Did you know you can leverage non-profit financial counseling for hands-on support to improve your finances?

If you’re struggling with your finances and high-interest debt then financial counseling is something that could help. It could be that you are starting over, getting through a rough patch, or perhaps need someone to work with you on creating an actionable plan to adjust your habits….sometimes you just need a little support to get back on track financially without the shame or judgment.

Tune into this session with Bola and Yazmir from team CGF to learn exactly what financial counseling entails and learn how to find a reputable non-profit company to support you!

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? Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: https://www.clevergirlfinance.com/course-packages/

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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!

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~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
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Undersun Resistance Bands – https://amzn.to/3I2LnG9
Fitbit Replaceable Bands – https://amzn.to/3yTohON

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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!

As financial stress increases, South Africans are turning to debt counsellors. Unfortunately, this opens them to scams. Bogus debt counsellors are luring vulnerable consumers into debt review by offering them quick solutions. #eNCA #DStv403 #QuestionThinkAct

#divorcelawyer #divorcehelp

What do you think of this?

Facebook: Financial Fusion: Unlocking Financial Success
IG: brown.laina
Business inquiries: lainamoneyathome@gmail.com

Facing financial difficulties? Before choosing bankruptcy, learn about our debt management approach. We assess expenses, reduce interest rates, and guide you towards a debt-free future. Watch now to understand the benefits and consult with our experts.

For more information on ACCC, visit us at visit https://www.consumercredit.com/debt-help/?ODSource=YouTube or call 866-206-5450.

#DebtFreeJourney #FinancialGuidance

A Debt Counsellor is a professional registered with the National Credit Regulator (NCR) who helps people struggling with debt to manage their finances and pay off their debt in an affordable, structured way.

? They assess your debt situation
? Create a personalised, reduced payment plan
? Negotiate with creditors on your behalf
? Protect you from legal action and harassment
? Support you every step of the way to becoming debt-free

It’s legal. It’s safe. And it’s your right.

???? Speak to a registered Debt Counsellor today ???? www.gautengdebtcounselling.co.za

#WhatIsADebtCounsellor #DebtHelp #DebtReliefSA #GautengDebtCounselling #TakeControl #FinancialFreedom

Get started with our Free Credit Repair Program at ecredithero.com

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

I PAID OFF $10,000 IN CREDIT CARD DEBT IN SIX MONTHS GJFREKJGHRJFEGK I’m too excited WOW. Here’s a very detailed video of my debt payoff process!! #personalfinance #debtpayoff #creditcarddebt

TIME STAMPS:
0:00 – intro
2:01 – how I got into 10k of credit card debt
5:30 – get serious and commit to a debt payoff plan
6:30 – balance transfers
7:23 – track your income and expenses & create a budget
7:59 – pay more than minimum payments (debt snowball vs debt avalanche)
9:04 – find extra money to use toward debt (cut your spending and/or make more money!)
11:18 – I have definitely increased my income (+ my estimated total income for 2019)
12:50 – what percentage of my income goes toward debt?
14:35 – how much did I pay each month?
16:40 – my debt payoff hype song lmfao
17:36 – how do you resist lifestyle inflation / spending more as you earn more?
18:43 – how do you stay motivated during debt payoff?
19:57 – what was the most helpful way to think about the process of paying off debt?
20:33 – are you saving while paying off debt?
21:13 – what’s next? Pay off my student loans! + my current total loan balance
22:49 – how has your credit score changed?
23:24 – did you still use credit cards while paying them down?
24:46 – what do you recommend for young people regarding credit cards and student loans?

SOURCES & REFERENCES:
Opening Up About My Student Loans and Credit Card Debt – https://youtu.be/tku2C-DgA6s
Finances of a Full-Time YouTuber (taxes, budgeting, etc) – https://youtu.be/3NMQyrvp7o8
Debt Snowball Vs Debt Avalanche | Which is the Best Debt Payoff Strategy? – https://youtu.be/jtgnRJKSJlw
What is a balance transfer? – https://www.creditkarma.com/credit-cards/i/what-is-balance-transfer/
The Financial Diet – https://www.youtube.com/channel/UCSPYNpQ2fHv9HJ-q6MIMaPw
Aja Dang – https://www.youtube.com/user/ajabdang
Sarah Nourse – https://www.youtube.com/channel/UCDbGw5fdxTLjRsNnD7_Jwvw

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Hello my dudes! My name is Tiffany Ferguson. I’m a 24 year old sharing my thoughts and life experiences. Here on Tiffanyferg, recently I’ve been working on my Internet Analysis series, where I research and discuss topics related to social issues and media. I also occasionally talk about my experiences with college, traveling, study abroad, veganism, and more.

Business Inquiries: tiffanyferguson@select.co

FTC: This video is not sponsored. Links with * are affiliate, meaning I am compensated monetarily if you join or make a purchase.