Debtfree October 2018

Summer is here with a vengeance,
who can even remember what it
felt like to be cold? It is amazing
how quickly your day-to-day
can change. One minute you
are trying to decide what winter
jacket to wear and the next you
are wondering if you can get
away with slip slops at work.
It is somewhat like the transition
from having access to lots of credit,
and then the taps being suddenly
turned off when you reach all your
credit limits. One minute everyone
is friendly, offering you more and
more credit and the next they are
threatening to send you a summons
and dispatch the sheriff of the court
to your house!
For those who make the choice to
enter into debt review before things
get too bad, there is a very short time
period to enter the right mindset. The
challenge being that it is a HUGE
change and we are seldom given
the tools needed to handle the shift
from a “credit” lifestyle to only cash.
This can lead to some unfortunate
challenges (many of which relate to
spending less) and many consumers
begin to blame debt review for the
big changes taking place in their life.
Of course, spending money they did
not have (using credit) was the actual
problem, and the consequence is
unfortunately, having to pay back
the money or face the collections
fallout from credit providers.
The Debt Review process however,
involves paying various parties fees
which you never had to pay before,
since you didn’t need their services.
In this month’s issue, we consider
how paying these fees forms part
of saving money. Sound confusing?
Check out the article and see how
that works. We also have news,
review and advice throughout this
issue.
Now that the weather is warmer,
some of us dig into the back of the
cupboard or into that suitcase and
take out those summer items. Those
shorts, sandals, those thin summers
tops which would never work in
winter. We begin to adjust to the
changes in the environment around
us. Give us another month and we
won’t even be moaning about it
anymore. Humans are adaptable,