Hi! This is our updated debt payoff plan for April, we are still trying to figure everything out but we are still on track to paying off our credit card debt by the end of this year!

Current Credit Card Debt: $8,959.60

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Debt consolidation loans are popular, and can seem like a surefire way to get your bills in order and get out of debt. However, there are several risks that you should identify before applying for a debt consolidation loan.

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Debt Settlement Debt can be suffocating. Once you fall behind on monthly payments, it can feel impossible to catch up and get out of the hole. With our debt settlement service, you can speak one on one with a ReduceMyDebtByThousands.com trained debt, people may struggle to make the minimum monthly payment. This is because they are not only paying back what they initially borrowed but are also dealing with interest rates on this amount plus things like overcharge and late fees. Settling a debt will allow you to reduce your monthly payments and the opportunity to reduce your debt principal, not just your interest rates. An effective debt settlement program can typically reduce your total principal by 40 – 60% and get you out of debt in 12 – 36 months but it does affect your Credit in a negative way.

Debt consolidation rolls multiple debts into a single payment, while debt settlement is a negotiated agreement in which a creditor accepts less than the full amount owed. Learn more about the pros and cons of debt consolidation and debt settlement and see which is right for you.

To learn more about Freedom Debt Relief, please visit:
Facebook: https://www.facebook.com/freedomdebtrelief/
Twitter: https://twitter.com/FreedomDebt
Instagram: https://www.instagram.com/freedomdebtrelief/
TrustPilot: https://www.trustpilot.com/review/freedomdebtrelief.com
Freedom Debt Relief: https://www.freedomdebtrelief.com/what-we-do/

Facts about debt settlements, debt settlement companies and credit counselling that you need to know. Your future depends on making an informed decision on how you pay off your debt. Debt settlements aren’t for everyone. Find out why and don’t be sucked into a program that won’t work for you – and could create even more debt. You have other options, like a debt management program that may suit your situation better. Contact the Credit Counselling Society today at 1-888-527-8999 or visit us at www.nomoredebts.org and become debt free.

Best known as the author of Rich Dad Poor Dad—the #1 personal finance book of all time—Robert Kiyosaki has challenged and changed the way tens of millions of people around the world think about money. He is an entrepreneur, educator, and investor who believes that each of us has the power to makes changes in our lives, take control of our financial future, and live the rich life we deserve.

With perspectives on money and investing that often contradict conventional wisdom, Robert has earned an international reputation for straight talk, irreverence, and courage and has become a passionate and outspoken advocate for financial education.

Robert’s most recent books—Why the Rich Are Getting Richer and More Important Than Money—were published in the spring of this year to mark the 20th Anniversary of the 1997 release of Rich Dad Poor Dad. That book and its messages, viewed around the world as a classic in the personal finance arena, have stood the test of time. Why the Rich Are Getting Richer, released two decades after the international blockbuster bestseller Rich Dad Poor Dad, is positioned as Rich Dad Graduate School. Robert has also co-authored two books with Donald Trump, prior to his successful bid for the White House and election as President of the United States.

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This distant Reiki healing will assist with clearing financial blocks so that you can experience more abundance in your life. Subscribe to my channel to receive my latest uploads. 🙂

Listen to it as many times as you feel drawn. Reiki only helps, never harms. Trust your intuition!

It’s always good to drink water after receiving energy healing to help integrate the energy!

The music is playing in the background and is separate from the healing.

You do not need headphones to listen. Just press play and receive the energy.

I do not recommend driving or operating heavy machinery while receiving energy healing because everyone is impacted differently.

This is not a substitute for medical care.

For more answers to common questions, please watch this video: https://www.youtube.com/watch?v=Bb1EA6tTWjk&t=10s

Subscribe to my newsletter to receive a free download of my healings by topic: http://www.blendedinsight.com

Private session purchases, more information on energy healing, and extended downloads are located on my website: http://www.blendedinsight.com

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Visit us by going to https://www.debtreview-sa.co.za/

Debt Review is a process in terms of the National Credit Act for over indebted consumers. The purpose of the act is to protect the over indebted consumer against Credit providers.

The first step in the process is to get the help from a debt counsellor and we do recommend that you do work with a company that has a NCR number and thus is registered with the NCR.

When considering debt consolidation, you should think about how, and if, it will actually help you achieve your financial goals. Be cautious and know your options. Not everyone offering to help consolidate your bills are really providing you with a debt relief solution, as much as they are looking for customers.

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Read more about cautions before consolidation see: http://consumerrecoverynetwork.com/consolidating-credit-card-debt

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Michael Bovee started CRN in 2004 with a mission to provide people in need with detailed credit and debt help. The DebtBytes Channel is an extension of the CRN blog, and is dedicated to finding the debt relief option or strategy that works best for you.

What is credit counselling all about?
On this week’s show we talked with Heather Cudmore, a credit counsellor with Mosaic Counselling and Family Services, a program of Carizon Family and Community Services in Kitchener, Ontario. We had an open and honest conversation about credit counselling, debt management plans, and your options when dealing with debt. Some of the topics we covered:
What exactly does a credit counsellor do?
Who does a credit counsellor work for?
Is it true that they are just a collection agency for the big banks?
What does it cost? What are the fees?
Isn’t a debt settlement better and cheaper? What about other options?