It seems like there is no way to put money aside, even for an emergency fund, if money is tight all the time. There are things that you can do to squeeze every last cent out of your income and be able to start building up savings. Getting creative to save money and put that into savings is one way to get started. Sitting down and recording every expenditure for an entire month will give you a very good picture of where your money is going. Read on →

Debt can feel like a crushing weight that you will never get out from under. There is help. We can help you. But know that even if you file bankruptcy, there will be life after bankruptcy. You can survive this and thrive. Yes, thrive! Bankruptcy can be a way to get a fresh start and get some of those worries off of your shoulders. You can start to create new habits and routines that will get you on the road to financial recovery. Read on →

Starting the process of filing for bankruptcy might seem daunting. What will happen, and how long will it take? Will bankruptcy ease your debt burden and let you get a fresh start? Are you eligible for bankruptcy? These are all questions that can only be answered by your lawyer. Bankruptcy is such an intricate process that it is never advised that anyone attempt to file bankruptcy without a lawyer. Gaining eligibility for bankruptcy will be determined with the help of your lawyer. Read on →

Money and debt are uncomfortable to talk about, especially if you are having trouble managing them. There are steps that you can take to get help if you find yourself under a burden of debt. Most of the time, people want to handle their problems on their own. There are times that reaching out for help is the best thing that you can do. Bankruptcy carries with it some stigma and misconceptions. Read on →

There are times that saying no to the bargain is the best thing to do. If there is something that you are not in the market for on sale, it can sometimes be difficult to pass it up. Taking a few seconds to remind yourself that you don’t need the sale item can help you walk away. It’s also helpful to remember that you will be spending money on this thing, even if it’s a good sale. Read on →

Tax season is upon us! There are many questions you might have regarding taxes and bankruptcy. Depending on the type of bankruptcy you filed, your taxes could be filed differently. If you are thinking of filing for bankruptcy, you should ask your lawyer whether it would be best to file your taxes before or after you file for bankruptcy. This is because some types of debt are considered priority debt and can’t be discharged with bankruptcy. Read on →

Coming back from a bankruptcy can be done. Clearing the slate and getting that fresh start is the first step to recovery. But your work is not done. Here are some steps to start taking to create good money habits that will carry you along the road to recovery. Start saving! Even if you can’t save much, start somewhere. Putting money aside for emergencies is crucial. Having a little bit of financial breathing room will help to keep you on good footing. Read on →

Saving money can be hard to do, especially if you’re already on a tight budget. Here are a few sneaky ways to get money into savings. Even if you’re only able to add small amounts at a time, it will add up faster than you think! Designate a small amount from each paycheck. $10 going into savings each pay period will plump up your savings account quickly. If that is really too rich for your budget, set a smaller amount. Read on →

Considering filing for bankruptcy, but not sure where to start? Chapter 13 saves you from losing your home or other property, and eliminates your debt in an efficient manner. Because the plan is based on your income, it is possible that not all of your debts will be completely paid off during the process, however, all debts remaining will be eliminated. Don’t want to commit? Filing for Chapter 13 bankruptcy is voluntary – meaning you can back out at any time. Read on →

Do you have your holiday shopping done yet? If you’ve waited like most of us, you’re probably still searching for deals, discounts and ways to save money. With consumer spending predicted to increase nearly five percent this year, it’s not uncommon for customers to be on the bargain hunt. Although deals are great, be careful of companies trying to take advantage of consumer holiday spending. Not all deals come with no strings attached! Read on →