16 August 2012

Pin It

Widgets

The Ins and Outs of Debt Consolidation

Too many credit cards and small loans?

Debt consolidation has become something of a buzz word in South Africa. But what is a debt consolidation and can it really help you? The short answer is yes! Sweeping up all the smaller loans and store card debt that you have with a consolidation loan can make your life easier and save you money. Smaller loans generally have higher interest rates and different payment dates during the month which can mean a lot of running around. By consolidating your debt,  the aim is to pay less interest and spend less time sorting out your credit responsibilities in the future.

When you approach a debt consolidation lender, arrange that your new monthly repayment be subtracted from your account first thing after receiving your income. This way, you will have a clear idea of the money you have left for the month and you can budget accordingly without worries about paying creditors.

To qualify for a consolidation loan you will have to go through the same process as applying for any other loan and the credit provider will do a credit check. Usually, consolidation loans require equity to secure the lowest interest rates. People with impaired credit records and those who are over indebted or blacklisted won't qualify for debt consolidation. They can apply for debt review, which is essentially the restructuring of one's debt into one repayment according to your affordability.

You can contact a debt counsellor and they will handle your creditors from there. Your main responsibilities will be filling in the application form and from there managing your finances within the budget you have as clients under debt review cannot get any new credit.

51 comments:

  1. This comment has been removed by a blog administrator.

    ReplyDelete
  2. Glorious read, I just passed this onto a colleague who was doing some research on that. I'd also encourage everybody to bookmark this page to your favorite service to assist spread the word. Thanks!

    ReplyDelete
    Replies
    1. Thank you Geraldine! I try and keep the information short and simple but your colleague is welcome to comment if they have more questions.

      Delete
  3. Thanks for sharing such a useful information. The information provided is very very niche. Logo Design , I was just surfing on internet and found your blog after reading this i realize that i should come here often.

    ReplyDelete
  4. This comment has been removed by a blog administrator.

    ReplyDelete
  5. You shared the best information about debt consolidation.
    Thanks,
    Debt Consolidation Loans

    ReplyDelete
  6. Some people think that it is impossible to get out of debt. However, this is not true. One can get out of debt through a debt consolidation. This debt relief option will help you to reduce your debt burden within 3-4 years. Your account status will be updated as "Paid in Full" on your credit report, once you pay off the debts through consolidation. There are several advantages of debt consolidation. The first advantage of debt consolidation is that you'll get rid of multiple high interest debts. The second advantage is that you can avoid the harassing collection calls. Debt consolidation helps you to merge your multiple bills into a single monthly payment and pay-off your debts comfortably. It will also reduce the interest rate on your debts and eliminate the late fees or penalties.

    ReplyDelete
  7. I have just found the Press Releases and news about Green Coffee Bean Max, Zeta Clear, Provillus, Garcinia Cambogia Select, Raspberry Ketone Max, Breast Actives, Phen375, Triactol, Venapro, Wartrol and African Mango Plus on top Social media sites and Newspaper, so i thought to share it with you guys!

    ReplyDelete
  8. Dr. OZ has recently endorsed 4 products on his Show as best Fat Burner Supplement for quick and Safe Weight Loss! Garcinia Cambogia Select, Green Coffee Bean Max, Raspberry Ketone Plus and African Mango Plus are Those Top 4 Dr OZ Weight Loss Pills!

    ReplyDelete
  9. I have just found the Press Releases and news about Green Coffee Bean Max, Zeta Clear, Provillus, Garcinia Cambogia Select, Raspberry Ketone Max, Breast Actives, Phen375, Triactol, Venapro, Wartrol and African Mango Plus on top Social media sites and Newspaper, so i thought to share it with you guys! http://creditcardconsolidationloan.us

    ReplyDelete
  10. A woman takes a lot of pride in her breasts, because they help her to feel naturally beautiful and stylish as a grown woman. Triactol is a breast enhancement serum that acts on the tissues surrounding your breast and gives them a younger appearance. Large, firm, perfect and perky breasts that give a natural look are the dream of every woman. There are different methods used for the breast enlargement. Triactol bust enhancement serum has gained a larger number of fans on the market and the demand for its use is constantly growing. Triactol serum renders outstanding and guaranteed results and offers you a 60 days money back guarantee as well. No other breast enhancement cream or any such product offers this kind of guarantee to the users. Triactol works by increasing breast tissues. In order to make breasts naturally larger and perkier, the growth of the tissues are being controlled the natural way. Throughout any Triactol review, you will notice that there are more then plenty of benefits from using this serum, because it is natural and it provide the scouted results. Triactol serum utilizes quality grown bright pueraria mirifica, which functions the most efficient. Triactol is the kind of effective serum that can make your bust size grow and grow, seemingly all on their own. Sure, the process will be a little bit more drawn out than a nip and tuck, but you’ll be protecting your future health while also improving your appearance. This is the kind of solution that you can count on, and a very real reason to buy Triactol, For more review about TriactolBust Serum, Visit http://www.triactolplus.com

    ReplyDelete
  11. Garcinia Cambogia Select is a breakthrough medical discovery in natural health and wellness and in sustainable fat loss and weight loss. Garcinia Cambogia is a weight loss and eating disorder remedy. It is a safe and effective non-stimulant that is made from all-natural fruit extracts that are being used at a low or high dosage depending upon the desired result. Garcinia Cambogia Select leads in melting off the awful inches from your waist. It makes you attain the desired shape and a gorgeous flat belly that you have always dreamt of! The Garcinia Cambogia Extract could be the most recent fat loss solution which comes highly recommended by non other that Dr Oz in fact he calls the Garcinia Cambogia Extract the Holy Grail Of Weight-loss. For more review about Dr OZ Garcinia Cambogia Select, Visit www.garciniacambogiaselects.com or find complete Garcinia Cambogia Select Review at http://www.prweb.com/releases/garciniacambogiaselect/reviews/prweb10331994.htm

    ReplyDelete
  12. Hair loss and thinning hair have been sensitive issues for men throughout time. Recently, medical science has finally identified the main cause of hair loss. Provillus hair loss solution is #1 choice to prevent hair loss! Provillus Natural Hair Loss Treatments are clinically proven to re-grow hair. Provillus hair regrowth treatment works for both men and women. Provillus for Men Natural Hair Loss Treatments contain the only FDA-approved topical ingredient clinically proven to block the production of dihydrotestosterone (DHT) and regrow hair. Provillus for Women Natural Hair Loss Treatments were specifically formulated for the different hair loss problems that women experience. The Provillus supplement is not licensed by the MHRA or FDA Approved and therefore is not a medically proven treatment for hair loss and there is no indication of any clinical trials having been carried out for the product. When buying Provillus we fell it very important to Buy Provillus from there Official Website. This will ensure the freshest product possible plus there website is extremely secure! Here is there Official Website: www.provilllus.com

    ReplyDelete
  13. I just found Review on Adiphene, Triactol, Provillus and ZetaClear, Phen375, Garcinia Cambogia Select and Acai Plus with Detox Plus Today, so thought it would be great piece of information to share!

    ReplyDelete
  14. As soon as i must express, as a whole lot while i precious learning what you may needed to express, As i is not going to assistance can lemon juice help acne Clear Skin Max ScamExternal Hemorrhoids treatments on the other hand diminish interest suitable before to much time. It is because while you obtained virtually any remarkable appreciation around the topic subject matter.

    ReplyDelete
  15. http://www.prweb.com/releases/bowtrol/coloncleanse/prweb11174496.htm, http://www.prweb.com/releases/venapro/solution/prweb11200549.htm, http://www.prweb.com/releases/wartrol/offers/prweb11202306.htm, http://www.prweb.com/releases/yeastrol/review/prweb11207120.htm, http://www.prweb.com/releases/provillus/men-women/prweb11217547.htm, http://www.prweb.com/releases/zeta/clear/prweb11226119.htm, http://www.prweb.com/releases/revitol/cream/prweb11232020.htm, http://www.prweb.com/releases/revitol/cream/prweb11232020.htm, http://www.prweb.com/releases/capsiplex/slimmingpills/prweb11255576.htm, http://www.emailwire.com/release/135636-Capsiplex-is-now-offering-2-EXTRA-Packs-and-Shipping-at-no-cost-with-the-purchase-of-5-Packs.html, http://www.sbwire.com/press-releases/african-mango-weight-loss-supplement-helps-individuals-get-into-shape-now-offers-extra-bottle-on-every-packages-365246.htm, http://www.sbwire.com/press-releases/yeastrol-a-homeopathic-remedy-now-available-to-ease-all-the-symptoms-of-yeast-infections-now-with-extra-bottle-offers-365167.htm, http://www.sbwire.com/press-releases/nrf2-activator-the-new-antioxidant-and-detoxification-support-formula-is-now-available-at-a-discounted-price-up-to-50-365144.htm, http://www.sbwire.com/press-releases/provestra-female-libido-enhancer-now-offers-its-valuable-customers-with-the-100-money-back-guarantee-on-purchase-364385.htm, http://www.sbwire.com/press-releases/pro-testosterone-the-best-testosterone-supplement-increase-the-hormones-with-all-natural-ingredients-now-with-free-bottles-363065.htm

    ReplyDelete
  16. LATEST Phen375 Coupons and Discount Coupon Code Update, The #1 Specially Formulated To Increases Body's Fat Burning Ability. Find latest deals and promo codes at Phen375 Coupons

    ReplyDelete
  17. VigRX Plus Review: YOU NEED TO READ THIS NOW! If you're thinking about trying VigRX there are things you must know before you even try this male enhancement pills. http://www.vigrxplusguide.com/

    ReplyDelete
  18. VigRX Plus Review: YOU NEED TO READ THIS NOW! If you're thinking about trying VigRX there are things you must know before you even try this male enhancement pills. http://www.vigrxplusguide.com/

    ReplyDelete
  19. VigRX Plus Review: YOU NEED TO READ THIS NOW! If you're thinking about trying VigRX there are things you must know before you even try this male enhancement pills. http://www.vigrxplusguide.com/

    ReplyDelete
  20. Penomet Pump is considered by many to be the worlds very best male enhancement Pump. But there are a few things you should know before buying!

    ReplyDelete
  21. Phenq Diet Plan helps to Supercharge energy levels, burn extra fat, suppress appetite & start losing your weight. Buy PhenQ and save with our discount offer!

    ReplyDelete
  22. Why Zetaclear Is The Best Treatment for Toenail Fungus. Read expert and consumer reviews and compare zeta clear to other fungus relief solutions.

    ReplyDelete
  23. Looking for proven, effective Dianabol for Sale without side effects? Discover premium Dbal-Max Pills currently helping guys build mass safely. http://www.dbalmax-reviews.com/

    ReplyDelete
  24. Thank you for sharing such type of information.there are very help full information for every one.keep sharing this type of information.
    PhenQ Diet Pills
    PhenQ Diet Pills
    PhenQ Diet Pills
    PhenQ

    ReplyDelete
  25. Crazybulk D-bal Review (SAFE DIANABOL FOR SALE) - Looking for the best steroid alternatives that produce anabolic steroid results? Check out this CrazyBulk Dianabol review! 

    ReplyDelete
  26. Breast Actives
    is a 3 step all natural solution for breast enlargement, combining breast pills, cream and a breast exercise and massage program.http://www.breastactivesbuy.com/

    ReplyDelete
  27. Phenq Diet Plan helps to Supercharge energy levels, burn extra fat, suppress appetite & start losing your weight. Buy PhenQ and save with our discount offer!

    ReplyDelete
  28. " best smart drugs Smart pills' are becoming increasingly popular among career women. But do they really boost your brain power. http://www.noocube-review.com/"

    ReplyDelete
  29. Natural Brain Boosters. Several supplements are available that claim to boost your brain power. Do they work? Don’t buy any thing before reading experts reviews and opinions. brain boosting

    ReplyDelete
  30. " Nootropics or smart drugs, are being used around the world by students, entrepreneurs, small business owners, athletes, poker players and housewives. http://www.noocube-review.com/"

    ReplyDelete
  31. having more sex can make you live longer Male Extra pills are famous on the market. But you have to know some side effects and results. My prof review will help you.

    ReplyDelete
  32. Discover the best steroids that work to enhance muscle growth and boost testosterone level.

    ReplyDelete
  33. You should channel all of your efforts towards Max Testo XL. It is worth a look-see. I presume using that however I can be wrong. Can somebody

    else feel the love for using this? The following steps demonstrate an elementary system for doing this. It wasn't a burning question. I can't get

    started with doing it. There are a number of daily expenses to ponder. I'm confused by this. That isn't a time to tempt fate. That is valuable.

    Do you know any reason why this may be happening? I suppose you're sitting on pins and needles. Max Testo XL is the best as I am not the best Max

    Testo XL user in the world.



    Max Testo XL

    http://www.healthytalkzone.com/max-testo-xl/

    ReplyDelete
  34. Crazy Bulk
    http://www.legalsteroidszone.com/
    Here I go again, spouting my butt covering musings touching on Crazy Bulk. You have to seek out a freely available Crazy bulk Steroids is that it is less superficial pertaining to Crazy Bulk Reviews. I hold my cards close to my chest. This is a clear headed view. Obviously, today, you have a lot of persons ripping off your inconvenience. It is more like a library of Crazy Bulk Supplements concepts. This was a bitter disappointment. You might need to attempt to do it from your bathroom. The advantages of Crazy bulk Steroids are still rather vast. What's the catch? That is neither here nor there. That is a down to Earth viewpoint relative to this. That is a very good element for you when you hear stories apropos to Crazy Bulk yet I have a brain like a steel sieve.
    Crazy Bulk Reviews
    Crazy Bulk supplements
    Legal Steroids Zone

    ReplyDelete
  35. Alert! - Do Not Buy BlackWolf Workout supplements Until You Learn The Shocking Facts About It Now. CLICK HERE for Reviews, Results, Ingredients and Possible Side Effects!

    ReplyDelete
  36. I, gravely, can seize upon Garcinia Clean XT Pills. Permit me give you up to the minute updates. It is really duplication proof. Garcinia Clean XT was offered by umpteen dealers at that time. The great amount of monthly disappointments is not a question. With smart shopping, you can find a Garcinia Clean XT that's right for you. >>> http://www.garciniasstore.com/garcinia-clean-xt/

    ReplyDelete
  37. Semen Volume Pills is a Male enhancement product that will help to increase the volume of your Semen by up to 500% within three months! Start shooting loads like the best P**n Stars do!

    ReplyDelete


  38. I'm a happy camper. You might suspect that I'm over the hill. Do you have to make concessions on giving the idea of being done for? That's not all it's hyped up to be. Most communities have a few easy questions regarding Max Brain Fuel
    . That's how to tell if Max Brain Fuel Reviews is doing what it should.Visit Here :- http://www.slimnojymfacts.com/max-brain-fuel/

    ReplyDelete
  39. That would be very cute if this stuck to small baby steps. Top dogs can just take so much. Check this out, "Actions speak louder than words." What I'm getting at is you might want to come up with this concept that deals with
    Garcinia Fuel
    in an unique way?
    >>> http://www.slimnojymfacts.com/garcinia-fuel-reviews/

    ReplyDelete

  40. With all due respect, everyone has a
    Follicle RXdifferent proficiency level. I quickly realized this Follicle RX had several limits. There's one law for the wealthy, and another for the poor. Another rad advantage of Follicle RX is that you know what you are getting into.
    >>> http://www.folliclerxstore.com/

    ReplyDelete
  41. How do you do that? Once they've obtained Intelleral, everything else is pretty much a part of Intelleral. You won't need to give me the third degree to locate that for yourself. That is an authoritative report on Intelleral. After seeing Intelleral firsthand I could recommend Intelleral. I follow which side my bread is buttered on. In my own experience I locate that Intelleral varies quite a bit. It would be helpful to Intelleral once in while if one customarily does Intelleral at home.
    http://www.supplementrail.com/intelleral-reviews/

    ReplyDelete
  42. Natural Penile Enhancement Product Work as Testosterone Boosters Some men suffer from a hormonal deficiency called low testosterone. It's where the male hormone isn't being made enough by the body. This can deplete sex drive and libido, and even sexual energy and eventually can cause problems like erectile dysfunction. There is usually the allopathic method of doing things like visiting a medic and availing the available treatment choices.There are prescription meds for treating it, but they are pricey and invasive, and usually require several tests and shots to figure and most certainly not to say the aspect effects. This is easily, one in every of the high reasons men use male natural enhancement pills and product as testosterone boosters.
    http://www.suxorfree.com/clemix-reviews/

    ReplyDelete
  43. https://sites.google.com/site/opticgarrcinia/
    https://robertmacwik.tumblr.com/
    https://getopticgarciniablog.wordpress.com/
    http://www.dealhitch.com/optic-garcinia/

    ReplyDelete
  44. This house therapy utilizes Property Pulse Light Technologies (HPL). Light primarily based hair removal is established by the concept optical energy is useful to disable the growth of hair. In replace on this for taking place, Rejuvalex the head of hair shaft demands to selectively take in substantial optical light energy and then transform it into heat. The epidermis and surrounding tissue is cooled by a cooling mechanism throughout remedy. As soon as the hair development is disabled, lengthy expression uncomfortable is attained.
    http://www.suxorfree.com/rejuvalex-reviews/

    ReplyDelete

Related Posts Plugin for WordPress, Blogger...