If you’re feeling overwhelmed by monthly repayments and falling behind on bills — debt counselling might be the lifeline you need. ??

You qualify for debt counselling if:
? You’re unable to pay all your debts on time
? You have a steady income
? You’re classified as over-indebted after a formal assessment

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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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Because of high inflation and higher costs of living, many women are struggling to make ends meet and drowning in insane credit card debt.

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DISCLAIMER:
All content in this video is for education, illustration and entertainment purposes. The advice given should not be taken as legal, nor financial advice

Struggling to get a handle on debt?

In this video, I break down the difference between debt consolidation and debt settlement to help you understand which option might work best for your situation.

Learn how each approach affects your payments, credit, and overall financial goals.

Budget sheet: https://www.square1accounting.com/_files/ugd/7e2248_c7d700c870b74869aa2e278d268a5fac.xlsx?dn=2024%20Budget%20%26%20Debt%20Managment%20Worksheet.xlsx

Budget App: EveryDollar

Debt Consolidation Card offer: https://www.citi.com/credit-cards/compare/balance-transfer-credit-cards

Debt Review is a debt solution targeted at South Africans who are struggling to make debt repayments.

ARS debt consultants helps clients organise an affordable, realistic and structured monthly budget and debt management plan.

We also help clients facing financial difficulties solve their debt problems and empower them to take back control over their financial situation by negotiating with creditors and initiating a payment plan.
Debt Review provides clients with a guideline for eliminating and remaining out of debt.

Contact Us Now
Calls: 021 201 6486
Whatsapp: 081 768 3100
Email: marketing@arscredit.co.za
Website: www.arscredit.co.za

One of the first and biggest positive steps to taking control of your debt is to consolidate it.

? This video is sponsored by NOW Finance.

NOW Finance is a trademark of Now Finance Group Pty Ltd ACN 158 703 612 Australian Credit Licence number 425142, as agent for NF Finco 2 Pty Ltd ACN 164 213 030.

? To learn more about NOW Finance visit: https://nowfinance.com.au/get-my-rate-finder

? Read more about debt consolidation on Finder – https://www.finder.com.au/how-debt-consolidation-can-help
If you are struggling with your personal finances, consider speaking to a professional financial counsellor by calling the National Debt Helpline on 1800 007 007 or visiting: https://ndh.org.au/

? Struggling under bills? How debt consolidation can help
0:09 – Debt consolidation benefits
0:47 – Personal loan vs. credit card debt
2:03 – Consolidating multiple debts into a single personal loan
2:42 – Further benefits of consolidation

Finder Disclaimer: This is general advice only. Consider the product information (including its terms and conditions) and your own circumstances before you make any decision about the topics or products discussed. Compare your options and get advice if you are uncertain. Hive Empire Pty Ltd ACL 385509; CAR 432664.

Millions of college students are graduating with debt and now borrowers owe a total of $1.5 trillion nationwide. Mark Strassmann reports.

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