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Freez 'hem Worldwide LLC

When will you stop overpaying interest for others?

Each campaign targets a specific habit draining your income. Choose your priority area and schedule a free session. Consultations are strictly confidential and conducted in English, French, or Lingala.

Book a Free SessionNew to the USA? Start with WHIFEN
Godefroid Duma, financial educator and founder of Freezhem
01

#ClaimBankOverdrafts

Learn how bank overdraft fees work, how to get them refunded, and how to never pay one again. The campaign was launched in 2021 by Freez 'hem Worldwide LLC and is known in Lingala as "Mayi ekufela mbua."

$15.5Bcollected in overdraft and NSF fees by banks and credit unions in 2019
$35the typical overdraft fee, often on a purchase of a few dollars
$380paid per year by a frequent overdrafter, on average
3.5MUS households that once had a bank account and no longer do

Source: Consumer Financial Protection Bureau, "Overdraft fees can price people out of banking," March 30, 2022. Read the article.

  • How a $35 fee on a $4 coffee is legal, and how to challenge it
  • The script to call your bank and ask for a refund
  • Settings that stop overdrafts before they happen
  • Where the money goes instead: your own financial house
Claim My Overdrafts
02

Creating Your Own Bank

Code Blue: 401k and All the Above

This campaign serves youth, nurses, and professionals who prioritize care for others over themselves. A 401(k) or 403(b) is just a tax code, not a financial plan. Direct your earnings into financial vehicles that provide liquidity during active investment opportunities and guaranteed returns in retirement.

  • Why a 401k alone leaves gaps when those moments happen
  • How to use other people's money while yours keeps growing
  • Protection first: life insurance that builds cash value
  • A plan for nurses, teachers, drivers, and small business owners
Start My Own Bank
The Duma family
03

Planning Ahead

Be better prepared with Freezhem when life changes.

Getting married

More responsibilities.

Buying a home

Down payment, credit, and the costs.

A new baby

Secure your child's financial future.

New arrival in the USA

The first year decides the next ten. See WHIFEN.

Plan With Freezhem
The Duma family
04

Debt Management

Compound interest will either destroy your finances or build your wealth. Learn how to leverage other people's money to build your own assets.

  • Which debts to attack first, and which to keep
  • Consolidation and mediation, explained without jargon
  • How compound interest works for you once you switch sides
Connect for Relief With a Debt MediatorRegister to Reduce My Debt
$380paid per year by a frequent overdrafter, before any other debt
3 in 4overdraft fees are paid by people charged more than 10 times a year

Not sure where to start?

Tell us your financial challenges and needs. One free conversation, and you leave with your first step.

Book a Free SessionCall (217) 766-1507