Value of consolidating credit card debt tool
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But it would be true for many people in debt, and the remedy for them is behaviour change – such as learning to live on less – not more debt.People who apply for a debt consolidation loan are either already financially stressed or in danger of going that way.At a glance, it seems a great idea, giving both interest savings and better cash flow. Penwarden says despite the interest saving each month, the reason you pay R3 500 less each month is that, instead of repaying your debts over three, four or five years, you are now extending that same debt to 20 years (the notional period of your bond).This means that in the long run you will pay much more interest on that debt. “The only way to prevent this is to pay as much of the ‘extra’ R3 500 into your bond every month as soon as you can afford to,” Penwarden says.For people who are in danger of defaulting on their loan repayments, Penwarden says debt consolidation may be their only option.
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Savvy debt consolidation and debt management is all about reducing the amount of interest and monthly charges you are paying on your debts.Critics of debt consolidation say it’s a “con” because it dupes you into thinking you’ve done something about your debt.In fact, your debt is still there – you’ve just moved it, they say.And the habits that landed you in debt probably haven’t disappeared either.
That may seem harsh, and it wouldn’t apply to people who have landed in debt due to retrenchment or reckless lending.
In this scenario, your monthly cash flow saving would be about R3 500 (the difference between what you were paying to service all your debt before consolidating it and what it would cost you after doing so).
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