“It was easy. I didn’t have to do anything. I handed my problems over to you guys. You did all the paperwork, all the mediation and the negotiating.” – Sheryl

There are so many companies out there on the internet vying for your attention online every single day, many who want to sell you their product. This includes debt consolidation companies. As it turns out, there are a lot of ways to do debt consolidation but only ONE WAY to do it CORRECTLY.

Debt Snowball Method: https://youtu.be/KWp7ZjD6AD8
Debt Avalanche Method: https://youtu.be/d3H2ODyQo0I

Before you can even THINK about utilizing debt consolidation, you MUST make a few commitments/promises to yourself:

1. Remember that you are in DEBT! The Focus is GETTING OUT!
2. Cut up your existing Credit Cards!
3. You MUST use a WRITTEN BUDGET!

You are in debt! That is why we are even talking about Debt consolidation at all. You need to make a commitment to NOT use your existing credit cards AT ALL while you pay off your credit card debt. Your focus needs to be 100% on paying off your existing debt as quickly as possible. On this same note, you MUST HAVE a written budget to do debt consolidation the right way. You need to be in control of your finances each and every month to make sure your income is being used efficiently and you have extra money left over each month to pay off debt.

The 1st step to completing debt consolidation the right way is to utilize a debt consolidation credit card that has (2) characteristics:

– The debt consolidation credit card MUST have a 0.00% interest rate period of at least 12 months but longer is definitely preferred.
– the debt consolidation credit card MUST have a $0.00 balance transfer fee

There are a lot of credit cards out there that offer a 0.00% interest rate period of 12-18 months, but very few credit cards out there also offer a $0.00 balance transfer fee. Most credit cards will have a balance transfer fee of $10 or 5% of the outstanding balance whichever is higher. As you can imagine, this could end up being a very significant amount of money depending on how much debt you have to consolidate.

The only credit card that I could find that meets these requirements is the American Express EveryDay Credit Card. This card currently offers a 0.00% interest rate for the 1st 18 months after the credit card is opened and it also offers a $0.00 balance transfer fee for every balance transfer completed during the first 60 days after the account is opened.

Some things to consider before opening and using this credit card are:

– How much debt do I need to consolidate?
– Will I be able to pay off this debt during the first 18 months?

After you have utilized the American Express EveryDay loan consolidation credit card, the next best option would be to utilize a debt consolidation personal from a company like Marcus by Goldman Sachs or Discover. Both of these companies offer excellent options for fixed-rate low interest rate unsecured personal loans that you can utilize to pay off your high-interest credit card debt. A debt consolidation personal loan will allow you to have one payment instead of multiple payments with an interest rate lower than your credit cards.

Here are the takeaways:

1. START with a WRITTEN BUDGET for your personal finances
2. Cut up your existing credit cards to avoid additional debt
3. START with the American Express EveryDay card then utilize a personal loan

My name is JOE and I am just your AVERAGE JOE ON MONEY. This channel talks about ALL THINGS personal finance that help people like YOU and I, the Average Joe, learn the fundamental principles of money and win with our finances. Whether it is learning how to budget, saving money for retirement, investing, paying off debt, and all things in between, I have you covered here on the Average Joe on Money YouTube channel.

Understanding the Debt Review / Debt Counselling Process.

For more information visit www.lessdebt.co.za or call us on 021 007 3841

Sid Lowe, Craig Burley and Kasey Keller join Kay Murray on ESPN FC to delve into Barcelona’s win vs. Real Sociedad and the latest on the club’s mounting debt, which now totals $1.6 billion, according to club president Joan Laporta.

0:00 A good start to life after Lionel Messi for Barca.
2:36 Gerard Pique takes a pay cut.
5:23 The poor management of Barcelona’s finances.
6:36 Why did Barcelona go out and sign big-money players when they have no money?

#ESPNFC #LaLiga #Barcelona

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Senate Republicans blocked a bill to keep the U.S. government open and also prevent a federal debt default, but the Senate could bring the funding measure up for another vote later this week without a debt-ceiling extension, which isn’t needed until mid-October. Congressional Democrats are also hoping to pass at least part of President Biden’s domestic agenda, which contains more than $4 trillion in spending over two bills. CBS News’ Laura Podesta reports on the developments in Washington, and CBS News congressional reporter Zak Hudak joined “CBSN AM” to discuss.

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All about debt funds | Investing for Beginners | Groww Masterclass

In this #GrowwMasterclass we will cover:
?Debt markets and introduction to debt funds
?Categories of debt funds
?How much % of your portfolio should be allocated to debt funds?
?Risk in debt funds

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Please subscribe here:
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Disclaimer: These are not any recommendations for any funds or stocks and are meant only for educational purposes.

We consolidate all your debt into one monthly payment and reduce your interest rates, based on your circumstances.
This debt protection forms part of the National Credit Act. Credit providers cannot take legal action against you if you go under debt review.
This means that aside from the protection of your assets, you will also end up paying less for your debt on a monthly basis.

Calls: 021 201 6486
Whatsapp: 081 679 3100
Email: marketing@arscredit.co.za
Website: www.arscredit.co.za

Americans are racking up all-time high levels of credit card debt. Ted Rossman, senior industry analyst for CreditCards.com, has tips if you’re struggling with high balances.

#news #creditcard #debt

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In the 10 years since “UK’s Scariest Debt Collector” first went live on Vice, it’s participants came to a range of different fates. Some ended up in jail, some turned their life around completely whilst others died unexpectedly. So, what happened to Shaun Smith and the crew involved in the video?

This is, What Happened To “The UK’s Scariest Debt Collector”?

Thank you guys for watching, like and sub if you enjoyed, SunnyV2

Also, the idea for this video was inspired by “Vice” who posted the original documentary in September 2013 titled “UK’s Scariest Debt Collector (Full Length)” You can watch it here – https://www.youtube.com/watch?v=TUzlmWWdjEQ

FOX Business anchor Taylor Riggs and economist Todd Buchholz discuss the increase in U.S. debt interest payments and the takeaways from the Fed’s meeting minutes on ‘Kudlow.’ #foxbusiness #kudlow

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