This is PART 1 of our informative video series on things you need to know about Debt Counselling or Debt Review as a relief measure to curb the scourge of over-indebtedness. In this video we define the terms “Over-indebted” and “Reckless credit or Reckless lending”.

Remember to watch our upcoming video series on Debt Counselling/Review to stay informed on how the process works as well as some of its pros and cons. We would like to hear from you.

Cheers!

Today I’m going through my student loan debt pay off strategy and kicking off my debt free journey. I’ll be looking at the exact amounts I owe in student loans, why I want to pay them off now, and how I am using my annual budget to determine how much I can realistically pay each month while still saving for my financial goals and unexpected expenses. Finally, we end with making my first payment.

Thank you for watching. If you enjoyed this video and would like to see more content like this, consider liking the video and subscribing to follow my financial freedom journey.

Resources / Links Mentioned
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If you would like, you can support my channel by buying me a Coffee. Any support will go towards paying off my student loans buymeacoffee.com/averysmoneymoves
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Email Inquiries: averysmoneymoves@gmail.com

Videos / Channels Mentioned:
My New Budget for 2025: https://youtu.be/z8ESackGTU4?si=C1ky6oM4bcW8DLIQ
https://www.youtube.com/@laurensmoneymindset Budget Spreadsheet: https://www.etsy.com/listing/1031721868/budget-spreadsheet?click_key=c2c52960388acf4c0598098de1c63e60adbda5f2%3A1031721868&click_sum=140bfb16&ref=shop_home_active_7

Chapters:
Intro: 0:00
How much I owe + Why pay off my loans now?: 1:04
Using my annual budget to determine the amount I can pay each month: 8:11
Making a payment!!: 23:11

A little about me:
My name is Avery, I’m 26 years old and I live in Ohio. I make a gross salary of $60k a year and have $18.5k in student loan debt. My channel is all about my financial freedom journey, going from a low income childhood to a (hopefully) financially prosperous adulthood.

tags:
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If You Do Not See These Signs, Do Not Join Debt Counselling.

An income-constrained South African can benefit greatly from the process if they are finding it difficult to make ends meet. Especially for those who cannot keep up with monthly debt payments after falling further into debt. Debt review is safer, cheaper, and more effective than consolidation loans, which tend to be short-term and can end up getting consumers deeper into debt.

Are you having difficulty paying your debts on time and in full? Does it take a lot of effort to pay for your basic needs? Then you need a debt review.

A debt counsellor can help you with the legal process if you are over-indebted. To get help with debt, you need a debt counselor registered with the National Credit Regulator (NCR). Get in touch and I will recommend a few for you.
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00:00 Introduction
00:20 Reasons why you should only seek Debt Review
01:10 2nd reason to apply
02:00 3rd Reason.
02:59 4th Reason to apply Debt counseling
04:45 Advice when married COP
05:34 How interest Rate affects Debt Restructuring.
06:25 Budget Drafting
09:30 Contact Details.
09:56 The End
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?Debt Counselling South Africa? Debt Review South Africa ? The Debt in South Africa ? Debt Rehabilitation in South Africa?
?Debt Consolidation in South Africa ?South Africans Overwhelmed by Debt?
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Your Own Thoughts and Feelings determine your mental health.
https://youtu.be/cAE24P0xVEE

The bible when how and for whom it was written.
https://youtu.be/Ld94DBPaHzY
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? About Austin Kalajila
I am a person who is positive about every aspect of life. There are many things I like to do, to see, and to experience. I like to read, I like to write; I like to think, I like to dream; I like to talk, I like to listen. I like to see the sunrise in the morning, I like to see the moonlight at night; I like to feel the music flowing on my face, I like to smell the wind coming from the ocean. I like to look at the clouds in the sky with a blank mind, I like to do thought experiments when I cannot sleep in the middle of the night. I like flowers in spring, rain in summer, leaves in autumn, and snow in winter. I like to sleep early, I like to get up late; I like to be alone, I like to be surrounded by people. I like country’s peace, I like metropolis noise; I like delicious food and comfortable shoes; I like good books and romantic movies. I like the land and nature, I like people. And, I like to laugh.
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Channel Link: https://youtu.be/_AJjkoYvBCQ
??It is because of this reason that people are lousy at love.
??LET THEM GO | When life throws lemons at you make lemonade.
??Your Own Thoughts and Feelings determine your mental health.
??As my father’s daughter | I am proud to be my Father’s girl.
??Fight Against Child ABUSE, Emotional, and all forms of ABUSE
??A Special Dedication To All Mother’s. Mama I Am SORRY.
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#DebtCounsellingSA #DebtReviewSA #DebtReliefSA

National Debt Mediation Association CEO, Magauta Mphahlele, discusses debt consolidation.

Credit Counselling Society – Who We Help

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!

You’re off to college to acquire skills, graduate, get a well-paying job, and live the good life ever after. Not so fast. A mountain of college loans after graduation may weigh you down for decades as you struggle to pay them off.

Don’t let the financing of your education stand in the way of your future dreams. Save money, find little-known sources for money win scholarships you never thought you’d qualify for, pick the right loans and payment plans, and you can avoid devastating debt entirely.

Get smart before you get smart in college with tips and techniques in Screw College Debt. Create your own action plan using the 100-at-a-glance strategies to avoid and pay for college debt—before you get into money trouble. Or learn how to dig out with creative (legal) repayment strategies.

Knowledge is power. Go into the college game with the right winning strategies and plans. Marco LeRoc, founder of Marco LeRoc & Co., and author of Cash In with Your Money, helps you (and your parents) explore every money-saving strategy and answers every question from WHY (Why the heck is college so expensive?) to HOW (How do I avoid college debt entirely?).

Although banking and sovereign debt crises are not unusual, the crisis that has unfolded across the world since 2007 has been unique in both its scale and scope. It has also been unusual in being both triggered by, and mainly affecting, developed economies. Starting with the US subprime mortgage crisis, and the recession in 2007-2009, the problem soon erupted into financial crisis in Europe. A few of these countries came to the brink of bankruptcy, and were rescued by the EU and the IMF on the condition they adopt austerity measures. The detrimental social effects of the crisis in both the US and Europe are still emerging.

Although there have been several studies published on the US crisis in particular, there has so far been an absence of an accessible comparative overview of both crises. This insightful text aims to fill this gap, offering a critical overview of causes, policy responses, effects and future implications. Starting with the historical context and mutation of the crisis, the book explores the policies, regulations, and governance reforms that have been implemented to cope with the US subprime mortgage crises. A parallel analysis considers the causes of the European sovereign debt crisis and the responses of the European Union (EU), examining why the EU is as yet unable to resolve the crisis. This book is supported with eResources that include essay questions and class discussion questions in order to assist students in their understanding.

This uniquely comprehensive and readable overview will be of interest and relevance to those studying financial crises, financial governance, international economics and international political economy.

Discover the Top 5 Secrets to Graduating College Debt-Free! If you’ve ever wondered whether it’s true … REALLY TRUE … that … you can … • Graduate college owing little to NO debt … • Have someone else pay for your college education… • Not have your parents pay a single dime for your college education… • Get money for college without you having the highest GPA or SAT scores… • Get paid to go to college • Not have to worry or stress about how you will pay next semester’s tuition • Win scholarships when everyone else says it’s impossible or a waste of time … then … allow Shanice Miller to PROVE it to you. Shanice entered the summer before college without having any knowledge about college or scholarships and was easily on her way to being over $200,000 in debt when she graduated. After realizing just how much college was going to cost, she knew she had to do something fast so she started applying for scholarships. By graduation day, Shanice had graduated college 100% debt-free and had even received over $10,000 in refund checks from the college. What turned Shanice Miller around? The answers are between the covers of How to Graduate College Debt-Free With Money in the Bank. Now All of These College and Scholarship Secrets Are Yours!

The Debt Counsellor is appointed by the NCR set out by the National Credit Act. (section 44.(2) A person must not offer or engage in the services of a debt counsellor in terms of this Act, or hold themselves out to the public as being authorised to offer any such service, unless that person is registered as such in terms of this Chapter
The Debt Counsellor may be reprimanded by the regulator if he/she does not work in the frame work set out by the regulator and the NCA