Join April as she reviews her August debt snowball and savings challenge

#savingchallenge #savingmoney #moneysavingchallenge

Don’t forget to swing by our Etsy store to pick up the latest in Tiny and mini challenges, trackers, and savings challenges got to: BudgetingSistersShop.Etsy.com

Mid-Year Financial Review
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Are you on track with your financial goals this year? It’s time for a “Mid-Year Financial Review” to ensure you’re making the most of your money in 2024. This essential financial checkup can help Canadians stay on course, make adjustments, and set themselves up for success in the latter half of the year. In our latest video, we break down the steps to conduct a thorough mid-year financial review, offering expert advice tailored specifically for Canadians. Don’t miss this opportunity to fine-tune your financial strategy and achieve your goals!

The first half of the year has flown by, and it’s the perfect time to pause and assess your financial situation. A mid-year financial review allows you to reflect on your progress, identify areas for improvement, and make necessary adjustments to ensure you meet your financial goals by year-end. Whether you’re saving for retirement, paying down debt, or building an emergency fund, this review is vital to staying on track.

Review Your Investments:
The financial markets can be volatile, making it essential to review your investment portfolio regularly. We discuss how to analyze your investment performance, rebalance your portfolio, and adjust your risk tolerance to ensure your investments are aligned with your financial objectives.

Tax Planning:
Mid-year is an excellent time to review your tax strategy. We highlight important tax-saving opportunities, such as contributing to RRSPs and TFSAs, and discuss how to plan for year-end tax considerations. Proper tax planning can help you keep more of your hard-earned money.

Insurance Review:
Ensure you have adequate insurance coverage to protect yourself and your family. We cover the types of insurance every Canadian should consider, including life, health, and home insurance, and explain how to assess your coverage needs.

Set New Goals:
Based on your mid-year review, it’s time to set new financial goals for the remainder of the year. We provide guidance on how to create realistic and achievable goals, along with tips on staying motivated and tracking your progress.

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This video is not just for economists or financial experts; it’s for anyone concerned about their financial well-being in the coming years. If you’re looking for ways to safeguard your investments, plan for retirement, or understand the economic indicators that could impact your future, this video is your go-to resource.

By the end of this discussion, you’ll have a clearer understanding of the driving forces behind rising interest rates, market volatility, CPP / OAS, Retirement planning and the tools you’ll need for protecting your assets and ensuring a secure financial future.

Don’t leave your financial future to chance. Equip yourself with the knowledge you need and consider getting professional advice to navigate these uncertain times. Subscribe for more insights and actionable tips.

Disclaimer: This video is for informational purposes only and should not be considered as financial advice.

If you have any further questions about this video’s topic or any financial planning questions in general, I encourage you to schedule your confidential meeting with me. ?You can schedule your meeting here: https://calendly.com/aaronwealthmanagement

? ???????????????????????????????????? to our Channel here: http://bit.ly/2lPUJjA???

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Hello to all our friends!
This is Joel and Christy and it is our goal to help you save money, especially when it comes to your groceries. It is our hope that as we share and apply what we have learned throughout our debt free journey, you will be able to save money in The Long Run. Go ahead and subscribe so that you don’t miss these important tips.

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Today we will cover: We will be sharing our review of a new set of lavalier microphones that we purchased from Amazon. They are Rythflo wireless lavalier microphones. In this video, we decided testing our new mics in a Sam’s Club walkthrough would be a great way to make sure that the noise reduction worked.
We do have a section of the video that was recorded without noise reduction so that we could make sure you could tell the difference. I did not add noise reduction in the edit stage either to make sure that it was the microphone and not the editing software. If you would rather not here the static in the video, forward to 3:37:23

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Please let us know if you are looking for tips to live a healthy life without breaking the bank. Let us know if you have any video requests and we will try to provide a video as soon as possible.

Channel Lineup
Monday – Grocery Hauls, Meal Plan videos, Recipe Videos
Wednesday – Frugal Living Tips

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Debt Review Removal Misconceptions

Exiting debt review in South Africa can seem like a quick fix, but there’s a lot of misinformation out there. Here are some common misconceptions that could land you in hot water;

Myth #1: The Debt Review Removal Process is Easy.

Exiting debt review isn’t a simple process. It requires following specific legal procedures based on each client situation.

Myth #2: There are No Consequences.

Not complying with a debt review court order can lead to serious penalties under Section 160 of the National Credit Act (NCA).
161. Any person convicted of an offence in terms of this Act, is liable-
(a) in the case of a contravention of section 160( I), to a fine or to imprisonment
for a period not exceeding 10 years, or to both a fine and imprisonment; or
(b) in any other case, to a fine or to imprisonment for a period not exceeding 12
months, or to both a fine and imprisonment.
(Section 161 of the National Credit Act of 2005)

Myth #3: Thinking that you will still enjoy the protection and benefits of debt counselling.

Leaving debt review means losing legal safeguards and reverting to original credit terms. Be sure you’re financially ready before taking the leap because some creditors will take legal action.

Myth #4: Lawyers Do It All (My Attorney will deal with this)

Attorneys cannot directly remove your debt review listing. Debt counsellors handle the process with attorney assistance when needed for court appearances.
Myth #5: I Can Easily Afford Debt Review Removal

While exiting debt review offers freedom, it’s important to understand the financial implications. Contrary to popular belief, debt review removal often incurs hefty fees. Legal professionals like attorneys and some debt counsellors can charge anywhere between R1500 and R12000 for the application process itself.

Here at The National Debt Review Center, we offer a transparent approach with a fixed fee of R8550, payable conveniently over 2-3 months. However, this doesn’t cover everything. You’ll still need to factor in:

Your original Debt Repayments: Exiting debt review means resuming your original debt repayments, so ensure your financial situation can handle that responsibility.
Outstanding Debt Counselling Fees: There might be outstanding debt counselling fees from your previous debt review plan.
Therefore, we strongly advise that if you are considering debt review removal, do so only if your financial situation has truly improved and you’re no longer over-indebted.

Read the full article here https://ndrc.org.za/thinking-of-exiting-debt-review-or-debt-review-removal/

#southafrica #moneymanagement #financialfreedom #personalfinance #ndrc #debtcounselling #creditrepair #debtrelief #financialtips #debtfree

The question arises whether once a Consumer has settled all their accounts (except a home loan) whether a debt review court order should be rescinded?
Vanessa Johst, discussed why it is not necessary to do rescind a court order.
Want to know more about debt review. Visit www.dcasa.co.za