I’m Over $1,000,000 in Debt! (What Should I Do?)
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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!

If you have more than one loan, it may sound like a good idea to roll them into one consolidated loan but it may end up costing you much more over time! In this video we break down debt consolidation on Home Loans, and what it might cost over time.

For more info https://www.huntergalloway.com.au/

For home loan enquiries
jayden.vecchio@huntergalloway.com.au

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Mortgage Broker Brisbane – Hunter Galloway
Head Office: 3 Latrobe Tce Paddington QLD 4064
PO Box 841, Paddington QLD 4064
CBD Office: Level 20, 300 Queen Street Brisbane, QLD 4000

Hunter Galloway are an Award Winning Mortgage Broker based in Brisbane. We help clients from our local area, Australia, and all over the world. We believe buying a home should be stress-free and uncomplicated, and we will work for you to make your dreams become reality.

Next steps and settling your first home

Our team here at Hunter Galloway is here to help you buy a home in Brisbane. Nathan & Joshua Vecchio are Senior Mortgage brokers who specialise in making your home journey easy.

Unlike other mortgage brokers who are just one person operators, we have an entire team of experts to help make your home loan journey as simple as possible.

If you want to get started, please get in touch and we can book a time that suits you – either a phone call information session or a face to face meeting (which doesn’t cost anything for you).

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Debt consolidation (or refinancing) can make it easier to manage your repayments. But it may cost you more if the interest rate or fees (or both) are higher than before. You could also get deeper into debt if you get more credit, as it may tempt you to spend more.

Here are some things to consider before deciding to consolidate or refinance.

Avoid companies that make unrealistic promises
Some companies advertise that they can get you out of debt no matter how much you owe. This is unrealistic.

Don’t trust a company that:

is not licensed
asks you to sign blank documents
refuses to discuss repayments
rushes the transaction
won’t put all loan costs and the interest rate in writing before you sign
arranges a business loan when all you need is a basic consumer loan

Make sure you will be paying less
Compare the interest rate for the new loan — as well as the fees and other costs — against your current loans. Make sure you can afford the new repayments.

If the new loan will be more expensive than your current loans, it may not be worth it.

Use our mortgage switching calculator

Compare the interest and fees on a new loan with your current loans.

Remember to check for other costs, such as:

penalties for paying off your original loans early
application fees, legal fees, valuation fees, and stamp duty. Some lenders charge these fees if the new loan is secured

against your home or other assets
Beware of switching to a loan with a longer term. The interest rate may be lower, but you could pay more in interest and fees in the long run.

Protect your home or other assets
To get a lower interest rate, you might be considering turning your unsecured debts

(such as credit cards or personal loans) into a single secured debt

. For a secured debt, you put up an asset (such as your home or car) as security.

This means that if you can’t pay off the new loan, the home or car that you put up as security may be at risk. The lender can sell it to get back the money you borrowed.

Consider all your other options before using your home or other assets as security.

Consider your other options first
Before you pay a company to help you consolidate or refinance your debts:

Talk to your mortgage provider
If you’re struggling to pay your mortgage, talk to your mortgage provider (lender) as soon as possible.

All lenders have programs to help you in tough times. Ask to speak to their hardship team about a hardship variation

. They may be able to change your loan terms, or reduce or pause your repayments for a while.

Consider switching home loans
A different home loan could save you money in interest and fees. But make sure it really is a better deal. See switching home loans.

Talk to your credit providers
If you have credit card debt or other loans, ask your credit provider if they can change your repayments or extend your loan. The National Debt Helpline website has information about how to negotiate payment terms.

Consider a credit card balance transfer
A balance transfer may be a good way to get on top of your debts. But it can also create more problems. See credit card balance transfers to help you choose wisely.

Over $158,000 In Debt And Not Sure What To Do!
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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!

These are my 20 tips on how to get out of debt and paid off over $80,000 of debt and how to make money online from home!
Link to National Debt Relief: https://www.nationaldebtrelief.com/myka
Thanks National Debt Relief for sponsoring this video

How to get out of debt is a process that requires a plan and discipline to earn money and make money to tackle each piece. My husband and I have worked really hard to make money online, doing side jobs that are unique, work from home with several business ventures all to pay off our student loans, making money and get out of debt.

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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!

The facts are that more that 65% of South Africans have unsecured debt. Things like credit cards, clothing accounts, personal loans and over drafts.

More than half of South African’s with debt are over-indebted or behind on payments towards their debts. (can also say defaulted)

Being over-indebted is when you are not able to pay all your debts every month with the income you have. If you are worried every month that you won’t be able to pay all your accounts.

Visit our website for more: https://www.cyberfinance.co.za
Request a Free Call Back: http://bit.ly/2KYDs32

Debt Free or Die Trying is the sometimes serious, most-times amusing story of how I buried myself in over $30,000 in debt. This book will help you stop living the lifestyle of the fast and the financially frivolous and develop a sustainable plan based on proven tools that allowed me to become debt free. I believe you can become debt free, too. This book will show you: •How I buried myself in over $30,000 in debt before age 30 •How and why I reached “rock bottom” and decided to become debt free •The four Debt Free or Die Trying keys to success and the five payment strategies I used to pay off all of my debts For more information and other helpful tips, visit DebtFreeOrDieTrying.com.

Money Management: How To Get Your Financial Life Back And Get Out Of Bad Debt Without Getting A Headache Over Money

You are about to discover what everyone must know about personal finance and effective money management without any unnecessary financial jargon coming your way. Plain and simple.

In Money Management: How To Get Your Financial Life Back And Get Out Of Bad Debt Without Getting A Headache Over Money you will learn about one of the most important, yet underrated subject that is ‘personal finance’. You will learn the various benefits of effective money management and how much of an impact it can make (becoming financially literate) in the quality of your life. We will go through the basics of money management and you will be able to evaluate your current financial situation.

Furthermore, you will be able to determine if you are living within your means by monitoring your income and expenses. We will then go into budgeting and you will learn how to create a budget that will fit your needs. You will be given a simple 6 step process to ensure that you fully understand how to prepare your budget and make any necessary changes. You will also learn some tips that should you implement, will help you live within your means (and even below, if that’s something that you feel is necessary in your current situation) while fulfilling your needs and of course always staying within your budget.

Being in debt can be stressful. However, there is a difference between good and bad debt (yeah, there is good debt too) and trust me, being in bad debt is even more stressful and completely unnecessary. We will go through some tips and strategies that if you are in debt, can help you to start getting rid of your debt and becoming once more financially healthy. Finally, you will learn 10 all powerful “money habits” that should you implement, can transform your financial life. Commit in adopting maybe only a few if not all of them and it won’t take long to begin reaping the rewards.

Here Is A Preview Of What You Will Learn… Personal Finance 101: Things You Didn’t Learn At SchoolHow To Evaluate Your Current Financial Situation: Are You Financially Fit?Monitoring Income And Expenses: Are You Living Within Your Means?Budgeting Explained: How To Create A Budget That Fits Your NeedsHow To Get Rid Of Bad Debt And Become Financially HealthyStick To It: 10 Powerful Money Habits That Can Transform Your Financial Life

Get Your Copy Right Now

This plain-English guide to decide if Chapter 13 is right for you and to learn how to keep valuable property and discharge your unsecured debts.

Chapter 13 legal concepts, procedures, and monetary calculations can be tricky. Nolo’s Chapter 13 Bankruptcy breaks down the Chapter 13 process and provides clear explanations of the law so you can:

. consider alternatives to bankruptcy
. decide which is better for you — Chapter 7 or Chapter 13
. determine if you qualify for Chapter 13
. understand bankruptcy’s automatic stay
. learn how Chapter 13 can help avoid foreclosure
. find out if you can reduce your car loan balance, or the balance on other secured debts
. determine if you can strip second mortgages or home equity lines from your home
. calculate (with forms and step-by-step instructions) whether you have enough income to propose a repayment plan that will meet legal requirements
. calculate the amount of your monthly plan payment
. find and work effectively with an excellent lawyer, and
. rebuild your credit after bankruptcy

This newest edition includes new information on hiring and working with a lawyer, recent U.S. Supreme Court and other federal court decisions interpreting bankruptcy law, the latest bankruptcy exemption laws in your state, and recent IRS standard expense amounts (which play a role in plan payments).

This book does not cover business bankruptcies, farm reorganizations, or Chapter 7 personal bankruptcy. See Nolo’s How to File for Chapter 7 Bankruptcy.