What is Debt Counselling?

Debt Counselling is the process where a debt counselor renegotiates your debt with your creditors to decrease monthly installment, interest rates and ensure none of your possessions gets repossessed.

It is nothing to be scared of and is a process that’s regulated by the National Credit Regulator.

If you feel like you have too much debt contact us and we will be glad to help.

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Joining ABN’s Hannah Viviers in studio to discuss creating a better class of consumer is Magauta Mphahlele, CEO of the National Debt Mediation Association.

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Credit cards can be a useful financial tool, but if you start taking on credit card debt, it can take control of your life. Learn why your relationship with credit cards is unhealthy and how you can use credit counseling to take a break from credit so you can find your financial independence and break your bad credit habits. Once you’ve found your power, then you can decide if you want to let credit back into your life.
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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.

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Nowadays, many young people often find that their lives are difficult, despite hard working, the income barely enough for daily necessities. While, some others have more comfortable lives with just the same amount. What’s the problem? Tighten belt helps them get extra monthly saving? Or they spend less? Or even an extra income?

Have you even considered to your unsuitable spending ways, you may not take a full use of incentives offering by service providers? So how does financial management work? How to live comfortably having regular monthly surplus? If you are asking yourself these 3 questions. My share of  – RULES OF MONEY MANAGEMENT FOR DEBT FREE AND BETTER SLEEP – should be just for you.

Audiences usually stuck in their regret feelings of wasting their money and hope to turn back the time!

Through this book, you will learn how to become a financial manager for yourself. People see numbers are complicated and difficult. For the 8 methods of increasing income and 7 ways for wise saving revealed in this book, you will be guided clearly and in detail that just make everything becomes so simple

Whatever your starting point, this book provides you methods to manage your finance. You can definite exactly how much money you own. This is a very important step for well-being in the future. You learn how to invest your financial resources in the most effective way!

Earning money is important, and how to manage it even each penny is the same  –  Lisa Casey

Please refer the table of content and buy it now with single click.

Table of contents:

Introduction

Chapter 1 – Money Management 

Effort-Less Ways to Increase your Income Dues to pay for, when earning more

Chapter 2 – Planning for monthly balance

Planning for monthly spending Planning for monthly income Overall managerment of monthly balance

Chapter 3 – Budgeting Basecamp

Budgeting Simple Tools for Budgeting Budgeting Rules Tips (Steps on sticking/Making a Budget)  Benefits of Budgeting Wants versus Needs

Chapter 4 – Increasing the Income (8 Ways to Increase Your Income)

No.1 Do some freelancing gigs No 2. Sell some stuff online or offline No 3. Put up your own mini business or franchise—whether on your own or with friends No 4. Carpooling and driving No 5. If you have a blog, make money out of it No 6. Draw a crowd No 7. Finding a roommate No 8. Passive Income

Chapter 5 – Strategies for Saving

Below are different strategies that will help you save money 7 Other practical strategies to save money

Chapter 6 – The Downside of Money Management 

Disadvantages of Using Credit Cards Disadvantages of Using Debit Cards Using debit cards and credit cards with an inconsistent income

Chapter 7 – Financially Free

Spending money wisely How to budget for retirement allowance? Things that elderly people forget to prepare for

Conclusion. 

Today’s families are suffering from two major calamities–major debt and severe health issues. Too often people decide they have to choose between eating well and paying bills. Our fast-paced lifestyles lend us to eating on the go, majorly at fast-food restaurants. With each day, month and passing year, our pants grow larger and our wallet gets smaller. In this thought-provoking book, Jessica Cassidy chooses to target the reader’s debt to alleviate the obstacles that often stand in the way of eating healthy and taking charge of one’s health. “Eating Your Way Out of Debt” teaches you how to: *navigate a grocery store, *create delicious meals for pennies on the dollar *Implement time management to keep you ahead on those busy nights where cooking seems like a chore. This book will challenge your way of how you have cooked and prepared meals for your families for years and will ignite a passion of becoming more sustainable and self-reliant.

If you are looking for a common-sense approach to personal finance and money management, then Personal Finance For Beginners In 30 Minutes, Vol. 1 is for you! In just a half-hour, you’ll pick up practical tips and even a few tricks that will help you control spending, reduce debt, and take a smarter approach to managing your financial resources.

Personal Finance For Beginners In 30 Minutes, Vol. 1 does not feature heavy-duty financial jargon or gimmicky “easy money” schemes. Instead, the guide uses common sense, easy-to-understand language, and lots of examples to show you how to cut expenses and save more money for the things that really matter in life. Topics include:

Aligning spending with priorities Income, assets, and equity Flexible vs. fixed expenses Limiting luxury spending and online shopping How to shave thousands off of telecommunications and utility bills Cutting car costs Refinancing explained Dealing with credit card debt Online banking and alternative payment systems Using software to track expenses and budgets

The ultimate goals of Personal Finance For Beginners In 30 Minutes, Vol. 1 are to help you understand your finances, cut costs, and make sensible decisions about spending which are aligned with your life priorities. Some of the tips can help you start saving hundreds or even thousands of dollars on everything from cable TV to credit cards.