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Bankruptcy

Manos Legal Services > Bankruptcy (Page 5)

How to Build a Wardrobe for Your First Job After College

[ad_1] Once college is over, the possibilities are endless… but the money in your bank account may not be. When you’re diving straight into the job market from campus life, you may quickly realize you don’t have enough professional clothes to carry you through your first job. Fortunately, you don’t have to break the bank to look the part. With a little creativity and planning, you can build a grown-up wardrobe on a post-grad budget. From strategically purchasing mix-and-match basics to shopping secondhand, these tips will help you create a job-ready wardrobe that’s both functional and fashionable.Evaluate Your Current ClosetThe first...

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WTFinance: What is Savings?!

[ad_1]Even the most airtight budget can be caught off guard by unexpected expenses. What do you do when you’re hit with a large bill that needs to be paid immediately? Setting up a savings account and contributing to it regularly can save you a lot of worry down the road.50/20/30 BudgetIf you’re not sure how to start budgeting, a 50/20/30 budget may help. It provides a simple framework for your spending: 50% of your earnings should go toward essential expenses like rent and utilities, 20% should go into savings, and the remaining 30% can be used for personal expenses...

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WTFinance Are These Real Estate Terms?

[ad_1] About to buy a home? Feeling totally prepared?! Ha!   During the homebuying process, there are a ton of terms you’ll encounter that could be confusing or even deceiving. Unless you have the time and expertise to promote your property yourself or look for a new one, you will probably turn to a real estate broker for help. But it’s still important to learn the jargon you’ll encounter along the road of homeownership yourself! It can make the mortgage process less intimidating and provide even more clarity on the timeline of your home purchase.   We’ve rounded up some of the most common...

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Moving Checklist: How to Plan for the Unexpected

[ad_1] My husband and I are meticulous budgeters. Every expense is categorized and accounted for, from our monthly Netflix bill to our yearly charity contributions. We even have separate accounts for discretionary purchases. So when we recently planned to move from our apartment in Denver to a newly-purchased home in Indianapolis, we assumed the budget we’d cooked up would be right on the nose. We were so, so wrong. It’s not that we went over budget by a catastrophic amount, but the amount of surprising little expenses we encountered was staggering. The act of moving your entire life across the country is...

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Summer Closet and Budget Refresh

[ad_1] A new season means it’s time for new clothes. But how do you refresh your closet without blowing your summer budget? Fortunately, you don’t have to sacrifice your trip to the beach just to get that new pair of sandals. Use these tips to create a budget and strategically plan out your purchases.   Sell What You Don’t Need If you’re working with almost no budget, turn your old clothes into cash for new ones. Go through your wardrobe, gather gently used items you no longer wear and sell them on secondhand sites or to consignment stores. Use the money from these...

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How to Know If You’re Ready To Buy a House

[ad_1] There’s a reason why most people equate buying a home with settling down. Buying a home generally means your life is stable, your job isn’t in danger and you’re probably married or in a serious relationship. If you’ve reached this stage of adulthood, it means you likely have an idea of what you want out of life. Ideally, it also means your finances are in order. But as much as you may want to stop renting and start owning, the home buying process isn’t for the faint of heart. Beyond that, home ownership comes with a host of potential problems and...

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How to Treat Yourself This Summer on a Budget [Video]

[ad_1] [youtube https://www.youtube.com/watch?v=9IzKaIU1kIQ?enablejsapi=1&autoplay=0&cc_load_policy=0&iv_load_policy=1&loop=0&modestbranding=0&rel=1&showinfo=1&theme=dark&color=red&autohide=2&controls=2&playsinline=1&&w=480&h=270]Welcome back to the collaboration between Mint and Brewing Happiness. I’m Haley, the girl behind Brewing Happiness – a blog about celebrating the small healthy choices we make in our lives, complete with recipes for everybody!  I’m here to give you tips on living a healthy, happy life on a budget.   If you’re lucky, summertime also means more free time and a more relaxed mentality. Weather you’re heading to the beach, laying by the pool, or just hanging in your backyard with friends – summer is the perfect time to chill out and treat yourself. However more playtime usually...

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Home Ownership vs Renting As A Minimalist Lifestyle Decision [Video]

[ad_1] [youtube https://www.youtube.com/watch?v=phV1SV1Pc-Y?enablejsapi=1&autoplay=0&cc_load_policy=0&iv_load_policy=1&loop=0&modestbranding=0&rel=1&showinfo=1&theme=dark&color=red&autohide=2&controls=2&playsinline=1&&w=480&h=270]When it comes to buying a home or renting, there are many things to consider. While there are tons of resources on the financial implications of both options, I’d like to share my thoughts on buying versus renting from an intentional living and minimalist perspective. The decision to buy or rent is just as much a lifestyle decision as it is a financial one.Longevity and FlexibilityIt’s important to consider how long you’re planning to be in a certain area and how much location flexibility you need when you’re making the decision to buy or rent. When renting, the...

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How to Master Your Credit Utilization Like A Pro

[ad_1] We all know the importance of having a good  credit score. It’s more than just a number – it’s a representation of how reliable of a borrower you are, and how well (or poorly) you manage your debt. And just like your SAT scores back in high school, it can spark judgment. While most people know that having a good or excellent credit score (which ranges from 720 to 780 and 781 – 850, respectively) is important to your financial health and that it can determine how prospective lenders and landlords use your score as a make-or-break sign of whether...

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8 Money Savings Tips to Pack Your Suitcase Like a Pro [Video]

[ad_1] [youtube https://www.youtube.com/watch?v=SO5jDuBGZUQ?enablejsapi=1&autoplay=0&cc_load_policy=0&iv_load_policy=1&loop=0&modestbranding=0&rel=1&showinfo=1&theme=dark&color=red&autohide=2&controls=2&playsinline=1&&w=480&h=270]If you’re trying to save money on travel every single dollar counts, right? You can hone your flight finding abilities or plan an entire trip around an inexpensive country. But one of the best, and often times most overlooked, ways to save money on the road is by packing wisely and carefully choosing your travel gear. That’s right, the right travel gear can help you see the world for less. Follow my helpful packing tips and make sure your bag includes the following items to save money on airline-bag fees, laundry-service charges, and other expenses.#1 Don’t Buy Cheap LuggageIt may...

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