Debt counseling is the process where any one hands over all of your financial information to a qualified, experience and professional debt counsellor.

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Why should you hire an advisor? Here’s why: Having a professional manage your money can make all the difference. We do this day in and day out—it’s our expertise. We’re here to help you avoid losses and make smart financial decisions. ????

What is debt mediation

If you are feeling overwhelmed with debt, if you do not know where your money is going, or if your money is not covering all of your bills. It may be time to meet with a credit counsellor. We will help you examine your financial situation, discuss possible debt repayment options and help you create a plan of action that best suits your needs. We offer budgeting and money management tools, advocacy with creditors, referrals to other supports and consumer education. A credit counsellor will help you to set your financial goals, track your spending and identify your spending habits that may need to change so you are paying bills on time, saving and living within your means.

PLEASE stop paying high interest rates on your debt. https://theyukonproject.com/product-comparison/compare-personal-loans/

We really want to help lighten your debt payments so you can get ahead in such difficult challenging times. Our goal is to help everyone eventually be debt free and a big part of achieving that is lowering the cost of debt.

Shop around to up to 40 lenders at once without negatively affecting your credit score (SOFT CREDIT CHECK) by applying with one of our premium lenders on our marketplace page. Behind the scenes, we will check your rate with 40 other lenders. You will see all the approvals and you will be able to choose the loan that best meets your needs: https://theyukonproject.com/product-comparison/compare-personal-loans/

Comparing up to $100,000 Personal Loans: LightStream Personal Loan versus Truist Personal Loan.
00:00 – What kind of companies are LightStream and Truist?
01:01 – Loan amounts
01:40 – Term lengths
02:15 – Who will they approve?
02:44 – Comparison of APRs
03:21 – Origination fees
03:34 – Will they accept cosigners?
04:07 – Late fees
04:28 – Direct payoff for debt consolidation
04:57 – Available discounts
05:08 – Summary
05:52 – How to get the best deal
06:21 – Easiest way to shop around
Let’s summarize what we’ve learned about personal loans offered by LightStream and Truist.

Interestingly, LightStream has considerably more green cells than Truist does. They have more features and they are a little more clear about their policies. I find it unusual that Truist isn’t more clear than they are. Banks are often the most transparent lenders because they are so closely scrutinized by federal regulators. So, I find it a bit of a yellow flag that Truist doesn’t share easy answers to pretty standard questions about their personal loans. As is often the case, the most important issue is whether you can get the money you need at the lowest possible price. If one of these brands will do that, you should probably go with them. But, here’s the thing: every lender has a different algorithm for whether to accept you and what rate to offer you. Even though LightStream is owned by Truist, they have a different lending algorithm. That’s why we think it is so important that before you accept a loan, you shop around. You should see if you can get 3-4 offers before you decide who to go with. That will ensure you’re getting the best offer you can possibly get.

At The Yukon Project, we’ve tried to make shopping around easy. If you visit our marketplace page, you can apply to any one of our other featured lenders. Behind the scenes, we will check your rate with up to 40 other lenders. Our partners use a soft credit check, so applying won’t hurt your credit score. We will show you all of the approved offers so you can pick the loan that’s best for you.

Website: https://theyukonproject.com
Instagram: https://www.instagram.com/yukon_project/
Facebook: https://www.facebook.com/theyukonproject
YouTube Channel: https://www.youtube.com/@theyukonproject

Did you know here are some of the top reasons folks use a personal loan for:
– Personal Loan
– Debt Consolidation
– Credit Card Debt Consolidation
– Major Purchase
– Household Expense
– Moving/Relocating Costs
– Business Expenses
– Home Improvement
– Auto Expense
– Special Event Costs
– Medical Dental Debt
– Vacation
– Taxes
– Motorcycle Loan
– Baby/Adoption Loan
– Emergency Loan
– Boat Loan

#PersonalLoan #LoanComparison #LightStreamLoan #TruistLoan #FinanceTips #LoanAdvice #MoneyMatters #SmartBorrowing #FinancialFreedom #LoanOptions #CreditSolutions #PersonalFinance #LoanReview #MoneyManagement #FinanceEducation #BorrowingWisely #LoanGuide

De-stress the mind and consolidate debt into one easy to manage payment, with no early repayment fees. Credit and lending criteria, and fees apply including a $240 establishment fee.

Rates from 10.99% to 25.99% p.a. fixed for the life of the loan, depending on your circumstances. Credit provided by Latitude Financial Services Limited.

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How Credit Counselling Can Help You Get Out of Debt?

Debt Relief Specialists: https://thenpn.com/at/69620

Often, people who seek out credit counseling are in over their heads with debt. However, they needn’t be unable to make their payments. Early intervention can help them rectify any mistakes they’ve made. The counselor will assess your finances without judging you. A credit counselor is trained to create a safe environment where you can be completely honest about your financial situation. During your meeting with the credit counselor, you can discuss your debt situation and ask any questions that you may have.

During your first meeting, your credit counselor will review your finances and make recommendations. Then, they’ll explain each recommendation and why it may be the best option for your circumstances. After that, you can ask as many questions as you want. This process can help you get control of your finances and get back on the road to financial freedom. In addition to reviewing your finances, your counselor will teach you the basic concepts of sound money management, which will help you prevent yourself from getting into debt in the future.

Once you’ve decided to seek credit counseling, you will need to decide which option is right for you. While some people are reluctant to accept the advice of a counselor, many people find it helpful. The first step towards a debt-free life is to ask for higher spending limits on your credit cards. You should also avoid consolidating debt and adding to your existing debt. After a successful consultation, you will be on your way to becoming a debt-free person.

Once you’ve decided on credit counseling, you’ll be given strategies to keep on track of your expenses. The counselor will teach you how to set a budget and stick to it. A credit counselor can also teach you strategies for paying off your debts. For example, you can use the snowball method, in which you prioritize the smallest debts first and work your way up to the largest. If you can’t keep up with your payments, you may want to consolidate and extend your debt.

In the end, credit counseling can help you understand your options and get out of debt. Once you’ve sorted out your finances, a credit counselor can recommend the most effective solution for you. Understanding your current financial situation is essential to decide which type of debt relief will be best for you. You need to be aware of the signs that you’ve mismanaged your money and that you need help. If you can’t meet your payments on time, then credit counseling is the best option for you.

There are many ways to pay off debt. However, if you can’t pay off your debt, a credit counselor can help you come up with a plan to pay off your debts. In addition to negotiating with your creditors, the counselor will negotiate on your behalf with lenders to reduce interest rates and other fees. In addition to working on your budget, a credit counselor can help you find the best debt relief options for your specific situation.

Your responsibility when you are under debt review in South Africa | Bad debt counselors |

Many consumers who are under debt review get in more trouble when they go to a dishonest debt counselor who doesn’t pay the money to the creditors.

Please note that I am not a debt counselor or a lawyer. You must still go to a registered debt counselor in South Africa for the right advice.

We are bookkeepers in Pretoria and we service clients across South Africa. Our focus is on preparing documents for business funding, tax preparation, and clean up of your business books, as well as monthly bookkeeping services.

To find out more about our bookkeeping services go to: https://profitandbooks.com/

I am Olivia Sambo, co-owner of Profits and Bookkeeping Services and Online Marketing Services. I am a qualified Bookkeeper who has studied with the Institute of Certified Bookkeepers, the ICB. My goal with every client is to understand their vision for their company so we can implement systems that will improve their cash flow, money management, and profitability.

Most clients come to me when they want their documents to be prepared for tax or when they want to apply for funding from a bank or a financial institution. In most cases, they’ve never had a bookkeeper, and all those years of neglecting their books take time and knowledge to untangle.

What skills do you need to be a bookkeeper?

You need to be someone who’s meticulous and pays attention to details because one digit in the wrong place can lead to the books not balancing. You need to be patient and focused to capture the information accurately because sometimes these numbers can be very overwhelming. You must be honest and have integrity because you deal with very confidential information about clients. You must honour the trust that your clients put in by safeguarding the trust and protecting their privacy.

What does a bookkeeper do?

Bookkeepers capture information from the source documents that a client provides. Different types of accounts then get created to reflect the assets, liabilities, income, expenses, and equity accounts. These accounts will be a reflection of the income and expenses of the business and will be used to prepare management reports for the management of the business or a financial institution.

What are source documents?

Source documents are any proof of the transactions that take place within a business. It could be invoices, receipts, debit notes, credit notes, till slips, etc. It shows the source of the transactions that are reflected on the bank statement. Source documents are also called supporting documents

Why are the source documents so important?

When you look at your bank statements you will mostly see POS purchases when you swipe your debit or credit card to buy goods. When a client pays you it will only show as a deposit.
The source documents will show exactly whether you’ve spent money on fuel, stationery, or printing. It will enable the bookkeeper to put the entry under the right category.

Why do you need a bookkeeper when you apply for funding?

The bank wants to see how well you manage your money, what is your income, and your expenses. What part of your business makes the most money, etc. Your bookkeeper will be able to prepare this information when you provide her with your bank statements and source documents. A bookkeeper will know how to use your monthly bank statements to create the right accounts that are needed to prepare the financial reports for the bank. If you don’t have these reports prepared the bank will advise you to find a bookkeeper who can do that for you. If you are a business owner or self-employed the bank will not consider your application for funding without these reports because that is the proof of income they need to see if you qualify for the business loan.

For more information about we what we offer go to:
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https://www.linkedin.com/in/profitsandbooksbookkeepingservices
https://www.facebook.com/profitsandbooksbookkeeping/
https://twitter.com/profitsandbooks
https://anchor.fm/olivia-sambo
https://podcasts.apple.com/us/podcast/rose-tinted-glasses-with-olivia-sambo/id1522074736?uo=4
https://open.spotify.com/show/7JABIEU33PfULlam27sOyY
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https://profitsandbooks.blogspot.com/
https://news.google.com/publications/CAAqBwgKMObWnAsw8uC0Aw?hl=en-ZA&gl=ZA&ceid=ZA%3Aen
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To find out more about funding go to:
https//:www.Nedbank.co.za
https//:www.FNB.co.za
https//:www.Capitec.co.za
https//:www.Absa.co.za
https//:www.Standardbank.co.za
https//:www.Tymebank.co.za
https//:www.Bankzero.co.za
https//:www.Dti.co.za
https//:www.Nyda.co.za
https//:www.Investec.co.za
https//:www.Bidvest.co.za
https//:www.Sab.co.za
https//:www.Discoverybank.co.za