To consolidate debt or not to consolidate? A debt consolidation loan can make debt problems bigger! We advise to proceed with caution. In Canada, best bet is to speak with a Licensed Insolvency Trustee to learn the best path forward to becoming debt free.

#shorts #debtfreein30 #debtconsolidation #debt #consolidation #podcast #podcastclips #personalfinance

A report from the Philadelphia Federal Reserve also shows a record-high number of Americans are only paying the minimum monthly payment on their credit card bills, peaking at nearly 11% of all accounts in the third quarter of 2024. Ted Rossman, senior industry analyst at Bankrate, joined CBS News to discuss the issue.

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“8 Bad Money Habits You Must Break Today (And How to Fix Them!) ????”

Are bad money habits holding you back from financial freedom? In this video, we uncover the 8 most common money habits that keep people stuck in a cycle of overspending, debt, and missed opportunities—and share practical tips to break free and take control of your finances.
Whether you’re struggling with overspending, ignoring your savings, or relying too much on credit cards, this guide will help you take actionable steps to build wealth and secure your financial future. ????
What You’ll Learn in This Video:
1?? How to stop overspending on wants vs. needs2?? The power of budgeting and tracking your expenses3?? Why saving regularly is a game-changer4?? Tips to eliminate debt faster using proven methods5?? How to plan for retirement before it’s too late6?? The secret to avoiding impulse purchases7?? The importance of building financial literacy

* Budgeting apps: Mint, YNAB, PocketGuard
* Books: Rich Dad Poor Dad by Robert Kiyosaki
* Debt payment strategies: Snowball vs. Avalanche
???? Ready to take control of your finances? Watch now and break those bad money habits today!

???? Comment Below: Which of these habits are you working on breaking? Let us know your journey to better finances!???? Subscribe for weekly tips on saving, investing, and building wealth!???? Turn on notifications so you don’t miss our next video!

#MoneyHabits #PersonalFinance #FinancialFreedom #WealthBuilding #SaveMoney #BudgetingTips #DebtFreeJourney #MoneyMatters #FinanceTips #SmartSpending

* bad money habits
* how to save money
* personal finance tips
* budgeting advice
* breaking financial bad habits
* wealth-building strategies
* overspending solutions
* managing credit card debt
* financial education for beginners
* tips for financial freedom

Welcome to Credit Counselors, your go-to resource for all things credit and finance. In this video, we’ll be discussing the benefits of credit counseling and how it can help you get your finances back on track.

Our team of experts will walk you through the credit counseling process, from initial consultation to creating a customized debt management plan. We’ll show you how to prioritize your debts, negotiate with creditors, and make a budget that works for you.

We’ll also cover the importance of understanding your credit score and how it can impact your financial well-being. You’ll learn how to improve your credit score over time and take steps to avoid common credit pitfalls.

Whether you’re struggling with credit card debt or just looking to improve your overall financial health, credit counseling can be an effective tool for achieving your goals. Join us as we demystify credit counseling and show you how it can work for you.

Don’t let financial stress hold you back – take control of your finances today with Credit Counselors.

$163,000 In Student Loan Debt Only Making $29,000!
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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!

Megan is $28,000 in debt and only bring home about $27,000. She realizes she needs to pay off her debt and asks Dave where she should start.

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

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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!

Who are the dominant owners of U.S. public debt? Is it widely held, or concentrated in the hands of a few? Does ownership of public debt give these bondholders power over our government? What do we make of the fact that foreign-owned debt has ballooned to nearly 50 percent today? Until now, we have not had any satisfactory answers to these questions. Public Debt, Inequality, and Power is the first comprehensive historical analysis of public debt ownership in the United States. It reveals that ownership of federal bonds has been increasingly concentrated in the hands of the 1 percent over the last three decades. Based on extensive and original research, Public Debt, Inequality, and Power will shock and enlighten.
 
At publication date, a free ebook version of this title will be available through Luminos, University of California Press’s open access publishing program for monographs. Visit www.luminosoa.org to learn more.

Forbes calls David Carlson’s personal finance blog Young Adult Money “a must read for millennials.” Hustle Away Debt, Carlson’s new book, gives millennials drowning in debt – student and otherwise – a lifeline. Carlson details his secrets to getting out of debt through the concept of “side hustles.” He shows how side hustles can help you develop new sources of income that allow you to pay off debt faster. He also shows how this can lead you to explore new fields you might not have otherwise worked in and how you can pick up useful skills for your full-time job – all while developing your earning potential to the fullest.

Discover how Tapping can help you release your negative beliefs about money and open the door to more wealth than you ever imagined.
 
Emotional Freedom Techniques (EFT), also known as Tapping, has become a popular tool for realizing goals, as evidenced by the recent New York Times bestseller The Tapping Solution by Nick Ortner. For many of us, one of our main aspirations is to flourish in our careers and, by extension, in our finances. Yet limiting beliefs and fears keep people stuck in their current financial states. EFT uses the fingertips to tap on acupuncture points while emotionally tuning in to negative attitudes and past experiences, allowing people to transform their thoughts and feelings. Margaret M. Lynch teaches people how to harness the power of Tapping to identify and clear the blocks to prosperity. 
 
This book also features QR codes and URLs linking to video demonstrations of Tapping exercises.

Product Features

• Used Book in Good Condition