Questions that I get often asked are – What is a debt consolidation loan? Do you think balance transfer cards are a good idea? Will I save money on interest with either option?

So let’s talk about balance transfer cards v. debt consolidation loans – if any are right for you and what to look out for in order to save money with either option.

? Hi, my name is Debbie. I’m a Money Coach, who is passionate about helping my clients overcome their limiting beliefs, start managing their money and achieve being debt free and reaching their savings goals!

? If you know that you want to work with me, I invite you to click the link below and schedule a free 30 Strategy Call. I would love to see how I can help you.
SCHEDULE HERE: https://calendly.com/howdebbiesaves/sales-call-30-minutes

? Register for my Free Masterclass – What Your Credit Cards Don’t Want You to Know. (Next class will be February 22nd at 7pm EST)
REGISTER HERE: https://view.flodesk.com/pages/63d8169eb4f015f30446e2f1

? Sign up for my Free Weekly Newsletter where I’ll be sharing tips to save money & staying on budget to give you extra motivation to keep succeeding with your finances!
SIGN UP HERE: https://view.flodesk.com/pages/63d821aaecc6781900626f82

?Listen to my Podcast – Ladies Who Finance

Apple Podcast: https://podcasts.apple.com/us/podcast/ladies-who-finance/id1663117811?i=1000592545332

Spotify: https://open.spotify.com/show/3RFl1Bs7KSe0YkMtJkjOQT?si=c5905fbc596e40f4

IHeart Radio: https://podcasts.apple.com/us/podcast/ladies-who-finance/id1663117811?i=1000592545332

? If you would like to talk about hiring me to speak at your event, feel free to DM me on Instagram or email me at the address below.

Follow Me At:
?Instagram: https://www.instagram.com/howdebbiesaves/
? Instagram – Ladies Who Finance Podcast: https://www.instagram.com/theladieswhofinance/
?Email: howdebbiesaves@gmail.com

? I hope that by watching my videos you can take away tips that will help you save money and achieve your financial goals. New Videos every Tuesday morning.

? I am NOT a financial expert. All the advice I provide is based off my own personal experience and are for informational and educational purposes only. Consult with a professional before attempting anything seen or done in my videos.

Thanks again for watching my video and I hope to hear from you soon.

#Howdebbiesaves #moneycoach #debtconsolidationloans #balancetransfercards #savemoney

The actual process I used to negotiate debt and save thousands plus how to plan your own debt negotiation strategy without a debt settlement company. https://www.youtube.com/watch?v=AGUZ5paqvCQ&index=8&list=PLjsZ3KrTlZozfKrkG8uKVUa_yoC6xUVvn

The average American owes $16K in credit card debt and a full year’s income in total debt. That’s too much and sometimes you just can’t pay it off. That’s when it’s time to start negotiating debt with creditors, agreeing to pay some of the money if they wipe out the rest.

This isn’t an easy way out of debt and shouldn’t be used as an excuse to run up thousands in credit card debt. It’s a powerful process and must be used responsibly. For those in true financial trouble, it can be a way out and a way forward.

I start by sharing my debt negotiation story, how I used this process to save over $6,500 in credit card debt and personal loans. I also reveal the two biggest traps in debt negotiation, filing bankruptcy and debt settlement companies, and how you can avoid them.

This is a four-step debt negotiation process that will guide you step-by-step into dealing with collection agencies and bill collectors. I’ll help you plan your negotiating strategy and reveal the secrets to getting as much of your debt wiped out as possible.

– My debt negotiation story
– A warning about bankruptcy and debt settlement companies
– Four-step debt negotiation process
– Planning your debt negotiation strategy
– Dealing with a debt collection agency
– Two negotiating strategies that WORK

Don’t forget to click through to the debt payoff playlist above and follow the entire series. I may eventually turn this series into a paid course but you can watch it all free right now. I start out by revealing the debt payoff strategies that will work with any budget, even on low income, and finish by showing you how to get a perfect credit score.

SUBSCRIBE to create the financial future you deserve with videos on beating debt, making more money and making your money work for you. https://peerfinance101.com/FreeMoneyVideos

Join the Facebook communities:
Personal Finance – https://www.facebook.com/peerfinance101/
Investing – https://www.facebook.com/mystockmarketbasics/
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Joseph Hogue, CFA spent nearly a decade as an investment analyst for institutional firms and banks. He now helps people understand their financial lives through debt payoff strategies, investing and ways to save more money. He has appeared on Bloomberg and on sites like CNBC and Morningstar. He holds the Chartered Financial Analyst (CFA) designation and is a veteran of the Marine Corps.
#creditreport #creditscore #debt

I break down 6 life changing benefits of debt review in South Africa — how it can protect your assets, stop creditor harassment, and help you regain control of your finances with just one affordable monthly payment.

jacques@debtwipe.co.za or 073 285 4196

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

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In 2025, credit card debt has hit record highs, leaving millions of Americans struggling to keep up. With inflation still squeezing household budgets and interest rates hovering near 23%, people are turning to credit cards just to cover basic expenses. Groceries, gas, and rent are being charged more often than paid in cash, and balances are growing faster than people can pay them off. What used to be a tool for convenience has turned into a lifeline — and for many, a financial trap that keeps tightening every month.

The pressure is overwhelming. Minimum payments barely make a dent, and late fees only push people deeper into debt. Younger adults are getting hit especially hard, carrying thousands of dollars in balances before they’ve even built real savings. Many are watching their credit scores fall and their stress rise as they struggle to stay afloat. In 2025, credit card debt isn’t just about overspending — it’s about survival in an economy where everything costs more and paychecks simply don’t go far enough.

This one mindset shift could completely change how you approach debt review. We sat down with @Datanamix at the DCASA conference. watch the full discussion https://www.youtube.com/watch?v=hNLy-hQ6HiQ&t=190s – #debtreview #debtcounselling #intuitivediscussions #podcast #consumereducation #financialeducation #knowledgeispower

Ravi Lulla and Damon Benning open Tuesday’s show discussing the LATE night of Los Angeles Dodgers’ baseball on Monday night in the Dodgers’ Game Three win in the World Series. Callers have questions about the Nebraska offensive scheme matchup against USC. Does USC change its game plans when on the road? College football coaching openings will dominate the storylines of the remainder of the season. What teams are trending towards being national title contenders? A thought-exploring discussion on coaches moving to new jobs and eating glue in elementary school. Emmett Johnson and the running game have not received enough credit. USC and Nebraska are closer in talent than what many will give credit to the Huskers for. A preview from USC’s perspective on the road trip for the Trojans to Lincoln.

Brett Ciancia of Pick Six Previews, Mike Schaefer of Husker247, and Ryan Abraham of Inside Troy joins Hurrdat Sports Live.

0:00 INTRO
2:51 A Late Night of Dodgers Baseball
43:02 BREAK
44:53 Caller Questions for USC
1:02:33 BREAK
1:04:24 PICK SIX PREVIEWS | Analytics on College Football Playoff Contenders
1:36:25 BREAK
1:40:20 College Football Coaches on the Move
1:58:21 BREAK
2:03:14 MIKE SCHAEFER | Nebraska Football’s Efficiency vs. USC’s Talent
2:39:21 BREAK
2:44:52 RYAN ABRAHAM | USC’s Road Identity at Nebraska

Hurrdat Sports Live is presented by @centrisfederalcreditunion9213. ???? Guidance about finances should come from a trusted source. That’s why Centris Federal Credit Union partners with GreenPath Financial Wellness to provide FREE financial counselling services to their members. Learn more at https://www.centrisfcu.org/resources/financial-counseling/.

Tune into Hurrdat Sports Live from 7-10 am each weekday. You can now tune into this show on Hurrdat Sports’ Facebook, Youtube and X as well as at hurrdatsports.com/live

Follow Ravi and Damon on X:
Ravi: https://x.com/ralulla
Damon: https://x.com/damonbenning

Follow Hurrdat Sports on social:
Twitter: https://x.com/HurrdatSports
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About Hurrdat Sports Live: Join Ravi Lulla and Damon Benning each weekday from 7-10 A.M. on Hurrdat Sports Live. Hurrdat Sports Live dives int the latest sports news in the state of Nebraska, and shares a fresh perspective while keeping you highly entertained. Whether you’re in your car, at home, or at the office, you can enjoy Hurrdat Sports Live wherever you are!

Hurrdat Sports is a digital production platform dedicated to the new wave of sports media. From podcasting to video interviews along with live events and entertainment, we’re here to change how you consume sports. Find us online at Hurrdatsports.com

#NebraskaFootball #NebraskaCornhuskers #Huskers #Nebraska #CollegeFootball #NCAAFootball

The Annual Debt Review Awards 2025 was held on October 24th 2025 in Ballito, KZN.

Here are some of the highlights from the day.

For info about the Awards head to: www.debtrviewawards.co.za
________________________________________________________________
Music Credits:
Swing Rabbit! Swing! by Amarià / amariamusique Creative Commons — Attribution 3.0 Unported — CC BY 3.0
Free Download / Stream: https://bit.ly/al-swing-rabbit-swing
Music promoted by Audio Library

To get more information on how to defend yourself in from debt collectors, including tips, blog posts, forms, and courses, go to https://www.debtbrief.com.

If you want to have a 1:1 coaching session with me where I teach you how to defend yourself and beat your debt collector in court, sign up at https://debtbrief.com/live-course. If you aren’t in court yet, I can even teach you how to negotiate your debts.

If you need forms for your debt collection lawsuit, check out https://www.debtbrief.com/forms_sale.

If you need help settling your case, Solosuit has a great tool that helps you negotiate your debt without having to talk to a debt collector. You can find it at https://solosuit-1.pxf.io/debtbrief

If you want to see if you have a basis to sue your debt collector for a violation of the Federal Debt Collection Practices Act, send us an email at contact@debtbrief.com and we will find you an attorney who can look at your case.

If you think bankruptcy might be a good option to discharge your debt, send us an email at contact@debtbrief.com and we will find you an attorney to review your case.

Also, please like, subscribe and share. Our mission is to help as many people as possible defend themselves in court against debt collectors, but we need help spreading the word. Every like, share or subscription helps.