Is it actually possible to get a home loan in South Africa after being under debt review? The answer is a resounding YES, and this video breaks down exactly how.

We’re looking at the inspiring journey of a client who has completely turned his finances around. Having been through debt review previously, he is now in a position to apply for a new home loan with an excellent credit score in the 800s. This is crucial because it instills confidence in the credit assessors at the banks.

In this video, I explain why having the debt review cleared for some time is so important for securing a good interest rate and why rebuilding your credit footprint is a non-negotiable step. This client’s story is the perfect blueprint for anyone feeling stuck after a financial setback. Your past doesn’t have to define your future as a homeowner.

Ready to start your comeback story? Let’s chat about your bond application.

???? Email: hello@olen.co.za
???? WhatsApp: 066 036 9189

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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.

To become a certified credit counselor, decide what type of clients to work with, visit local, non-profit credit counseling businesses, find an accredited school, and take classes on finances and credit counseling. Find a business that will help pay for credit counseling classes with advice from a certified financial consultant in this free video on credit counseling.

Expert: William Rae
Contact: www.hbwfl.com
Bio: William Rae has been licensed in the insurance and financial fields for more than 30 years.
Filmmaker: Christopher Rokosz

2nd Channel @ZacV2
My TikTok https://www.tiktok.com/@zacrios?_t=ZT-90LyuVCSxLr&_r=1

Chapters
0:00 Subscribe!
0:51 Debt Breakdown
3:24 Credit Card Statement
4:50 How I Got Into Debt
6:03 Gotcha Games
7:39 $7,000 In Debt From Food
9:14 $70,000 In Debt
10:35 Vacations
12:51 Minimum Payments
15:29 Comment
15:44 Back In Debt After Bankruptcy
17:29 Comment
18:09 “Free Money”
19:48 Declining Credit Scores
20:36 Payday Loans
22:00 Comment
22:35 Deadbeat
24:07 $1,200 Car Payment
26:03 Regret
27:37 Not Normal

#money #finance #debt

The Truth About Debt Management and Credit Scores #moneyhabits #money #budgeting2024

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People ask me this a lot: What do I do for a living? Here’s the answer..I’m a magician. I am. For me, money grows on trees and is as abundant as raindrops falling from heaven. Yup…that’s it, heaven grants me my wishes and my heart’s desires simply because it is law. For real…all sacred texts say so…so why wouldn’t YOU believe it to be true?

But in layman’s terms, I am a computer software engineer by day and a landlord of sorts. I also create Youtube content and these things are the bulk of my income.
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All Black Girls Ain’t Got Rhythm: $7
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Send me an email with your mailing address and instructions on to whom you’d want it autographed.
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A Course in Gratitude by Tinesha Davis, Querin Hamilton and Ashley Williams aka Violet Grace Link: http://a.co/2dITKNb
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???? Too much personal credit = hard to get loans ????
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Here’s how we help: We use your business revenue & bank statements to create a consolidation loan under your company’s name ?????
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This moves debt off your personal side, raises your credit score, and unlocks premium financing — even low-interest or 0% business credit cards ????
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Smart refinancing = better credit = more growth ????????
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If credit card debt has you feeling like you’ll never get back ahead of it, know that there are ways to take back control. 5 On Your Side breaks down the steps you can take to start making a dent in your debt.

Established in 1996, the Credit Counselling Society is a non-profit organization dedicated to helping individuals and families find solutions to their debt and money problems.

The Credit Counselling Society provides consumers with confidential and free credit counselling services, credit education and debt management programs.

Leaders in providing innovative and superior personal money management services in Canada.

We Help. We Educate. We Give Hope.

THE mission: • To educate Canadians in personal money management and the wise use of credit • To help individuals and families find solutions for their financial matters through unbiased counselling and debt repayment alternatives. Our values: • We are committed to quality and excellence in everything we do • We act with honesty, integrity and ethics • We treat all people with dignity, fairness and respect We are federally registered as a Canadian Charitable Organization and a Charter Member of Credit Counselling Canada, a national association of non-profit credit counselling services

Are you curious about the true mission of Credit Counselling Singapore?

In this video, we dive deep into the organisation’s purpose and explore what drives their efforts.

From debt management to financial literacy, we uncover the truth behind their mission and what it means for individuals and business owners in Singapore. Whether you’re struggling with debt or simply looking for ways to improve your financial well-being, this video is for you.

Tune in to learn more about Credit Counselling Singapore’s true mission and how it can benefit you.

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