Let’s talk about debt consolidation loans. Specifically, is a personal loan your best option? How to save money by choosing the most affordable personal loan or credit card, how to pre qualify for these loans without even providing your social security number, how to get a loan with bad credit and some more pro-tips that will really help you tackle that debt.

Debt consolidation can be a great option if you are stuck in credit card debt with crazy high interest fees. Typically, when you consolidate your debt you should expect to save a bunch of money on interest, BUT it doesn’t necessarily guarantee a lower payment and I show an example of this in the video.

Credit cards might be a better option than personal loans when considering debt consolidation because even with bad credit because a lot of them offer the option to do balance transfers and waive the balance transfer fee and offer 0% interest for 12-18 months. For more information on balance transfers and some companies to consider, click the video below

Companies Discussed in Video:

Wells Fargo (Risk Free Calculator)
https://www.wellsfargo.com/personal-credit/rate-and-payment-calculator/#Good

Sofi
https://www.sofi.com/personal-loans/credit-card-consolidation-loans/

Avant
https://www.avant.com/

FREEZE YOUR CREDIT:
https://www.experian.com/blogs/ask-experian/credit-education/preventing-fraud/security-freeze/
https://www.transunion.com/credit-freeze
https://www.equifax.com/personal/credit-report-services/credit-freeze/

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In June I had over $11,500 in credit card debt. I was inspired by Aja Dang to become completely DEBT FREE. Since June I have paid over $3,000 off of my credit card debt but I still owe about $10,500 as of August 6th. I am using Dave Ramsey’s BABY STEP method from the Total Money Makeover in order to pay off all my credit card debt. Dave Ramsey suggests to use the snowball method to pay down your debts, therefore, that is the strategy I am using to tackle my debt. Feel free to follow me along my debt free journey! Anyone else currently trying to achieve financial freedom? I know I am.

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SOURCES USED:
Dave Ramsey Snowball Method – https://bit.ly/34393J0
Dave Ramsey Baby Steps – https://bit.ly/3fUmuO3

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#DebtFreeJourney #DaveRamsey #CreditCards

LENDING TREE REVIEWS: DEBT CONSOLIDATION REVIEWS, LOANS, AND HELP TO PAY OFF CREDIT CARD DEBT WITH BAD CREDIT 2018

WONDERING HOW TO GET OUT OF DEBT IN 2018? ARE YOU BEHIND ON BILLS, LOOKING FOR LOWER PAYMENTS AND INTEREST RATES? I PRESENT TO YOU LENDINGTREE.COM

LENDING TREE IS A FINANCE COMPANY THAT WORKS WITH VARIOUS COMPANIES TO HELP YOU FIND THE LOAN THAT FIT YOUR NEEDS.

EVERY PERSONS SITUATION IN LIFE IS DIFFERENT, SO LENDING TREE REACHES OUT TO ACCREDITED COMPANIES THAT CAN HELP YOU ACHIEVE YOUR FINANCIAL GOALS.

LENDING TREE OFFERS

1. Home Loans
2. Auto Loans
3. Personal Loans
4. Business Loans
5. Student Loans
6. Credit Card Loans
7. Credit cards
8. Debt Consolidation Loans
9. Holiday Loans
10. Weddings Loans
11. Signature loans
12. Unsecured Loans
13. Refinance Loans
14. Mortgage loans

DEBT CONSOLIDATION INVOLVES COMBINING MULTIPLE UNSECURED DEBTS INTO ONE BILL. THIS CAN BE HELPFUL IF YOUR GOING THROUGH HARD TIMES AND BECOME OVERWHELMED BY AN ASSORTMENT OF MONTHLY BILLS.

DEBT CONSOLIDATION CAN BE GREAT, BECAUSE IN SOME CASES YOU CAN SAVE THOUSANDS OF DOLLARS IN INTEREST, AND A LOWER TOTAL MONTHLY PAYMENT.

IN THIS EXAMPLE I ENTER INFORMATION AND GO THROUGH EACH STEP ON LENDINGTREE.COM TO RECEIVE HELP WITH LOAN CONSOLIDATION.

THE PROCESS IS VERY SIMPLE AND I ENDED UP WITH THE NATIONAL DEBT RELIEF CHOICE, WHICH IS AN ACCREDITED COMPANY BY THE BETTER BUSINESS BUREAU (BBB)

CHOOSE LENDING TREE AND THEY’LL MAKE THE BUSINESS DECISIONS FOR YOU, SAVE TIME AND MONEY.

Updated video:

DISCLAIMER:
I am NOT a financial expert, accountant, or anything of the sort. I am in no way qualified or certified to give financial advice. However, I am here to share my love of planning and also share what my family is doing to get out of debt and be better with money. If you are looking for financial advice, I would recommend seeking advice from an expert.

#SnowballMethod #DaveRamsey #PayingOffDebt

Kristin Malia explains the difference between Credit Card Debt Settlement Versus Consolidation and what the differences between the two.

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Transcript:

Should I Move Credit Card Debt To A Personal Loan?
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Welcome to The Dave Ramsey Show like you’ve never seen it before. On this channel, you will find all of the greatest highlights from The Dave Ramsey Show! The show also live streams on YouTube M-F 2-5pm ET! Watch Dave live in studio every day and see behind-the-scenes action from Dave’s producers. Watch video profiles of debt-free callers and see them call in live from Ramsey Solutions. During breaks, you’ll see exclusive content from our Ramsey Personalities —as well as all kinds of other video pieces that we’ll unveil every day.

The Dave Ramsey Show channel will change the way you experience one of the most popular radio shows in the country!

I’m $137,000 In Credit Card Debt!
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http://bit.ly/2NVeHF8

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• John Delony: https://www.youtube.com/c/JohnDelony?sub_confirmation=1
• EntreLeadership: https://www.youtube.com/c/entreleadership?sub_confirmation=1

Welcome to The Dave Ramsey Show like you’ve never seen it before. On this channel, you will find all of the greatest highlights from The Dave Ramsey Show! The show also live streams on YouTube M-F 2-5pm ET! Watch Dave live in studio every day and see behind-the-scenes action from Dave’s producers. Watch video profiles of debt-free callers and see them call in live from Ramsey Solutions. During breaks, you’ll see exclusive content from our Ramsey Personalities —as well as all kinds of other video pieces that we’ll unveil every day.

The Dave Ramsey Show channel will change the way you experience one of the most popular radio shows in the country!

As the coronavirus pandemic deepens, millions of Americans are skipping their credit card payments. In response, banks and other lenders are preparing for further economic fallout. CBS News business analyst Jill Schlesinger joined CBSN with more.

According to my Credit Score, I owe around $12,723, and I plan on paying off in less than 6 months, although I could pay it off in one payment.

And that’s why in this video im going to give you guys my plan to how I owe 12,723, and I pay 0 interest and the different ways to get rid of this debt without paying interest.

Im going to answer these questions.
The fastest way to pay it off?
How to pay no interest?
And if you should just default?

How to pay off credit card debt fast | Less than 6 Months

One Rule: Once you’re done, stay out of credit card debt. Use the card with rewards and points and pay them off in full, and that way, you win, and the credit card company doesn’t make 30% by charging you interest.

1. Audit: this how we know how much we owe and to who and at what price.
– List Credit Cards, Interest rate and amount
– ( call in your credit if you don’t know the APR or go to the App)
Example:
Apple rewards Card: 27.49% and I owe $5,014.53 (it’s 0% because of promo)
Discover it Card: 16% and I owe $310 (it’s 0% because of promo also)
Chase Unlimited Card: 26.49% and I owe $1999.62 ( 0% because of promo)

What to Do and which one to pay Off and How? Avalanche Method saves us Money
Step 1: Organize the Card in order of high APR
Step 2: Pay More money towards that card and the minimum on the others
Step 3: repeat

Tip: I pay 560 on average a week towards my cards; you can start 100 bucks or an extra 60; the key is to step by step lower the balance.

2. How to Avoid Paying Interest
Tip: transfer the balance to another card with a promotional Period
How: its Call a balance transfer
Story:
– I needed cash, so I would take cash advances and do deals with them
– Now once I had to pay interest, I would transfer the balance to a card that gave me 12-21 months to pay it off interest-free
– Why? You have to pay 3% to transfer the balance, but that’s a lot better than 27%
Instructions:
– Get a balance transfer card
– Transfer the balance
– Pay your cards in full before the time runs out
Video on the best Cards: https://www.youtube.com/watch?v=X3kNqHWezKU

3. Should you Default ( I’ll make an entire video on this later on)
Story: I remember I got my first credit card, and I spent 3k and maxed it out, and then 1-2 months later, I lost my job.
– I thought about, and some people recommended I stop paying but just like you I came to videos and books to find solutions
– In the end, if I would have stopped paying I would have been financially screwed over
– Plus theirs a lot more benefits to solving problems you get yourself into, than defaulting and banks know that and respect that.

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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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