Meet 27-year-old Paul. He’s dedicated his life to the pursuit of pleasure. Trouble is his finances can’t keep up. Despite earning £1800 a month, his debt has reached a hair-raising £36,000. Paul works as an event and music promoter, but for him, every day is a big event. His dream is to run his own company catering to the jet-set. In reality, he’s heading for skid row.

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In this Ronel Talks Money interview we discuss debt review / debt counselling. Why do people end up having too much debt? When should you seek help when you have too much debt? What would a debt review process entail and what are the costs involved? I talk to Neil Roets, the CEO and founder of Debt Rescue. Debt Rescue is registered with the National Credit Regulator (NCR). Debt Rescue has received multiple awards over the years.
Learn more: https://debtrescue.co.za/

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This channel aims to provide financial education and this does not constitute financial advice. We cannot be held responsible for any financial decisions you make or financial losses you might incur as we don’t guarantee any results. We are sharing financial knowledge to help you make better financial decisions, but it is always best to consult with your financial advisor to ensure your personal situation is taken into account before making important financial decisions. Although we do everything in our power to ensure we interview reputable, knowledgeable and legitimate companies and individuals, we cannot take responsibility for the information and opinions shared by them.

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When should you consider debt counselling?
Even before lockdown, many people were finding it difficult to meet their debt repayments and facing the prospect of defaulting. Once you are in default the collection and legal fees mount and debt that you were already struggling to repay could easily double. You could even risk losing your car or home.

One of the options available is debt counselling where you select to go under debt review and are protected against legal action by creditors.

A debt counsellor provides a court-issued agreement stipulating the repayment plan. Consumers make one affordable, payment each month, to an independent Payment Distribution Agency (PDA). This in turn is distributed to the creditors as per the agreement.

Once under debt review you may not apply for any credit until all the debts, as per the court order, are settled. Once settled, the debt counsellor will issue a clearance certificate confirming that all the accounts listed under the agreement are paid up. Home loans are the exception and do not need to be fully paid up, but must be up to date. The debt counsellor must ensure that the credit bureaus receive the certificate.

While there are many satisfied customers in debt counselling, there are just as many who have had a negative experience. Make sure you are working with an ethical provider who is a member of the Debt Counsellor Association of South Africa or the National Debt Counsellors Association.
When working with a debt counsellor make sure they create a repayment plan that can be settled within five years. This can be done if the debt counsellor negotiates lower interest rates with the creditors.
According to the National Debt Counsellors Association reputable debt counsellors use an industry standard called the Debt Counselling Rule Set or DCRS that allows them to negotiate significant interest rate reductions on consumers’ debt.?
For unsecured lending such as personal loans and credit cards, DCRS allows for renegotiation of the interest rate as close to zero percent as possible. This is a significant saving on credit agreements that can have interest rates as high as 23%.
Debt counselling can be a great solution, but do your homework before you enter any agreement as once the agreement is in place, you are legally bound to it.

Sasha Manford wants things in life anyone can relate to: buy a home one day, get married and have kids. But before doing that she wants to get her finances under control.

“I don’t want to have this lingering debt with all of that,” the 28-year-old says.

Finance experts Ramit Sethi and Douglas Boneparth help Sasha, a working professional, make a plan to get out of debt in this episode of #MoneyMakeovers.

Read her story here: http://bit.ly/2Y8zkzb

In Money Makeovers, the staff of Money puts together a financial plan for people in terrifying financial situations with the help of Ramit Sethi, author of New York Times bestseller ‘I Will Teach You to Be Rich,’ and Douglas Boneparth, a New York City-based certified financial planner.

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Financial and debt counselling company Debtbusters says it’s seen an 18% increase in inquiries for counselling. It says many people are seeking help due to the after-effects of lockdown. More South Africans are living off credit cards. Benay Sager, Chief Operating Officer at Debtbusters, speaks to #eNCA Courtesy #DStv403

Approximately 1 in 8 Americans hold student loan debt. Amy Richardson, a certified financial planner with Schwab Intelligent Portfolios Premium, joined CBSN’s Tanya Rivero with tips for how new college graduates entering the workforce can pay off debt and save money.

CBSN is CBS News’ 24/7 digital streaming news service featuring live, anchored coverage available for free across all platforms. Launched in November 2014, the service is a premier destination for breaking news and original storytelling from the deep bench of CBS News correspondents and reporters. CBSN features the top stories of the day as well as deep dives into key issues facing the nation and the world. CBSN has also expanded to launch local news streaming services in major markets across the country. CBSN is currently available on CBSNews.com and the CBS News app across more than 20 platforms, as well as the Paramount+ subscription service.

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Click HERE to get our 4, best-guided meditations to attract money effortlessly for free! https://drattraction.com/4moneygm/
It will work with scientific accuracy!
P.S. Anything promoted here is free and 100% created by the owner of this YouTube Channel.

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? Voice Over made by Tim D J.; https://www.upwork.com/freelancers/~012b7cd4613255c419

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Be honest…

When you think about money, or creating more abundance in your life, how does it make you feel?

Does it make you feel happy and liberated?

Or, does it make you feel stressed and upset?

What many people don’t realize is that by thinking negative thoughts about wealth (thoughts like, “I don’t have enough” or even replaying past negative experiences with money), they’re actually repelling instead of attracting abundance.

Your initial reaction to our question about creating more money is actually what is running the show! This is your subconscious speaking.

Our outer world is simply a reflection of our inner thoughts and feelings, which is why it’s so important to have the tools to reprogram negative thoughts and feelings. Through subconscious reprogramming, like meditation and Mind Movies, you have the opportunity to create an abundant mindset so that you can live a fulfilling and prosperous life.

So is your body currently programmed to attract more abundance, or are you subconsciously sabotaging your financial success?
Do you want to step into a new mindset that will help you craft a new, abundant future?

By listening to this 25-minute guided meditation for wealth from world renowned wealth coach, Jean-Francois Fortin, you’ll learn to visualize and manifest your dreams.

This audio will help you relax, step back and visualize the abundance already in your life, but which might not feel within your reach yet. It will guide you into a relaxed state of mind and then take you on a guided journey into your future.

Remember — what you visualize, you ACTUALIZE.

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Jean-Francois recommends you listen to this every day for 30 days to really create shifts in your life. The more you use it, the better results you’ll see.

If you like what you’re hearing, get our full set of 4 AMAZING guided meditation tracks here: ??http://beforebed.net

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INSTRUCTIONS:
#1. FOCUS IS THE NAME OF THE GAME!
Find a quiet place where you could relax. Lay your body in a very comfortable position (I personally like to use a lounging recliner chair) and use headphones.

#2. “I AM” OR “I FEEL” AFFIRMATIONS
Each time and “I AM” or “I FEEL” affirmation is given, echo it in your mind. Do this even if it feels weird or wrong at first. With time it will feel like home!

#3. THIS IS A VISUALIZATION EXERCISE
You need to see those guided meditations as VISUALIZATION EXERCISE! So with each track, try to FEEL the action through at least one of your 5 senses (hear, see, smell, touch, and taste).

WATCH when you go to bed
ATTRACT more money
REPEAT the process

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©?Copyright:

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For all my videos I have all licenses/permissions from copyright holders for commercial use.

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INTERACT WITH US ? https://www.facebook.com/BeforeBedvideos/

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If you struggle to relax and combat stress and anxiety, try “Nature Imagery Therapy”. This is quite effective and new!
You can VISIT OUR NEW YOUTUBE CHANNEL to check it out:
?https://youtu.be/Dgn9Z0CSTgU

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Click here to download this guided meditation PLUS 3 more! ??http://drattraction.com/

PS; anything promoted in this channel is free and 100% created by the owner of this YouTube Channel

In this Ronel Talks Money interview we discuss debt review / counselling. Why do people end up having too much debt? When should you seek help when you have too much debt? What would a debt review process entail and what are the costs involved? I talk to Neil Roets, the CEO and founder of Debt Rescue. Debt Rescue is registered with the National Credit Regulator (NCR). Debt Rescue is ranked as the #1 Debt Counselling Company in South Africa and has received multiple awards over the years.

Debt consolidation loans allow consumers to pay off credit card bills with the help of a bank loan. Consumers should be mindful not to go back into debt after paying off credit cards. Find out more about debt consolidation with information from a registered financial consultant in this free video on money management.

Expert: Patrick Munro
Contact: www.northstarnavigator.com
Bio: Patrick Munro is a registered financial consultant (RFC) with outstanding sales volume of progressive financial products and solutions to the senior and boomer marketplace.
Filmmaker: Reel Media LLC