Drawing on his personal experience and years as a pastor, public policy maker, and community leader, DeForest “Buster” Soaries, Jr. shares the twelve steps to achieving financial freedom in this groundbreaking, life-changing book—Say Yes to No Debt.

“The idea that debt is actually slavery is offensive to all of our sensibilities,” says Soaries, “but when we continue to spend what we don’t have, charge what we don’t need, and borrow more than we can repay, then we must call the problem what it is: slavery. Eliminating debt is the first step toward financial freedom. And we can do it.”

This is not another financial literacy program assuming that all people need is information. Soaries believes living in debt is an emotional, spiritual, and psychological problem as much as it is an educational and informational one.

Here, Soaries shares the twelve steps to financial freedom that have helped families in hundreds of churches. By replacing the “get more money” mentality with a “get out of debt” approach to financial freedom, not only were thousands of people able to become debt free, church’s that have used the dfree® strategy have experienced increased giving by their members.

Find out how you can leave a financial legacy of your own by saying yes to no debt.

Says Soaries: “There may be no greater need than to understand that debt-free living is the first step toward financial freedom. And the result is that we can enjoy life and leave a real legacy for our children.”

Win the IRS Game: A Step by Step guide to negotiating your IRS tax debt is a comprehensive step by step guide through the minefield that is tax debt. Amanda takes you by the hand and leads you the whole way. From the smallest debt to even those that seem impossible to manage. This book is for the every day person that finds themselves owing the IRS money and is determined to handle it on their own. Amanda breaks the whole process down from the beginning with common IRS notices, to the end of the negotiating process. She completely explains the IRS jargon and what each form is that you will need.

Meet our client Mr Esterhuysen, he is Debt Free

Debt Consolidation/2 Methods to Pay Off Debt
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Credit card debts among U.S Americans are now over $1 TRILLION!!
The average person in the U.S pays over $1000 in interest each year.

Debt consolidation is a great way to get out of debt by paying minimal to no interest on your debt.

There are two ways to consolidate your debt.

1. Fixed-rate debt consolidation loan.
(Just be becare and run your numbers if it makes sense to you. Focus on if it’ll save you money in the long run).

2. Opening up a credit card with 0% APR Balance Transfer.
(Look at a few different credit cards and compare transfer fees)

When it comes to paying off debt, there are 2 Methods to Pay Off Debt

1. Avalanche Method – This is where you start by focusing on paying the debt with the HIGHEST INTEREST first, while making the minimum payments on the rest. Once the highest interest rate debt has been paid off, you move on to the next debt payment with the highest interest rate.

2. Snowball Method – This is where you focus on paying debt with the SMALLEST AMOUNT first while making the minimum payments on the rest. Once you have paid off that debt, you use that amount you were paying for that debt, and apply it towards the next smallest debt.

Debt Consolidation Calculator:
https://bit.ly/3cVfSNI

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???Video Timestamp ???

0:00 – Debt Consolidation/2 Methods to Pay Off Debt
0:45 – Why paying off Debt is Important
2:00 – What is Debt Consolidation?
4:27 – 2 Debt Payoff Methods

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Reference

https://www.nerdwallet.com/article/finance/consolidate-debt
https://money.usnews.com/money/personal-finance/debt/articles/easy-ways-to-pay-off-debt
https://www.investopedia.com/ask/answers/111714/when-balance-transfer-good-idea-paying-debt.asp
https://www.cnbc.com/2020/01/27/how-to-pay-off-debt.html
https://www.moneycrashers.com/reasons-get-out-debt/
https://www.nerdwallet.com/article/finance/what-is-a-debt-snowball

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*Disclaimer: This is designed to provide general information AND entertainment. It is not intended to serve as professional legal, tax, or other financial advice. For individual situations, consult with a professional, attorney, CPA, and/or other advisor regarding your specific situation.

* Copyright Disclaimer Under Section 107 of the Copyright Act 1976, allowance is made for “fair use” for purposes such as criticism, commenting, news reporting, teaching, scholarship, and research. Fair use is a use permitted by copyright statute that might otherwise be infringing. Non-profit, educational or personal use tips the balance in favour of fair use.

When a brutal military regime commits one of the worst genocides in history against its own people, a loyal soldier turns rebel to avenge the deaths of those innocent millions of his community. He makes a daredevil escape through own deployments, reaches the “other side” and trains the guns on the very killers he once swore to serve. After months of bloody war, the soldier and his fellow fighters win victory. Bangladesh is born. That soldier, an army captain, fulfills a debt to his people. He tells his story in A Soldier’s Debt. A Soldier’s Debt is an emotion packed personal account of atrocities and triumph seen through the eyes and soul of a man on the ground. It captures intense internal conflicts against a setting fully loaded with suspense, bravery and thrills. In 300 pages of in-your-face details, the soldier (author) walks the reader through an escape that changes one’s life and a conflict that changes the world. Reader will relive the period, as writer and reader become one.

We are making progress in the right direction, but it’s slow going and I’m feeling pretty discouraged.

Summons from creditors is one of the expected outcomes of a bankruptcy. Your creditors will file a case against you when you fail to pay. When this happens, you need to seek debt mediation. This kind of arrangement is also known as debt settlement. Usually, the creditor you owe money will hire a credit collection agency to represent them in the case.

For more information, check out their website: http://www.debtmediators.com.au

The papers included in this volume represent the most current research and knowledge available about student loans and repayment. It serves as a valuable reference for researchers and policymakers who seek a deeper understanding of how, why, and which students borrow for their postsecondary education; how this borrowing may affect later decisions; and what measures can help borrowers repay their loans successfully.

Debt Counselling and Review: At Lifeline Debt Solutions we offer a comprehensive range of highly effective debt review in Durban solutions, including Debt Counselling and Debt Review.
We are a major player in the Debt Counselling field within Durban South Africa. All of our Debt Counsellors are fully qualified and we are registered with the National Credit Regulator (NCR).
Extra services: We are not only one of the biggest debt counselling organisations in South Africa, we also offer other services and solutions not commonly offered by our competitors.
One of our speciality areas is Group Debt Counselling — for example, with a group of employees. http://www.llds.mobi