Mbali Baloyi (age 39) is currently struggling to manage her monthly debt obligations. She has arranged for a consultation with you, her financial advisor, regarding this matter. As a debt management strategy, you have considered advising Mbali to consolidate her debt. Mbali Baloyi has the following debt obligations: She owns a property located in a complex in Fourways. She originally bought the house in June 2011 for R2 500 000 and 90% of this purchase price was financed using a mortgage bond. Her first monthly payment towards the mortgage bond was on 1 June 2011. This mortgage bond is financed at an interest rate of 8% compounded monthly, over a total term of 20 years. Mbali still has 108 payments left on the mortgage bond. To try and manage her current cash flow problems, Mbali has taken out a personal loan from her bank. The loan of R250 000 was taken out in June 2020 and is subject to an interest rate of 16.5% compounded monthly over a term of 4 years. She has 24 payments left on her personal loan. The purchase of a brand-new Mercedes-Benz A250 in June 2020 has also impacted her personal finances. She bought the vehicle for R670 000, which was financed over a period of 5 years and an interest rate of 9% compounded monthly. She has 36 repayments left on the loan of her Mercedes-Benz. A request to increase Mbalis mortgage bond was sent to her personal banker, which was subsequently approved. This will allow her to pay off the outstanding balances on the two other loans. Her monthly repayments on the mortgage bond will increase from 1 June 2022. Base all calculations on the date of 1 June 2022. REQUIRED: Advise Mbali of the cash flow implications regarding the consolidation of her debt. Motivate your answer with calculations.