Escape the cycle of debt, lack, and financial struggle and discover the freedom and peace that comes with managing your finances wisely and trusting God’s provision. Learn how to break free from financial bondage and unlock a life of prosperity, abundance, and financial freedom through biblical principles, practical strategies, and faith.
Break the chains of financial slavery and experience a life of financial stability, freedom, and prosperity, as you learn to trust God and manage your finances effectively.

Leave a comment and tell us what country you’re watching from!

We believe you have been blessed by this video. Please kindly hit the SUBSCRIBE button and turn on your Notification Bell so that you will be notified when any video is uploaded. Also Like, Share and Comment.
??Video original and produced exclusively by Koinonia Sounds
??Footage licensed through Storyblocks
?
?#KoinoniaGlobal #ApostleJoshuaSelman #OnlineSermon
?#JesusRevealedAndGlorified
?
?Note: We own the copyright to the footage used in this video.
?
?A. Your Rights. We, Footage Firm, Inc., the owner of storyblocks.com, videoblocks.com, graphicstock.com, and audioblocks.com, grant you a perpetual, worldwide right to incorporate the Stock Files you obtain from us into any work you create.
?
?Speaker: Apostle Joshua Selman Nimmak
?
?Our goal for creating these videos is to produce high-quality transforming and empowering content and distribute it to our audience.
?
?We produce original and professionally crafted videos, incorporating unique editing techniques to enhance the delivery of our message. Creative effects are utilized to emphasize specific areas of the content. Additionally, we add subtitles considering our diverse audience, some of whom may not be familiar with African intonation. In situations where multiple speakers are present, we present their dialogues in a conversational manner, allowing them to complete each other’s sentences while remaining on-topic. We also employ intermittent sampling in our videos. For questions or suggestion regarding the channel and its content, please do well to use the comment section.
?
?For ANY Enquiry about Koinonia Global :
?
?Official Koinonia LINES:
?08075770001 (Public Relations)
?08147214444 (Public Relations)
?09077777853 (Prayer and Counselling)
?09065996660 (Finance Department)
?08100289892 (Media Department)
?
?#koinoniasermons,#koinoniasermons2021,#koinoniamessages2021,#koinoniamessages,#apostlejoshuaselmanmessages2021,#apostlejoshuaselman,#koinoniawatchtv,#koinoniaglobal,#apostlejoshuaselmanmessages,#apostlejoshuaselmanworshipsongs,#joshuaselman,#apostlejoshuaselmanlivestream,#koinoniavideos,#apostlejoshuaselmantongues,#apostleselman,#koinoniaabuja,#koinoniazaria,#apostlejoshuaselmansermons,#apostlejoshuaselman2022,#apostlejoshuaselmanprayer,#apostlejoshuaselmanmidnightprayers,#apostleselman2022,#apostleselmanlive,#joshuaselman,#koinonia#apostlejoshuaselman,#koinoniaabujalive,#koinonialivestream,#apostlejoshuaselmanprayingintongues,#koinoniasermons2022,#koinoniasermons2023,#koinoniasermons2020,#koinoniamessages2022,#koinoniamessages2023,#koinoniamessages2020,#apostlejoshuaselmanmessages2020,#apostlejoshuaselmanmessages2022,#apostlejoshuaselmanmessages2023,#apostlejoshuaselman2020,#apostlejoshuaselman2021,#apostlejoshuaselman2023,#apostleselman2020,#apostleselman2021,#apostleselman2023,#apostlejoshuaselmanvideos,#koinoniamiracleservice,#latestkoinoniamessage2020,#latestkoinoniamessage2021,#latestkoinoniamessage2022,#latestkoinoniamessage2023,#koinoniamessage2020,#koinoniamessage2021,#koinoniamessage2022,#koinoniamessage2023,#dailytransformationmedia,#jesusrevealedandjesusglorified

What Personality Traits Make A Good Debt Counsellor? Are you curious about what makes a debt counsellor effective in helping individuals manage their financial challenges? In this insightful video, we will cover the essential personality traits that contribute to a successful career in debt counselling. We’ll discuss how empathy plays a vital role in establishing trust and rapport with clients, allowing them to feel understood and supported during difficult times.

Strong communication skills are also critical, enabling counsellors to convey complex financial concepts in an approachable manner. Additionally, we’ll highlight the importance of attention to detail and problem-solving abilities, which are necessary for crafting personalized debt management strategies.

Patience and self-control are essential traits that help create a calming environment for clients who may be feeling overwhelmed. We’ll also touch on the significance of being achievement-oriented and independent, as these qualities drive debt counsellors to strive for positive outcomes for their clients.

Join us as we explore these traits in detail and how they contribute to reducing client anxiety while promoting financial stability. Subscribe to our channel for more helpful discussions on achieving a stress-free mindset and enhancing your financial well-being.

?? Subscribe to our channel for more valuable insights.

????Subscribe: https://www.youtube.com/@StressFreeMindset/?sub_confirmation=1

#DebtCounselling #FinancialWellness #DebtManagement #EmpathyInFinance #CommunicationSkills #FinancialPlanning #ProblemSolving #ClientSupport #FinancialStability #DebtRelief #StressFreeMindset #PersonalFinance #BudgetingTips #MoneyManagement #CounsellingSkills

About Us: Welcome to Stress Free Mindset, your go-to destination for navigating the challenges of stress in everyday life. Our channel is dedicated to providing practical strategies, tips, and techniques to help you cultivate a calmer and more balanced mindset.
Please note that all content is for informational purposes only and should not be considered professional advice. Always conduct your own research and consult with a qualified professional for personalized guidance. The content provided is for general informational and educational purposes only. It is not intended to substitute for professional medical advice, diagnosis, or treatment. Never disregard professional medical advice or delay seeking it because of something you have seen in this content. Never rely on this information in place of consulting with qualified healthcare professionals. The creators and distributors of this content are not responsible for any adverse effects or consequences resulting from the use of any suggestions, preparations, or procedures described in this material. Always consult with your healthcare provider before starting any new health-related practice or program.

???? Discover how debt counselling can be your pathway to financial freedom in this insightful live interview with a registered debt counsellor from Credit Matters, one of South Africa’s leading debt counselling organisations. Learn how the process works, who qualifies, and how it can help you consolidate payments, protect your assets, and regain control of your finances—without becoming insolvent.

Whether you’re overwhelmed by credit card bills, personal loans, or store accounts, this conversation breaks down the benefits of debt counselling under South Africa’s National Credit Act, and offers practical advice for anyone looking to break free from the debt trap.

???? Keywords: #DebtCounselling #CreditMatters #SouthAfricaDebtHelp #FinancialFreedom #DebtRelief #NationalCreditAct #MoneyManagement #LiveInterview #DebtSolutions #ConsumerProtection

#August2025 #studentloans #financialfreedom #laidoff

In this video, I am going over me and my husband’s student loan payoff journey for August 2025. www.vertex42.com

Timestamp:
0:00 Intro
6:30 Debt Payoff Progress
26:15 Debt Coloring Sheet
30:38 Debt Reduction Calculator

HECK OUT MY LATEST BLOGS:

????”The Benefits of Using Cash in a Digital World: Why Cash Still Works for Your Budget”
https://paperbymoe.com/blogs/moeintroduction/the-benefits-of-using-cash-in-a-digital-world-why-cash-still-works-for-your-budget

????Economic Uncertainty & Consumer Caution: How To Protect Your Finances in 2025
https://paperbymoe.com/blogs/moeintroduction/economic-uncertainty-consumer-caution-how-to-protect-your-finances-in-2025

???? How to Use Education and Skills to Leverage Your Resume (and Stay Marketable in an Uncertain Economy
https://paperbymoe.com/blogs/moeintroduction/how-to-use-education-and-skills-to-leverage-your-resume-and-stay-marketable-in-an-uncertain-economy

???? Budgeting for Household Essentials (Without Overspending) ?????
https://paperbymoe.com/blogs/moeintroduction/budgeting-for-household-essentials-without-overspending-%E2%9C%A8

????10 Daily Habits of Financially Disciplined People:
https://paperbymoe.com/blogs/moeintroduction/%F0%9F%92%A1-10-daily-habits-of-financially-disciplined-people

???? How to Stay Focused on Your Money Goals When Life Gets Hard: https://paperbymoe.com/blogs/moeintroduction/%F0%9F%92%A1-how-to-stay-focused-on-your-money-goals-when-life-gets-hard

???? When Money Changes the Vibe: How Finances Impact Your Relationships, Habits & Values : https://paperbymoe.com/blogs/moeintroduction/%F0%9F%92%B8-when-money-changes-the-vibe-how-finances-impact-your-relationships-habits-values

????”Mid-Year Money Check: How I Plan My Finances (And How You Can Too) ?????”
https://paperbymoe.com/blogs/moeintroduction/mid-year-money-check-how-i-plan-my-finances-and-how-you-can-too-%F0%9F%92%B0%E2%9C%A8

????”From Paycheck to Progress: Smart Money Habits That Work from Broke to Comfortable ????”
https://paperbymoe.com/blogs/moeintroduction/%F0%9F%92%B8-how-i-use-sinking-funds-while-paying-off-debt-yes-you-still-can

????”Why I Track My Student Loan Debt With Pen & Paper”: https://paperbymoe.com/blogs/moeintroduction/%F0%9F%93%9A-why-i-track-my-student-loan-debt-with-pen-and-paper-and-how-it-helped-me-pay-off-over-47-000

????”Should You Pay Off Debt If Your Job Isn’t Secure? Here’s What to Do Instead” : https://paperbymoe.com/blogs/moeintroduction/should-you-pay-off-debt-if-your-job-isnt-secure-heres-what-to-do-instead

????”Zero-Based Budgeting vs. 50/30/20 Rule: Which One is Best?” https://paperbymoe.com/blogs/moeintroduction/zero-based-budgeting-vs-50-30-20-rule-which-one-is-best

????”Cut the Cycle: End the Paycheck to Paycheck” Lifestylehttps://paperbymoe.com/blogs/moeintroduction/stop-living-paycheck-to-paycheck

2025 BINGO: https://paperbymoe.com/products/2025-bingo-card

Thank you for watching!

I hope you all enjoy this video & watching my financial freedom journey. I budget my money using the zero based budget method.

Please like, comment, like and subscribe

Make sure you subscribe to PaperByMoe.com to stay updated on all new products and sales.

?? Affiliate Links: (I do earn a small portion of money, commission)
Amazon: https://www.amazon.com/shop/paperbymoe

Budget & Blessings…Thank you for watching!! Like. Comment. Subscribe.
I am grateful for all of the words and support. I appreciate you all.

????CHECK OUT FREE PRINTABLES at www.PaperByMoe.com

????Track and take pictures of your receipts to gain free gift cards with FETCH, use my code to gain an extra 2000 points:
https://fetchrewards.onelink.me/vvv3/referralemail?code=HAARE

Instagram:
https://www.instagram.com/paperbymoe/

FTC: This video is not sponsored. Some links are affiliate links where I make a small commission!

FYI: I am not a financial advisor. Everything I state is from my experiences and they are my opinions. If you would like more detailed information and assistance with your finances, please contact a Financial advisor.

#financialfreedom #savings #sidehustle #money #zerobasedbudget #millionairemindset #roadtodebtfreedom #studentloans #paychecktopaycheck
#2022budget #debt #lowincome #cashenvelope #cashstuffing #lowincome #studentloans #debtpayoff

Reliable practical Dream Cars would buy CASH NEXT!
#Cras #Budget #finance101

Hey there, car lovers! In this video, we’re showcasing some of the most reliable dream cars you can buy outright. If you’re ready to invest in a vehicle that offers both performance and peace of mind, you won’t want to miss this list! We’ll cover everything from the latest models to timeless classics, ensuring you find the perfect ride for your lifestyle. Tune in, and let’s get you one step closer to your dream car! Don’t forget to hit that like button and subscribe for more great content!
#DreamCarList #CarInvestments #luxuryonabudget

#Cars #Finance #Subscribe #Debt #Youtube

auto & Automotive

frugal living tips, debt free, financial freedom, old cars, save money, frugal lifestyle, budget living, money saving tips, vintage vehicle, financial wellness, frugal living ideas, budget money debt cash, Saving money tips, Toyota Camry 1999, 1999 Toyota Camry, 4th generation Toyota Camry, YouTube finance, Making money on YouTube, money wise, Driving an older car

??Disclaimer: This is just for educational purposes only. Do your own research and take your own decisions. This is not an investment advice. The content creator is not responsible for anything. Please contact your financial advisor before taking your decision

Are you stuck in EMIs, credit cards, or personal loans?
In this powerful video, I’m sharing the 7 life-changing habits that helped me break the debt cycle and reclaim my financial peace.

Most people think debt is a numbers issue — but it’s actually a behavior, mindset, and silence issue.
If you’re serious about becoming debt-free, this video is for you.

???? What You’ll Learn in This Video:
? Why debt is not just about income
? Real statistics on India’s rising debt problem
? My personal turning point (?1,278 with 12 days left!)
? 7 deep, actionable debt freedom habits:
1)Check your “Money Mood” daily
2)Turn repayments into empowering rituals
3)Challenge inherited financial beliefs
4)Track spending leaks — not just income
5)Host a Monthly Money Meeting
6)Give every rupee a specific job
7)Build a new debt-free identity

Plus, I’ll guide you through a free bonus:
???? Debt Freedom Counselling Session — to map out your debt, triggers, and next 3 steps.
Kindly fill this form
https://forms.gle/AbnhC8GrzAf21X446

???? Buy Debtopia Book At Amazon – https://shorturl.at/yIy7y

Follow me on Facebook – https://www.facebook.com/share/p/19UJ4kvQJK/

Affiliate Links:
For Social Media Posts Scheduling – https://publer.com/maka008b
For Live Video on FB/Youtube/Instagram – https://streamyard.com/pal/c/5138773501804544

???? Watch the Financial Planning Full Playlist
https://youtube.com/playlist?&list=PLB3NrM49YfBZksar0Zp8WATi-t-JReTMY

???? CLICK ON THE FIRST COMMENT PINNED BELOW ??

———-

bible verses about money,bible and money,what does the bible say about money,money lessons from the bible,money and wealth in the bible,bible,money,biblical money principles,bible verses on money,what does the bible say about saving money,biblical principles about money,how to make money,bible on money,money in the bible,money and the bible,what does the bible say about money and wealth,bible verses for money,bible and money management

Today I’m going through my student loan debt pay off strategy and kicking off my debt free journey. I’ll be looking at the exact amounts I owe in student loans, why I want to pay them off now, and how I am using my annual budget to determine how much I can realistically pay each month while still saving for my financial goals and unexpected expenses. Finally, we end with making my first payment.

Thank you for watching. If you enjoyed this video and would like to see more content like this, consider liking the video and subscribing to follow my financial freedom journey.

Resources / Links Mentioned
Try YNAB 34 Days Free! https://ynab.com/referral/?ref=NGjR9aw384rLUfFn
If you would like, you can support my channel by buying me a Coffee. Any support will go towards paying off my student loans buymeacoffee.com/averysmoneymoves
Follow me on instagram: https://www.instagram.com/averys.money.moves
Email Inquiries: averysmoneymoves@gmail.com

Videos / Channels Mentioned:
My New Budget for 2025: https://youtu.be/z8ESackGTU4?si=C1ky6oM4bcW8DLIQ
https://www.youtube.com/@laurensmoneymindset Budget Spreadsheet: https://www.etsy.com/listing/1031721868/budget-spreadsheet?click_key=c2c52960388acf4c0598098de1c63e60adbda5f2%3A1031721868&click_sum=140bfb16&ref=shop_home_active_7

Chapters:
Intro: 0:00
How much I owe + Why pay off my loans now?: 1:04
Using my annual budget to determine the amount I can pay each month: 8:11
Making a payment!!: 23:11

A little about me:
My name is Avery, I’m 26 years old and I live in Ohio. I make a gross salary of $60k a year and have $18.5k in student loan debt. My channel is all about my financial freedom journey, going from a low income childhood to a (hopefully) financially prosperous adulthood.

tags:
How I paid off my student loans, how to lower student loan payments, how to pay back student loans fafsa, how to pay off student loans fast, I paid off my student loan, student loan repayment, my student loan strategy, paying off debt on a low income, paying off $22k in student loans, how to pay off all your loans, paying off student loans, repayment of education loan, save student loan plan, federal student loan repayment options, advantage student loans repayment, why you should pay off student loans, how can I pay off my student loans faster, how to get rid of student loan debt, how to reduce student loan debt, how to become debt free, benefits of being debt free, debt free journey, paying off debt journey, create a realistic debt payoff plan

Learn the power of cash! This video reveals how saving and paying cash for purchases eliminates debt, builds financial responsibility, and gives you true ownership. Avoid the debt cycle and take control of your finances! #CashPayments #FinancialLiteracy #DebtFree #SaveMoney #Budgeting #FinancialFreedom #Ownership #PersonalFinance #SmartSpending #MoneyManagement #daveramsey #debtfreedom #minimalism #frugal #frugalliving #fyp #shorts #shortsvideo #viralvideo #viralshorts

MINT
http://fbuy.me/uz1AA

GOALS TRACKER
https://www.etsy.com/shop/DebtFreeJessie

WEALTHFRONT
Cash Account 4.5% APY
Once you fund it, you’ll get a 0.50% APY boost! https://www.wealthfront.com/c/affiliates/invited/AFFB-AFGU-SH6C-O4EE

SOFI
$25 welcome bonus
Up to $250 bonus when you set up direct deposit
4.20% interest for your savings account when you set up direct deposit
https://www.sofi.com/invite/money?gcp=353cf0b1-2bb3-49fa-bb1d-ac7dc696c59a&isAliasGcp=false

????Chase Sapphire Preferred
https://www.referyourchasecard.com/19n/Y2WY51UPK7
$600 cash bonus after $4k spend within 3 months
$50 hotel credit yearly
Primary collision insurance for rental cars
Travel insurance for trip/baggage delay
$95 annual fee

????Amex Blue Cash Preferred
$250 bonus after 3k in purchases within the first 6 months
6% cashback on groceries
3% cashback on gas
$95 annual fee but no fee the first year https://americanexpress.com/en-us/referral/blue-cash-preferred-credit-card?ref=JESSISndUS&xl=cp15

????UPSIDE
Cash back on gas!
Get an extra $5 bonus on your first purchase. https://upside.app.link/JESS28423

INSTA
https://www.instagram.com/debt_free_jessie/

BUY ME A COFFEE
https://www.buymeacoffee.com/debtfreejessie

VENMO
https://venmo.com/debtfreejessie

Disclaimer: Please note that I am not a financial professional. My videos are my personal experiences and not intended to be used for financial advice.