Hi! In today’s video, I was so excited to share our debt progress that I forgot to hit record and did a rehearsal run before actually recording this video or our debt review for January 2021. ?
Hope you enjoy the video!!

Answers to your burning questions:
What is your Instagram handle?
• its_brendle – https://www.instagram.com/its_brendle/

What planner do you use for your budget?
• Erin Condren – https://www.erincondren.com/referral/invite/brendacline/1
*If it is your first time buying & creating an account, you will get a $10 off coupon your first purchase and I will also receive a $10 coupon*

Where can I find this sticker kit?
• Caffeinated Cait’s Etsy page – https://www.etsy.com/shop/CaffeinatedCait
• This kit is called January Crystals
• I do cut and modify them a little.

What pens do you use?
• Sharpie Gel pen 0.7 (black)
• TUL pens (all colors except red)
• Pilot G-2 07 (red)

What camera do you use to film?
• GoPro Hero8 Black

What free editing software do you use?
• Shotcut – https://shotcut.org/download/

What program do you use for my intro, outro, & thumbnails?
• Canva – https://www.canva.com/join/asking-backdrop-malaga
• I use the free version
*If you use this link, we will both receive Canva Credit towards premium elements, such as images, illustrations, icons, and music*

What color nail polish are you wearing?
• Moon River by Lights Lacquer – https://lightslacquer.com/products/moon-river
• Tuxedo Black by Lights Lacquer – https://lightslacquer.com/products/tuxedo-black
• Paper Snow by Lights Lacquer – https://lightslacquer.com/products/paper-snow

DISCLAIMER: The links included in this description might be affiliate/referral links. If you purchase a product or service with the links that I provide I may receive a small commission. There is no additional charge to you! Thank you for your support!

So, what are the pros and cons of debt relief, or debt settlement?

Let’s start with the pros. Settling your debts through a debt relief, or debt settlement company could resolve your debts in a shorter amount of time.

When you enroll into a debt relief or debt settlement company, they negotiate down your debts on your behalf with your creditors, so that way you can settle your debts for less.

Nothing happens overnight, however, in a few short years, or even months, you may be able to have your debts resolved and paid off for good.

Settling your debts may be a better option than filing bankruptcy, depending on where you’re at financially.

Everyone’s financial situation is different, so that would be something that you would have to talk with a debt expert about to make sure that debt relief or debt settlement is the right option for you.

In a debt relief or debt settlement program, you typically have one lower monthly payment that you can afford to pay, and throughout the program, when you resolve your debts, you’re settling your debts typically for less.

Okay, so here are the cons. Debt settlement could negatively impact your credit, however, if you have a high debt-to-income ratio, that may already be keeping you from getting a loan, even if you have a good credit score. You may be charged a fee if your debts are settled.

A debt relief company is not able to charge you an up-front fee. However, if your debts are settled and you’re using their negotiators and their program, then you may be charged a fee for settling your debts.

Debt settlement and debt relief companies should not charge you a fee until they have reached a settlement agreement that you have agreed to. However, they are still a business and you’re using their top negotiators to settle down your debts with your creditors for less.

Although, you can settle your debts on your own without a fee, going with the right debt relief or debt settlement company that can get you results, may be worth it.

If you’re in financial hardship, debt relief or debt settlement may be a good option for you because you can settle your debts for less and in less time. Your credit, however, may take a slight impact, but once you resolve all your debts, you can start rebuilding your credit again and start fresh.

Thank you for watching, feel free to like, comment, or share on this video below. And if you want more information about if debt relief or debt settlement is the right option for you, visit us on our website at alleviatefinancial.com.

Schedule your free debt analysis with an Alleviate Financial Solutions debt expert here -https://alleviatefinancial.com/get-started/

Find us on Facebook: https://www.facebook.com/alleviatefinancial

Read more on our blog: https://alleviatefinancial.com/blog/

#alleviatefinancialsolutions #debtrelief #debtsettlement #whartaretheprosandconsofdebtrelief

Judith explains how she got into debt and how debt review helped her get her life in order. She also has some advice for current over-indebted consumers.

The numbers are in for the month of January!

My Etsy Shop:
https://www.etsy.com/shop/TheUrbanScavenger?ref=search_shop_redirect

The numbers are in for the month of November.

My Etsy Shop:
https://www.etsy.com/shop/TheUrbanScavenger?ref=search_shop_redirect

In this video we discuss how tough economic times can put so much pressure on us, we touch on why debt review could be the best solution for you!

For more information please visit www.nationaldebtadvisors.co.za or call us on 021 003 8733

This is my debt update for December 2020 and a review on my progress in in the year of 2020. I started my first job in March 2020 and started paying off debt in May 2020. Making this video and reflecting on my progress this past year has relit my motivation to pay off debt in 2021.

Please like, leave a comment, and subscribe if you enjoyed this video and would like to follow my debt free journey.

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Things I Use:
Highlighters: https://amzn.to/3d63I4V
Pilot G2 (0.38mm): https://amzn.to/2YsAdoq
Tombow white out: https://amzn.to/385X39W
ParKoo Erasable Gel Pens: https://amzn.to/3hsaXHq
Title/End screens: https://amzn.to/37CRoYN, https://amzn.to/2zzlJe8
Camera mount: https://amzn.to/37tCK64
Filming Lamp: https://amzn.to/2NGT4Hj
Filming: iPhone XS Max

Referrals:
Erin Condren – $10 off your first purchase: https://bit.ly/3fRJ3Ut
Rakuten – $10 cash back when you spend $25: https://bit.ly/2LxXRK5
Plum Paper Planner – send an email to avabudgets@gmail.com and I can send a link to save 10% off your first purchase

Do you ever find yourself asking the question – what is Debt Review? Debt review is viable option for struggling consumers in these tough times. Learn more about it here: https://nationaldebtadvisors.co.za/

DOn’t mind where I am looking, I was trying out some mirror thing LOL

Result of Small Debt Counsellor Category at the 2020 Online Debt Review Awards Show.

For more info: www.debtreviewawards.co.za