Liyana Noorsam - Debt Consultant

10/03/2026

You are paying more interest than your principal loan, if you’ve been paying minimum repayment every month. Money lenders have the highest interest of 48% - that means, it’s even harder to get out of the debt trap!

Speak to our debt consultants today on how we can obtain a permanent freeze on your interests so your loan does not grow! ZERO interest.

Pay your debts based on your affordability, by prioritizing your family expenses first. We can help you enroll into the government scheme to get help and stop creditors from harassing you ever again.

Book a free consultation with us today!

25/09/2025

In Singapore, credit cards are a popular financial tool, with 73% of Singaporeans owning at least one. While credit cards offer convenience and rewards, they can also lead to financial stress if not managed properly. Many cardholders have experienced the frustration of paying high-interest rates on outstanding balances. These rates, often exceeding 25% per annum, can quickly accumulate, turning a manageable debt into a financial burden.

To avoid this trap, it's crucial to pay your balance in full each month, budget wisely, and take advantage of balance transfer offers with lower rates. Remember, credit cards are a double-edged sword—use them responsibly to enjoy the benefits without falling into a debt spiral. By staying informed and disciplined, you can make your credit card work for you, not against you.

Need help?

✅ Chat with us for a non-obligatory consultation today. Link in bio 🔗

18/06/2025

Feeling overwhelmed by debt? Take control of your finances with these smart steps:

📊 Start Budgeting – Track your income and expenses to understand where your money goes.
✂️ Cut Out Extra Expenses – Reduce unnecessary spending on luxuries and subscriptions.
🚫 Stop All Investments – Focus on clearing your debt before putting money into new investments.
❌ Do Not Add More Debt – Avoid taking new loans or credit cards to prevent worsening your situation.
💰 Find a Way to Increase Your Income – Consider side gigs, freelancing, or asking for a raise to boost your cash flow.
📉 Begin to Work on Debt Solutions – Explore options like debt consolidation, negotiation, or repayment plans.

Taking proactive steps now can help you regain financial freedom. Seek professional advice if needed, and stay committed to your debt-free journey!

✅ Chat with us for a non-obligatory consultation today. Link in bio 🔗

18/06/2025

Debt can quickly become overwhelming, impacting both your finances and well-being. If you find yourself in any of these situations, seeking professional help might be necessary:
1️⃣ Struggling with Minimum Payments – If you can’t meet even the minimum payments, your debt is growing faster than you can manage.
2️⃣ Avoiding Creditor Calls – Ignoring calls won’t make the problem disappear. It may lead to legal action or further financial strain.
3️⃣ Fear of Sn*******ng Interest – If interest is piling up faster than you can pay it off, you may need strategies like debt consolidation or refinancing.
4️⃣ Family Conflict Over Debt – Money issues often lead to tension at home. If debt is causing frequent arguments, it’s time to seek help.
5️⃣ Feeling Stressed or Depressed – If financial worries are affecting your mental health, professional financial counseling can provide relief.
Taking action now can prevent your debt from spiraling out of control. Seek help and regain financial stability today. ✅ Chat with us for a non-obligatory consultation today. Link in bio 🔗

18/06/2025

Debt trouble doesn’t usually appear overnight; it’s often preceded by subtle warning signs. Here are six early indicators that you may be heading toward financial trouble and ways to avoid it.
Struggling to Save Monthly: If you can’t set aside savings, it’s a sign your expenses are consuming your income. Avoid this by creating a monthly budget to track and cut unnecessary spending.
Partial Credit Card Payments: Not paying your full balance means accruing interest, leading to debt growth. Aim to pay off the entire balance each month to keep interest charges from sn*******ng.
Credit Limit Exceeded: Declined transactions due to maxed-out cards signal credit dependency. Consider reducing credit card usage and relying more on cash or debit payments.
Missed Due Dates: Frequently late on bills? This can damage your credit score. Set up automatic payments or reminders to avoid missed deadlines.
Impulse Spending: Buying items impulsively, especially in malls, can strain your budget. Practice mindful shopping by sticking to a list and waiting 24 hours before non-essential purchases.
Borrowing for Urgent Needs: Needing a loan for essentials indicates financial instability. Build an emergency fund by saving small amounts each month, so you’re prepared for unexpected expenses.

✅ Chat with us for a non-obligatory consultation today. Link in bio 🔗

09/06/2025

Choosing between a 5-year and a 15-year repayment plan can have a significant impact on your financial health. Let's explore the differences:
A 5-year repayment plan typically results in higher monthly payments but lower overall interest costs. For example, on a $100,000 loan at 5% interest, monthly payments would be around $1,887, with total interest paid of approximately $13,200.
In contrast, a 15-year repayment plan would have lower monthly payments but higher overall interest costs. Using the same example, monthly payments would be about $790, with total interest paid of around $42,600.
While the 5-year plan can save you a substantial amount in interest, it may not be feasible for everyone due to the higher monthly payments. The 15-year plan offers more flexibility but comes with a higher cost over time. Consider your financial goals and capabilities carefully before making a decision.

✅ Chat with us for a non-obligatory consultation today. Link in bio 🔗

21/05/2025

✅ Chat with us for a non-obligatory consultation today. Link in bio 🔗

16/05/2025

Getting out of debt is a significant financial milestone, but it shouldn't be your sole focus. Shifting your mindset about money is equally crucial. This shift ensures that you not only escape debt but also remain debt-free. Cultivate financial discipline, budget wisely, and invest in financial education. Understand the value of delayed gratification and the importance of saving for the future. When you couple debt reduction with a changed perspective on money, you're not just escaping a financial burden; you're embracing a financially secure future. Make holistic financial well-being your goal, not just debt elimination.

✅ Chat with us for a non-obligatory consultation today. Link in bio 🔗

16/05/2025

Financial struggles can feel isolating, but you don’t have to face them alone. Many people are going through similar challenges, and seeking support can make a significant difference. Start by talking to trusted friends or family members; sharing your concerns can relieve some stress. Consider reaching out to a financial advisor or counselor who can provide professional guidance tailored to your situation. Community resources, such as non-profits and local government programs, offer assistance with budgeting, debt management, and financial planning. Online forums and support groups can also provide a sense of solidarity and shared experience. Remember, financial difficulties are often temporary, and taking proactive steps can help you regain control. By connecting with others, you can find the encouragement and practical advice needed to navigate tough times and work towards a more secure financial future

✅ Chat with us for a non-obligatory consultation today. Link in bio 🔗

11/05/2025

11/05/2025

At Edudebt Singapore, our mission is to support you in managing and optimizing your financial health. While we do not offer loans, we provide a range of essential services tailored to help you navigate the complexities of debt management. Our expert advisors can assist you in creating a personalized financial plan, helping you budget effectively, and offering strategies to pay off existing debts more efficiently.

We also offer educational resources to enhance your financial literacy, empowering you to make informed decisions about your money. By focusing on long-term financial stability, we aim to guide you toward a debt-free future. Reach out to us for tailored advice and solutions that align with your financial goals. Together, we can work towards a secure financial future, without the need for additional loans.

✅ Chat with us for a non-obligatory consultation today. Link in bio 🔗