Blog - Debt Consolidation

Blog - Debt Consolidation

One Debt | Take The First Step | Save-electricity

How to Save on Electricity Bills Now, Before Winter is Back

Summer is a happy season. The many hours of sunlight, the clear skies and hot days all contribute to lower electricity usage. Saving electricity is hardly thought of during summer. Cooking is easier – many enjoy the benefits of light easy meals and outdoor cooking. And, as it is far from chilly, heaters are packed…
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One Debt | Take The First Step | 2022

Start the New Year Right with These Saving Ideas

Many people start a New Year with earnestly devised New Year resolutions. And then, a month into the year, they forget them. The trick is to make a plan that you can stick to, and then reap the rewards. How to live frugally, yet comfortably: Being frugal means that you are conscious about where your…
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One Debt | Take The First Step | debt

Avoid Financial Stress in 2022

If you are concerned about your finances, you are not alone. Many people throughout our country are dealing with financial difficulties and uncertainty. It may be that your work contract has not been renewed, you are suffering from an illness that makes it difficult to work, or you may be feeling overwhelmed by debt. Financial…
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One Debt | Take The First Step | How-to-Save-Money

You Can Save Money this Christmas

It is almost the end of the year, a time for holiday, relaxation and Christmas. Christmas is usually and expensive time of the year, but it doesn’t have to be. As we all spent last Christmas in lockdown, people may want to treat the family more than usual. Be that as it may, it doesn’t…
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One Debt | Take The First Step | Why-Is-Debt-Expensive

Why Debt is So Expensive

Let’s face it – debt is expensive. What many people aren’t aware of is that debt is actually expensive. The cost of the debt is decided by the credit providers and the bank. They make their profit by charging you interest on the loan you have taken out. According to the World Bank, South Africans…
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One Debt | Take The First Step | budget-1

Think Ahead. Here Are a Few Tips on How to Avoid More Debt.

Are you worried about the future? Scared that you will incur more debt? By carefully planning and avoiding debt, you can have peace of mind that you have good financial health. Staying away from debt is one of the best things you can do, for yourself, and for your family. Let’s have a look at…
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One Debt | Take The First Step | Avoid-Debt.

How Can a Debt Counsellor Help You?

Are you feeling under pressure from letters of demand, phone calls from creditors, and have credit cards that are out of control? If you feel you are drowning in debt, it is time to stop and take a good look at how you can stay afloat. A person who has too much debt and cannot…
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One Debt | Take The First Step | debt-consolidation

What is a Debt Consolidation Loan, Exactly?

A debt consolidation loan is a type of loan that can be seen as an effective way to refinance your debt. In other words, it means taking out another, bigger loan to pay off your other current debt. It is seen as a financial solution where instead of having a number of monthly repayments; only…
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One Debt | Take The First Step | No-Loans

Why Debt Counselling is Better Than Another Loan

A large number of South Africans believe that if they cannot afford to pay off their loan, they should take out another to cover their expenses. This is certainly a misconception, and in fact, will only lead to a worse financial situation. Another loan will mean yet more debt. If you cannot afford the repayments…
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One Debt | Take The First Step | erasing-debt

Overwhelmed by Debt? What is the Next Step?

It can be tough to make ends meet in these increasingly more difficult economic times. Quite often, one can find themselves sinking further into debt. If you’ve recently received a reduction in your working hours, or worse, no longer have a job, your debt may feel overwhelming and you may feel there is no end…
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One Debt | Take The First Step | Spiralling-debt

Is Debt Review the Answer to Your Debt Problem?

You may be among those trapped in debt. Quite often, this starts with just one life changing event. Perhaps you have lost your job, or have contracted an illness that does not allow you to work. Perhaps your vehicle has broken down and the cost to repair it is astronomical. There are many ways it…
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One Debt | Take The First Step | download

How Debt Review Can Benefit You?

So, you’ve heard about debt review but you aren’t sure this is for you? If you’re struggling to make ends meet and try avoid end-of-the-month phone calls from your creditors, perhaps you need to rethink your position. A large percentage of our country is considered over- indebted. This means that they have so much debt…
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