Other TTT videos related to debt:
https://youtu.be/oQjD9u0IXb8
https://youtu.be/vwNOFeI6sXA
https://youtu.be/HEJ2z04mqUU

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DISCLAIMER: I am not an expert or a financial advisor. I simply love talking about finances and want to share my journey to financial freedom and help others along the way!

Stop paying unfair medical bills now! The updated 2025 laws are here to protect seniors like you from wrongful charges, outdated debts, and financial exploitation. In this video, you’ll discover how new regulations empower you to challenge denied medical claims, avoid illegal debt collection tactics, and take advantage of expanded financial protections.

Learn step-by-step strategies to fight insurance denials, stop paying expired debts, and access utility assistance programs that cut costs dramatically. We’ll also reveal how to qualify for property tax relief, cancel unwanted subscriptions without penalties, and avoid hidden bank fees—all while boosting your confidence and financial independence.

These changes are designed to protect your health, wallet, and peace of mind. Don’t let outdated practices hold you back. Watch now, stay informed, and start taking control of your finances today! Together, we’ll navigate these protections and ensure you get the benefits you deserve.

#surprisemedicalbill #balancebilling #advocacystrategies #rightsadvocacy #medicaldebt

#insuranceresources #financialsecurity #insuranceappealprocess #deniedinsuranceclaimappeal #appealingadeniedmedicalclaim

#patientadvocacy #insurancedenialappeals #seniorfinancialprotections #medicalbilling #insuranceappeal

#pensionprotection #medicalbillprotections #creditcounseling #utilityassistance #lowincomehomeenergyassistanceprogram

CHAPTERS:
00:00 – Senior Protections Overview
00:49 – Denied Medical Bills and Insurance Issues
07:59 – Debt and Statute of Limitations Explained
13:43 – New Illegal Collection Agency Tactics
19:39 – Utility Bill Assistance Programs
27:21 – Credit Card Debt Relief Options
33:53 – Property Tax Exemptions for Seniors
41:50 – Identifying Unused Subscriptions
49:21 – Strategies for Reducing Monthly Expenses
49:35 – Prohibited Bank Fees for Seniors
55:50 – Challenging HOA Fees and Assessments
1:03:20 – Shocking Medical Bill Loophole
1:09:10 – Medicare Prescription Payment Plans
1:11:07 – Accessing Financial Protections for Seniors

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.

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SA government is still paying for international debt from YEARS ago!

Our government steals from us while we spend our lifetimes paying taxes to pay off their DEBT!

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=============================

? Recommended Playlists

???? Entrepreneurship
https://bit.ly/3VefF1S

????Mental Health
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???? Arise, South Africa, President Mpho Dagada on SABC News
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=============================

? About Mpho Dagada.

Mpho Dagada, who is a bestselling author, entrepreneur, and speaker, draws on personal life successes and passions to inspire and rally global agents of change to build a more profitable future for all to ensure that each individual becomes an asset in their organizations, advocates of change in their society and leaders in their world.

Mpho uses this Channel to inspire, educate, and encourage everyone to aspire to achieve their dreams, discover their purpose, and press toward realizing it.

Stay tuned for mindset-altering insights, perception-shifting conversations, laughs, and more “aha” moments than you’ve experienced elsewhere.

For Collaboration and Business inquiries, please use the contact information below:

???? Email: md@mphod.com

???? Transform your thinking and lead the change in your world. Subscribe to Mpho Dagada’s channel for inspiration and actionable insights: https://bit.ly/49RiBpB

=================================

#MphoDagada #AriseSouthAfrica #Taxes #Debt

Disclaimer: I do not accept any liability for any loss or damage incurred from you acting or not acting as a result of watching any of my publications. You acknowledge that you use the information I provide at your own risk. Do your research.

Copyright Notice: This video and my YouTube channel contain dialogue, music, and images that are the property of Mpho Dagada. You are authorized to share the video link and channel and embed this video in your website or others as long as a link back to my YouTube channel is provided.

© Mpho Dagada

In this video I’m taking you through the process of how a debt gets to be a prescribed debt, the Pros and Cons.

To book your credit repair program go to my website

https://thandofinancialeducation.co.za/

#creditrepair #creditreport #creditscore @MapaloMakhu @TalkingMoneyWithNozi@MirandaZulu

In this video, Keith Wright breaks down some tips to help you pay off credit card debt while saving time and money on interest.

SHADED MONEY | IMPROVING YOUR FINANCIAL HEALTH

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Chapters
0:00 – Intro
0:32 – What is debt consolidation/Credit card interest rates
1:22 – #5 Payday Loan
1:57 – #4 Personal Loan
2:34 – #3 Personal Line of Credit
3:09 – #2 Balance Transfer
3:48 – #1 Employer Sponsored Retirement Plan Loan
4:34 – Outro

Intro Music: KY
Background Music: T-Reg

In Loving Memory of Maurice Dwayne McIntosh II
All Rights Reserved. K. Wright Holdings, LLC. 2022

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You’re Wrong… Paying Debt Off Early Works (4 Reasons):
Conventional wisdom suggests that paying off debt early at the expense of some of your investment money in the short term is a bad trade unless the debt you’re carrying is high interest debt like credit cards. The thinking is why would anyone want to pay off debts with 5% or 6% interest rates when they could instead invest that extra payment money into the markets and earn 7%-10%. And, to be fair, there are certainly instances where that logic makes a lot of sense. I know the title of the video is pretty black and white, but that’s mainly because in my experience the discussion surrounding this topic presents it as a very clear cut decision and I feel that there’s a bit more nuance to it that often gets lost in translation. Today I’m going to be going over 4 reasons why I feel that, in certain situations, paying off even lower interest debts can be the better approach, even if it means giving up some investment returns in the short-term.

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How Do I Change Jobs While Paying Off Debt?
Say goodbye to debt forever. Start Ramsey+ for free: https://bit.ly/35ufR1q

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ABC News’ Faith Abubey reports on individuals who have paid off mountains of debt in the midst of the pandemic.

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Deciding between a balance transfer credit card and a debt consolidation loan depends on the terms you get, the repayment plan, and your comfort with risk. A balance transfer credit card is a great option if you can get a 0% introductory APR, AND you can pay off the balance before the period expires. A debt consolidation loan might be better if you need a more extended period to pay off the debt.

So, when thinking about debt consolidation, you need to think about these things:

1. Are you just kicking debt down the road? Meaning ae you paying off debt by taking out more debt? You have to lower your spending and be committed to not accruing more debt as you work on paying off
your debt.

2. If you have a low credit score, you probably won't be able to get a lower interest rate on the balance transfer or debt consolidation loan. So, first focus on making on-time payments, paying off debt, and increasing your credit score.

3. make sure you have a budget and have found a way for that budget to work successfully in your life.

Now, of course, I always recommend paying off your debt by buckling down, controlling your spending, and learning about why you are debt in the first place. Addressing and understanding why you go into
debt is critical if you want to make changes to stay out of debt in the future.

That said, when you are facing financial hardship, sometimes debt consolidation can help when you have high-interest debt that is not manageable.

CHAPTERS
Intro: 00:00
What is debt consolidation: 00:54
The benefits: 01:45
How to consolidate your debt: 03:23
Things to consider: 09:55

?? SHOULD YOU CONSOLIDATE YOUR DEBT: https://bit.ly/3e69JAv
?? SHOULD YOU CONSOLIDATE STUDENT LOANS: https://bit.ly/3oy9xPw
?? FINDING YOUR WHY: https://bit.ly/3aJUryj
?? THE BUDGET MOM’S FINANCIAL FREEDOM STEPS: https://bit.ly/3cfJXsp
?? HOW TO GET STARTED WITH THE CASH ENVELOPE METHOD: https://bit.ly/2vQJaO5
?? HOW TO CREATE A PLAN OF ATTACK TO PAY OFF DEBT: https://bit.ly/2wDETxF

ABOUT ME

I’m the blogger behind https://www.thebudgetmom.com. I have a rambunctious 6-year-old son, live in Washington, and I’m passionate about helping people with money management and personal finance. Let me know what you like to learn more about! Leave me comments and suggestions on my video and let me know!

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