Spending, Saving, Credit Counseling or Bankruptcy? How to Get ...

Learn the Good, the Bad & The Ugly

If you don?t know what you owe, that is a bad thing. ?It?s hurting your credit, you?re probably overpaying on late fees, interest and other penalties. Take the time to pull together your bills, make some calls and get online and learn everything ? no matter how good, bad or ugly about your financial situation.

Change Your Lifestyle

The hardest part about being financially responsible? Changing the behavior that got you into trouble in the first place! If you?ve overspent, are not sticking to a budget, or have racked up debt on credit cards or elsewhere, now is the time to take a hard look at where things went wrong and changing what you?re doing to get them back on track.

Be Smarter About Your Spending

No you don?t have to become a crazy coupon person like the folks on reality TV. But you can become a smart shopper who saves hundreds, or even thousands of dollars a year by using even just a few coupons, as well as price matching, shopping sales and more. ?My husband and don?t HAVE to use coupons we CHOOSE to because it saves an incredible amount that enables us to save and do more with our budget.

Save for a Rainy Day

In this tough economy, many live paycheck to paycheck, I admit, my husband and I used to as well. But the truth is you need to save, even when dollars are tight. It doesn?t have to be much, even a few dollars a week can make a difference. Start with putting all your pocket change in a jar and letting it add up. Then try to save even just $5, $10 or $25 a week and put it into the back. While it seems small, it adds up quick, and you?ll have a little bit of a cushion should something happen.

Call in Reinforcements

Overwhelmed by your debt situation and not sure even where to begin? It may be worth it to consult a?professional. Whether you look for a?Gretna bankruptcy attorney, a financial planner, credit counselor or another professional, sometimes it can pay to call in a professional for an expert opinion.?

Know Your Options

If you have a large amount of debt, you might need to take actions more than just paying the payments. This can be especially true if you?re facing foreclosure or bankruptcy. Make sure you fully understand what you owe and to whom, and then spend time investigating your options to find out what the best steps might be to get your debt under control.?

Source: http://twokidsandacoupon.com/2012/07/spending-saving-credit-counseling-or-bankruptcy-how-to-get-your-finances-on-track-before-fall.html?utm_source=rss&utm_medium=rss&utm_campaign=spending-saving-credit-counseling-or-bankruptcy-how-to-get-your-finances-on-track-before-fall

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