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Bankruptcy

Manos Legal Services > Bankruptcy (Page 2)

GasBuddy = Gas Savings

[ad_1] Now more than ever clients and ordinary people are trying to save money any way they can.  People will seek out obvious ways to save such as eliminating eating out or for me, stop coffee purchases. But what about looking for not so obvious ways to save money? Gas is one of those necessary expenses we think we have no control over the price we pay. But, that may not be true. There is a service called GasBuddy. It is a free application you may download on your phone or use through their website to check the lowest price of...

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Federal Workers: How to Protect Your Finances During the Government Shutdown

[ad_1] If you’re a furloughed government employee, you are likely feeling a good deal of stress and uncertainty about how to manage your finances during the government shutdown. While missing a paycheck is a financial moment no one wants to experience, there are many ways you can keep your financial health intact. There’s no need to panic just yet: use this time to take stock of the situation with these five steps. Determine your priority payments – and pick up the phone To start, take stock of your current financial responsibilities. Figure out what bills need to be paid now and what...

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Rescission & Bankruptcy

[ad_1] Rescission, what is it and what does it have to do with bankruptcy? 11 U.S.C. § 524(c)(4) outlines the basis for rescission but it really does not identify what rescission does for you. A rescission breaks or cancels a promise to pay and it is completely legal IF performed according to 11 U.S.C. § 524(c)(4). Clear as mud? Let’s break it down even further. When you file for Chapter 7 relief you may be asked to reaffirm on such things as a house or vehicle note. There are reasons you may or may not want to reaffirm those notes but for...

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Can Gratitude Fix Your Relationship With Money?

[ad_1] When you’re trying to get your financial house in order, it’s easy to get lost in the specifics. You might stress about how to adjust your budget, where to find some extra cash for the holidays or what funds to choose for your portfolio. But sometimes, making the right financial choices will only take you so far.  Many of us have deeper issues with money – issues that can’t be resolved with spreadsheets or budgeting apps. As much as we might like to think that our financial choices stem from cold logic, they’re more likely to come from emotion. It’s...

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Saving for College? Here’s What You Need to Know

[ad_1] The average student loan debt is currently $37,172, racking up over $1 trillion in student debt nationally — and this number is only expected to grow. As a parent, this may spark some worry about your child’s financial future. You want them to establish good money management habits like building credit and avoiding debt, but with so many financial hurdles, the prospect may seem insurmountable. The good news is that with some proper education and planning, you can start saving for college and set your child up for a quality education that won’t break the bank. Here’s how. Anticipate Your Savings...

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How to Reassess Your Spending Plan in 7 Steps

[ad_1] Just like how your needs and preferences change, so do your spending and saving patterns. In turn, budgets are living, breathing things. With that in mind, the end of year is the perfect time to take a deeper look at your money situation and make changes to your spending plan. After all, how can you get to your destination without an up-to-date roadmap? Here are steps to take to review your spending plan, and make tweaks accordingly: 1. Account for Changes in Living Expenses If you’re feeling a bit of a squeeze with your budget, there are greater forces at large. It...

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Top Tips to Save on Big Purchases

[ad_1] Living an ultra-frugal lifestyle can get exhausting. It feels good to save money, but some people take it to extremes that border on compulsive. When you find yourself scouring the internet to find a coupon for 10% off a tube of toothpaste, it’s probably time to reevaluate your priorities. But there are times when extreme frugality actually pays off, such as when shopping for a large purchase. The 10% coupon that seemed so silly to use on toothpaste could be worth hundreds if used on a couch from West Elm. Getting as little as 3% cash back on a new...

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How to Keep Your Home Safe From a Major Snowstorm

[ad_1] The holiday season is upon us, and if you’re like most, you may be tempted to deck your halls with all the trappings of the season. But before you do, it’s worth remembering that the holidays have the potential to bring some not-so-merry tidings. Between the numerous parties, the abundant cooking, the entertaining and the traveling, your home faces more hazards during the holiday season than you may think.   Here are six ways you can protect your home, family and finances during the most wonderful time of the year.   Tend to Your Tree   The centerpiece of your holiday décor —...

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Newly Unemployed? How to Get Your Money Situation in Order

[ad_1] Staying on top of your finances when you have a steady paycheck is one thing, but if you’re in between jobs, that’s an entirely different story. It may be far too easy to bury your head in the sand, and momentarily escape from your sorrows by stress-eating sweets. When I was unexpectedly let go from a contract job a few years ago, for the first time in my adult life I was without a full-time job. It’s easy to feel like you’re life is spinning out of control, and to let your finances go on the fritz. However, there are...

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Everything You Need to Know About Opening a Savings Account

[ad_1] A savings account is a secure place to store your money that earns a small percentage of interest annually while your funds grow towards your long-term financial goals. Everyone’s savings needs are different. Whether you’re saving for a plane ticket or house down payment, or need easy access versus wanting to stow cash away untouched, it’s important that you do a little research to find a savings account that’s right for you. Benefits of a Savings Account If you’re going to start diligently portioning part of your income to savings every month, you should consider  finding a savings account that maximizes...

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