GH₵ 110.00
The Debt Management System is a comprehensive toolkit designed to help Ghanaians take control of their debt and create a path to financial freedom. This structured system includes:
Developed with insights from Ghanaian financial advisors, this system addresses the unique debt challenges faced by individuals and families in Ghana's economic environment.
The Debt Management System is a comprehensive toolkit designed specifically to help Ghanaians overcome debt challenges within the local economic context. This system combines practical tools, strategic planning methods, and educational resources to provide a complete debt elimination solution.
This system is designed to be used over time, guiding you from your current debt situation to complete debt freedom with practical, step-by-step instructions. The spiral binding allows the system to lay flat while you work, and the durable construction ensures it will last throughout your debt-free journey.
I had accumulated debt from three different microfinance institutions and was struggling to keep track of payment dates and interest rates. This system helped me organize everything clearly and create a strategic plan. The negotiation scripts were particularly helpful - I successfully got one lender to reduce my interest rate by using the exact words suggested in the guide. In 7 months, I've paid off two loans completely and am on track to be debt-free within a year!
As a small business owner, I had taken on multiple loans to keep my shop running during tough times. This system helped me separate my business and personal debts and create a realistic repayment plan based on my variable income. The case studies of other Ghanaian entrepreneurs were very motivating. I especially appreciate the section on preventing future debt, which has helped me establish better business financial practices. Would give 5 stars if it had more specific guidance for informal business loans.
This system provides a good foundation for getting organized with debt repayment. The visual tracking tools are motivating, and the education on how debt works in Ghana is eye-opening. I chose the Debt Avalanche method and have already saved thousands in interest. I'm giving 3 stars because I wish there was more guidance on dealing with debt collectors and legal issues when you're behind on payments. Otherwise, it's a useful resource.
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