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!

The OULS recently had the opportunity to work with barrister and CEDR accredited mediator Suzanne Rab from Serle Court Chambers to help in the making of a short film on mediation. The film was written and produced by Suzanne Rab and was shot on location at Serle Court. It stars OULS members Abigail Scott and Peter Savory who played the lawyers for each of the two parties and was directed and edited by Gwyn Hopkins.

The purpose of the film is to promote mediation as a form of Alternative Dispute Resolution (“ADR”) and it is being shown to legal practitioners and their clients to compliment a series of presentations on the subject.

©2015 Suzanne Rab
www.suzannerab.com

Credits:
Voiceover………….. Gwyn Hopkins
Barbara…………….. Joella Bruckshaw
Enrico……………….. Peter Savory
Kevin………………… Robin Jacob
Nadia……………….. Abigail Scott
Martha……………… Suzanne Rab

Written and Produced by Suzanne Rab

Directed by Gwyn Hopkins

A new report from NerdWallet revealed that one-third of Americans believe they will be in credit card debt indefinitely. NerdWallet Credit Card Expert and Writer Sara Rathner joins Yahoo Finance Live to discuss the steady rise in household debt.
Rathner notes that credit card balances have climbed 16% over the past year while interest rates have spiked an average of 22%. “Incomes are just not keeping up with the cost of goods,” she says, with the cost of consumer goods up 20% even as incomes rose only 12%. This widening gap leaves many Americans vulnerable to accumulating credit card debt they cannot easily pay off.
“A lot of times credit card debt is imagined as the result of frivolous spending,” Rathner tells Yahoo Finance, continuing: “but, we’ve actually found that many Americans take on debt just trying to afford the necessities.”
#youtube #creditcard #stockmarket
About Yahoo Finance:

Yahoo Finance provides free stock ticker data, up-to-date news, portfolio management resources, comprehensive market data, advanced tools, and more information to help you manage your financial life.

– Get the latest news and data at finance.yahoo.com

– Download the Yahoo Finance app on Apple (https://apple.co/3Rten0R) or Android (https://bit.ly/3t8UnXO)

– Follow Yahoo Finance on social:

X: http://twitter.com/YahooFinance
Instagram: https://www.instagram.com/yahoofinance/?hl=en
TikTok: https://www.tiktok.com/@yahoofinance?lang=en
Facebook: https://www.facebook.com/yahoofinance/
LinkedIn: https://www.linkedin.com/company/yahoo-finance

If you’re struggling to pay off debt, credit counseling could be a good first step.

For more personal financial guidance please visit us at: https://www.consumercredit.com/debt-help/?ODSource=YouTube or call us at 866-206-5450
Get a free credit counseling session, reduce your interest rates, prevent late fees, and more. Call ACCC to get debt help today!

Botswana’s economy is on the brink.
In 2025, the diamond industry is collapsing, public debt is near its legal ceiling, and growth has flatlined. In this deep dive, SnapFlash unpacks the latest Econsult Economic Review, revealing shocking figures:

???? Mining down 24.1%
???? Budget deficit at P24.7 billion
???? De Beers’ sales down 44%
???? U.S. tariffs hit diamonds hard
???? Government savings nearly depleted

Botswana’s Economic Crisis 2025: Diamonds Fall, Debt Soars, and Reform Urgently Needed

Will urgent reforms come in time to prevent an economic meltdown? And can Botswana reduce its over-reliance on diamonds before it’s too late?

?? Watch now for a clear, compelling breakdown of the numbers, the risks, and what comes next.

#BotswanaEconomy #SnapFlashNews #DiamondCrisis #DebtCrisis2025 #BotswanaFinance #EconsultReview #DumaBoko #DeBeers #AfricanEconomy #USATariffs #PolicyReform

*Stay connected with SnapFlash!*

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Become a SnapFlash member and enjoy exclusive content: youtube.com/channel/UCme0kt4biqEIXAolbX8Om7g/join

Save $500 Monthly With Refinance Tips Today

Are you paying too much on your mortgage every month? With refinance rates dropping in 2025, Virginia homeowners are saving $300–$500 monthly just by restructuring their loan. In this video, I, Duane Buziak – The Mortgage Maestro, break down how refinancing works, who qualifies, and why now is the perfect time to act. Whether you’re in Fredericksburg, Richmond, Charlottesville, or Williamsburg, refinancing could free up cash for travel, family needs, debt consolidation, or home improvements. We’ll cover the step-by-step process, compare loan options, and explain how much you could realistically save. Don’t let today’s historic rates pass you by—these opportunities won’t last forever. Subscribe for mortgage tips, refinance hacks, and Central Virginia housing market updates.

???? Don’t wait—these lower refinance rates won’t last forever.

???? Contact me today and see if you qualify to start saving immediately.

? Serving Central Virginia: Fredericksburg | Richmond | Charlottesville | Williamsburg

? CONNECT WITH ME

? Website: https://www.duanebuziakmortgagebroker.com/duane/
? Facebook: https://www.facebook.com/duanebuziakpersonal/
? Instagram: https://www.instagram.com/duanebuziakmortgagemaestro/
? Email: duane@coast2coastml.com

???? Here’s where you can find me ????:
? Business Page: Google My Business Page
? Zillow: https://www.zillow.com/lender-profile/duanembuziak/
? LinkedIn: LinkedIn recommendation
? Duane Buziak, Loan Officer Reviews (lendingtree.com)
? Yelp: https://www.yelp.com/biz/duane-buziak-glen-allen-3

???? ???????????????????? ???????????? ???????????????????? ????????????????????????:

? https://youtu.be/Yq_nxnpkOSw
? https://youtu.be/kULIrRbkCw4
? https://youtu.be/Jx_Otp_LPIE

???? ???????????????????????????????????????????????? ????????????????: “@duanembuziak”

? ???????????????????????????????????? ????????????????????????: This video and my YouTube channel contain Dialogue, Music, and Image that are property of “Duane Buziak” You are authorized to share the video link and channel and embed this video in your website or others as long as a link back to my YouTube Channel is provided.

? ???????????????????????????? ????????????????????????????????:-

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???? Channel Name: “Duane Buziak”

? Subscribe now: https://www.youtube.com/channel/UCyXBE_0ufclDfR9lFSKjA2w

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We sat down with Christopher J Keuler from ONE insurance at the DCASA conference ’25, about insurance claims, how financial stress affects not just one person but an entire family, and why debt review plays a far bigger role than most people realize. #intuitivediscussions

Watch CJ’s: https://youtu.be/hNLy-hQ6HiQ?t=1386

???? Want to support these conversations? Vote for us in the 2025 Debt Review Awards – Peer Reviews:
????? https://www.surveymonkey.com/r/DRA2025MediaNominations

Can I get a job while under debt review?

Suze Orman gives excellent tips on how to settle up with credit card companies. Ms. Orman is NOT affiliated with Eltman, Eltman and Cooper – she works as a financial broadcaster for CNBC (and as a best-selling author) – but we thought her advice here was helpful, so we uploaded the video to our channel. For more tips on how to get out of debt, check out our Eltman Eltman and Cooper main site, http://www.eltmanlaw.com. Thanks!