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The decision to file for bankruptcy is one that may take a lot of time and thought.  It often comes at a very difficult time in one’s life.  The stress and uncertainty about the anticipated results as well as the fear of what the future will look like only adds to the difficulty.  Without the+ Click Here For Read More
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There are countless reasons why millions of individuals and couples file for bankruptcy. While there are other options available for eliminating or managing debt, bankruptcy offers several advantages. Whether you are struggling with enormous credit card debt or your home is in foreclosure, bankruptcy could offer you the tools and protection necessary to reestablish your […]
The post What are the Top Reasons to File for Bankruptcy? appeared first on The Bankruptcy Group, P.C..

Laurie Blank of Clark.com reveals smart tips on how to avoid spending & start saving when on a tight budget! No matter your budget, here are 4 tips to ensure you are adding to your savings account every paycheck.

1. Create & Adhere To A Budget: Believe it or not, a budget will give you more control of your spending, not less. Along with a budget, make sure you track every single purchase. Once you start to budget and track your spending, you’ll be able to see where your money goes.
2. Make Saving Non-negotiable: Treat your savings like it’s a bill. Imagine your savings as a credit collector who comes to your door to collect their money. The second you get your paycheck, add your savings right then and there. Laurie Blank writes, “You would never let a car payment, house payment, or rent go unpaid… Have that same attitude with your saving. Treat it like a bill, and pay yourself first — even if it’s just 1%-2% of your income each payday.”
3. Reduce Unnecessary Expenses To Increase Savings: If adding money to your savings every paycheck is becoming difficult, you may need to cut down on some unnecessary expenses. Go through your bank statements and cut down on the monthly expenses that you rarely use. You don’t need Hulu, Netflix, HBO Max, Disney Plus, AND Amazon Prime. Instead, narrow it down to 1 or 2 streaming services. Also, do you find yourself eating out a lot? That’s usually around $11-15 for a meal plus a 20% tip for your server. That turns into $15-20 for lunch every day. Make your lunch at home a few times a week and you’ll see a lot more money in your bank account.
4. Put “Found” Money Into Savings: ‘”Found’ money is money you didn’t plan on having in the first place”. Some examples of “found” money are tax returns, birthday money, Christmas money, the money you found in your jean pocket, the money you receive from selling used items, etc. Since it is extra money, promise yourself to use it for good and put it in your savings.

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After Bankruptcy: Please Don’t Go Right Out and Don’t Co-Sign for a Car Got an email last week that made me sad.  Cherry filed Chapter 7 bankruptcy back in 2017.  She recently went to buy a car and ended up getting financed by Santander at 21%. After she did that, she asked why is her […]
The post After Bankruptcy: Please Don’t Go Out and Co-Sign for a Car by Robert Weed appeared first on Northern VA Bankruptcy Lawyer Robert Weed.