Clear your name from Debt Review status.

Contact us on WhatsApp today and we will give you a call back.

WhatsApp : +27 (60) 936-7560

You can also log on to our website www.thebigr.co.za for more information on what it is we do as a company and the services we provide. Follow us on our social media

Instagram : @TheBigR_TBR

Twitter : @TheBigRsolution

YouTube : The Big R Solutions

Facebook : Big R Solutions

The Big R Solution , Forging ahead financially.

How good does debt consolidation sound? Take all your credit cards and combine them together with one easy lower interest payment. Here are some things you should know that might change your perspective on it.

Debt consolidation does not help you pay down large amounts of debt and it doesn’t get you out of debt quickly. It’s a refinanced loan that extends your payment. That means you will be in debt longer. Our view is if you’re in debt, you should be working to get out of debt as quickly as possible!

They market low-interest rates, but that doesn’t always mean it will be lower. A lot of companies market an introductory promotion of a lower rate to get people in and then raise the rate over time.

This is a big one. You are only consolidating your debt. You are not eliminating it. It’s really easy for us to view debt consolidation as the first step to us getting out of debt, but the problem is… usually nothing changes after you consolidate. You have the same buying and spending behaviors.

To eliminate debt, you don’t need to consolidate, you need a plan to start paying off your debt quickly!!!

It starts with taking control of your money. Getting eyes on where it’s going. You have to start with a budget, so you can start allocating money from areas of spending to now going towards paying down debt.

If you have multiple cards, there are two ways to attack it. First, stop using the cards. Start using cash for your expenses so the amounts don’t increase on your cards while you are trying to pay them down.

Here’s where two strategies come in: If you’re looking strictly at the numbers, you should pay all the minimum payments except for the card with the highest interest rate. Put every dollar & energy towards paying that card off first. Once paid off, put everything plus the new amount saved by eliminating a card towards the second-highest interest and continue to do this until they are all paid off.

What studies have shown is people have a higher success rate when they follow this plan, but instead of paying the highest interest rate first, you pay the lowest amount owed regardless of the interest rate. It’s encouraging and motivating to see change and the card with the lowest amount is the easiest to pay off. Going from 4 cards to 3 builds your confidence because you’re seeing it working! It’s shown that more people making to paying off all their debt with this strategy even though they might be paying a little more in interest.

Remember, it’s not a consolidation problem, it’s a behavioral one and it will only be fixed by taking control over your money!

Subscribe to Commune Capital ? https://bit.ly/2OeHfaY
Follow Commune Capital on Instagram ? https://bit.ly/2YsH4NM
Follow Commune Capital on Facebook ? https://bit.ly/2WwzkbK

? Take “The Passionate Few” Quiz Now & Find Out ? https://tinyurl.com/vv5rcxk

? FOLLOW OMAR on INSTAGRAM:
https://instagram.com/omar_therockstar

? Subscribe & Listen To This Episode On Apple Podcasts?: https://podcasts.apple.com/us/podcast/the-passionate-few/id1162369953#episodeGuid=fe9440f4-0529-4e40-ab84-316c6b8494fd

?Hey guys! Welcome to this incredible episode as Omar interviews multi-millionaire entrepreneur John Shin on his incredible story of overcoming all odds as an immigrant coming to the US & going from $500k in debt to building a 9-figure business in the financial management industry! Overcoming all odds & many failures, John ultimately used many of the principles he shares in this interview to turn around his life! Today, John is a successful family man, serial entrepreneur, producer, investor, philanthropist, author, speaker & is also currently on a world tour sharing the  “THINK & GROW RICH” message around the world! Enjoy ?

? Follow JOHN SHIN on Instagram
https://instagram.com/johnshinofficial?igshid=7c6dqfna7ke8

ORDER ? How Rich Asians Think NOW:
https://www.amazon.com/How-Rich-Asians-Think-Publication/dp/1640951237

Get Your Tickets ? ?For The Think & Grow Rich Tour: https://tgrworldtour.com/

??? Wanna Start Your Own Interview Show From Home?? Join Omar’s Podcast Academy Today!?
https://www.highticketpodcast.com/vsl-page
(Learn The Introverts Guide To Booking Guest’s, Conducting Interviews & Making Money)

? WANNA WORK W/ OMAR 1-on-1 for 6-months + GET ACCESS TO ALL BONUSES + BE INTERVIEWED ON THE SHOW?? APPLY FOR “THE PASSIONATE FEW” INNER CIRCLE MASTERMIND COACHING PROGRAM NOW: ?

https://thepassionatefew.clickfunnels.com/4-survey
( ??PLEASE NOTE: This program is only for multiple 6,7 & 8-figure entrepreneurs passionate & committed to growing their business & personal brand!)

? TEXT OMAR & THE TEAM HERE: +1(310) 855-3771

? To receive EXCLUSIVE $10 Billion Dollar Wisdom From These Interviews Sent Directly To You!! Join The FREE VIP LIST & you’re in:? https://podcastmastery.org/optin-main

#Business #ThePassionateFew #ThinkAndGrowRich #JohnShin

My Husband Hid $140,000 Of Debt From Me!
Get life-changing financial advice anytime, anywhere. Subscribe today: https://www.youtube.com/c/TheDaveRamseyShow?sub_confirmation=1

Get a FREE customized plan for your money. It only takes 3 minutes!
http://bit.ly/2YTMuQM

Visit the Dave Ramsey store today for resources to help you take control of your money! https://goo.gl/gEv6Tj

Ramsey Solutions YouTube Channels (Subscribe Now!)
• The Dave Ramsey Show (Highlights): https://www.youtube.com/c/TheDaveRamseyShow?sub_confirmation=1
• The Dave Ramsey Show (Live): https://www.youtube.com/thedaveramseyshowlive?sub_confirmation=1
• The Chris Hogan Show: https://www.youtube.com/user/ChrisHogan360?sub_confirmation=1
• The Rachel Cruze Show: https://www.youtube.com/user/RachelCruze?sub_confirmation=1
• The Ken Coleman Show: https://www.youtube.com/c/TheKenColemanShow?sub_confirmation=1
• Christy Wright: https://www.youtube.com/c/ChristyWright?sub_confirmation=1
• Anthony ONeal: https://www.youtube.com/user/aonealministries?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!

“Financial Freedom Series” – Part 5 ‘Supernatural Deliverance From Debt’
First Baptist Church of Glenarden, Pastor John K. Jenkins Sr.
http://fbcglenarden.org

LIVE SUNDAY BROADCAST
8 a.m., 10 a.m., noon, 4th Sunday and special events
http://www.lifestream.tv/fbcg/

6:30 p.m. (1st, 2nd, 3rd, 5th Sunday)
http://www.lifestream.tv/fbcg/index_w…

First Baptist Church of Glenarden, http://fbcglenarden.org
Pastor John K. Jenkins Sr. @JKJenkins
Online Giving: https://fbcglenarden.payportal.io/login
Live Streaming: https://www.ustream.tv/fbcglenarden (Sunday 8 a.m., 10 a.m., noon, 6:30 p.m. (4th Sunday and special events only)
Bible Study Tuesday 7 p.m. )

South Africa’s leading debt review administration system

Visit the Dave Ramsey store today for resources to help you take control of your money! https://goo.gl/gEv6Tj

Become a Channel Member today: https://www.youtube.com/channel/UC7eBNeDW1GQf2NJQ6G6gAxw/join

Welcome to The Dave Ramsey Show like you’ve never seen it before. The show 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 people like Rachel Cruze, Chris Hogan, and Christy Wright —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!

Karmic chains keep us bound to events, and patterns, and energies, that root us in the past. Dedicated efforts at releasing the past remain incomplete because of this enchainment. To move into the NOW and to be the creator of our own destiny, we must attain liberation from karmic burdens that weigh down our spirit. Please feel free to share this link with others.

NO COPYRIGHT INFRINGEMENT INTENDED
To hear other channelings, talks and meditations please click here:
https://www.youtube.com/channel/UCG-hsFUvGEaUp-0l0J_IA8A?feature=guide

SUBSCRIBE HERE TO RECEIVE THE LATEST UPLOADS. http://www.youtube.com/channel/UCG-hsFUvGEaUp-0l0J_IA8A

Be a part of the Ellaeenah Ascension Network @ www.jadefirelight.com/blog
LIKE my Facebook page Ellaeenah Niloufer
Follow me on Twitter
Read my posts on www.speakingtree.com

Withdrawing from Debt Counseling
!!!!It is very important that you think very carefully about going under debt counseling because once you have been declared over indebted and accepted into the process it will be very difficult to withdraw from the process and even more difficult to remove the Debt Counseling flag from your credit bureau record. Below is an extract from the Guideline:

CAN A DEBT COUNSELLOR TERMINATE OR WITHDRAW DEBT REVIEW PROCESS?
A debt counselor does not have statutory powers to terminate or withdraw the debt review process. This means that a debt counselor can no longer issue Form 17.4 and update DHS with status G (Voluntary withdrawal by consumer) or H (Withdrawal by a debt counselor). There is However varied ways in which a consumer can be withdrawn from debt review which will be set out below.

CAN A CONSUMER WITHDRAW FROM DEBT REVIEW PROCESS ONCE A DEBT REVIEW COURT ORDER HAS BEEN OBTAINED?
Once a debt review court order has been obtained a consumer cannot terminate or withdraw the debt review process, they can however approach the court to rescind the order or apply for an order which declares that the consumer is no longer over-indebted. Upon receipt of the order, a debt counselor will notify the credit providers of the withdrawal by means of Form 17.W and update DHS with status G.

CAN A CONSUMER WITHDRAW OR TERMINATE DEBT REVIEW PROCESS PRIOR TO OBTAINING DEBT REVIEW COURT ORDER?
Consumers can only withdraw or terminate the debt review process prior to declaration of over indebtedness as per section 86(7) of the Act and issuance of Form 17.2 subject to payment of debt counseling fees as per NCR Debt Counseling Fee Guidelines. If a determination is made and no court order is in place, the consumer will remain under debt review. A debt counselor will notify the credit providers of the withdrawal by means of Form 17.W and update DHS with status G.

CAN A CONSUMER BE TRANSFERRED TO ANOTHER DEBT COUNSELLOR?
A consumer under debt review may be transferred to another debt counselor subject to payment of all debt counseling fees where it has been established that the previous debt counselor followed the correct process. • Form 17.7 should be used to facilitate this process.