💡 Learn how to WIN WITH DEBT — not be controlled by it.
Welcome. This is a resource for debt education and credit literacy in the real world.
Here's what you'll find on this channel:
📌 Debt management and repayment strategies
📌 Smarter borrowing principles and how loan approval process works
📌 Your rights as a borrower, even during difficult times
📌 Building and protecting your credit file and credit score
📌 Debt relief options when facing financial hardship
I bring 15+ years of experience in credit risk management, lending policy, portfolio and collection strategy — translated into clear, actionable content for everyday borrowers.
There are also publicly available info on creditsmart and moneysmart website
🔔 Subscribe and 💬 Drop your comments.
⚠️ Disclaimer: All content is for educational & informational purposes only. It does not constitute personal financial, legal, or credit counseling advice. Please consult a qualified professional for advice specific to your situation.
Novah Oula — Win With Debt
Mortgage stress or mortgage default? Check the difference in this latest video. If you enjoy the video, please don't forget to like or comment so it can reach others too. Really appreciate. Have a great week
https://youtu.be/SrGGUtXM_1E
2 months ago (edited) | [YT] | 0
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Novah Oula — Win With Debt
Have you had a chance to review any of my latest videos? I’ve got a favour to ask! If you enjoyed any of them, please double check that you’ve liked the video and if possible comment!
That’s a small way you can help me carry on doing this so I know which topics to focus on❤️🙏 really appreciate you!
2 months ago (edited) | [YT] | 2
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Novah Oula — Win With Debt
📢 New video is LIVE.
Most people think when their mortgage repayment becomes unaffordable, they have two options — pay it or don't.
There is a third option. It's called a loan restructure.
But here's what I want you to understand before you ever make that call — the relief has a cost. And that cost is something every homeowner with a variable rate mortgage needs to see clearly.
In today's video I walk through:
✅ How variable rate mortgages are actually designed to work
✅ What a loan restructure is — and what it isn't
✅ Three real scenarios on a $1M loan — and a $659,000 difference between two of them
✅ What a restructure means for your credit report (and how it compares to the alternative)
✅ A practical framework for what to do if your repayments are becoming difficult to manage
This one is for everyone carrying a variable rate mortgage right now.
Watch it here 👇
https://youtu.be/cxgwsnq2JEs
2 months ago (edited) | [YT] | 2
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Novah Oula — Win With Debt
Today I have released a video on Buy Now Pay Later (BNPL). Let me know your thoughts
https://youtu.be/Q8_fXoocIoQ
3 months ago | [YT] | 1
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Novah Oula — Win With Debt
Have you seen the latest video: “Written Off" Doesn't Mean What Most People Think It Means
https://youtu.be/rDfz9HS3g18
3 months ago | [YT] | 0
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Novah Oula — Win With Debt
Just released a new video today...reason why debt collection exists
https://youtu.be/PrXRVsCQljA?si=BXJiR...
3 months ago | [YT] | 0
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Novah Oula — Win With Debt
New video released today..
Why Even Responsible People Fall Behind on Their Loans
https://youtu.be/bkrvnSb52ww
5 months ago | [YT] | 1
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Novah Oula — Win With Debt
New video is live 👇
https://youtu.be/10mudCDEyUI
Be honest…Have you ever taken a loan and later realised you missed something in the agreement?
What was it?
Hope you enjoy listening. Let me know your feedback
6 months ago | [YT] | 1
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Novah Oula — Win With Debt
⏰ Quick question:
Do you think ignoring a loan pauses what the bank does in the background?
Because… it doesn’t.
New video is live — breaking down what really happens when a loan is ignored.
👉 Watch here:
https://youtu.be/Zmp2BDgShGI
6 months ago | [YT] | 1
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Novah Oula — Win With Debt
Most people don’t realize they’re overcommitted until it’s already costing them.
What was the first sign you noticed — or are you not sure yet?
I just shared 5 early signs most people miss 👀
Watch it here 👇
5 Early Signs of Over-Commitment Most People Miss
https://youtu.be/hf4l5Q4Gt5I
6 months ago | [YT] | 2
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