be consolidated into one monthly installment.
5. Your debt is consolidated without an expensive loan.
6. Since you pay less on your monthly debt, you have more money available for your essential living expenses like food, electricity and transport.
7. A good debt counsellor will go through all of your accounts and be able to assess whether you are the victim of reckless lending by your creditors. If this is the case, that debt could be entirely written off.
Disadvantages of debt review:
1. After your initial assessment with a debt counselling company, you may be informed that your current situation does not qualify you to go under debt review.
2. Some of your accounts, especially those which have been subjected to legal action, may be excluded.
3. Your debt may take longer to repay.
4. You may have to give up on a few luxuries in your life, but once you 5. become become debt free, it will undoubtedly be worth it.
5. You will be “flagged” at the credit bureaus — but you will not be “blacklisted”.
6. You will not be able to use any of your retail store cards or credit cards.
You will not be able to apply for new credit.
8. Its important to note that you have to continue to pay as per your agreement.
Process of debt review:
When you contact a reputable debt counsellor you will be given a free debt assessment to determine your level of debt and whether debt counselling is a potential solution for you.

If the assessment determines you are over-indebted and could benefit from debt counselling, you then decide whether to formally apply.

the debt counsellor will do most of the heavy lifting by informing all your creditors and the credit bureaus that you have applied for and are undergoing debt counselling

As part of the process the debt counsellor negotiates reduced monthly payments on all credit agreements that fall under the National Credit Act

Once more affordable repayment terms are negotiated, your rearranged debt is approved at a court or the National Consumer Tribunal to ensure the renegotiated rates are fixed for the duration of the debt counselling.
The magistrate’s court needs to make a finding that you are over-indebted and accept the payment proposal before it can be made a court order. 
This means creditors cannot change the terms or demand higher payments.

You will make one affordable payment each month, which is distributed to creditors included in the debt counselling for the duration of the plan.

Debt counselling usually lasts for between three and five years, depending on the amount of debt, the arrangements the debt counsellor is able to negotiate with creditors and what you can afford to repay each month.

Conclusion: Please do research and make an informed decision. This video is for information only

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Thanks!

Rob & Drastic Measure review the video titled:
“Time to acknowledge science’s debt to Islam | Mansur”
https://www.youtube.com/watch?v=ly9wFieUS7I&t=1021s