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Bankruptcy

Manos Legal Services > Bankruptcy (Page 6)

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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We Earn $200,000 and Can’t Save. Help!

[ad_1] Mia, 35 and her husband Luke, 36, earn a combined $200,000 per year. But after paying their mortgage and rental property loan, as well as car and student loans, child care, and other living expenses, the Los Angeles couple has a difficult time socking away money in savings. They do have about $10,000 in a rainy day account, which could cover their expenses for about one month. But adding to the account has been proving difficult. Luke feels confident that if they ever run into a serious financial bind, they could always take advantage of their low-interest home equity line of...

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Mint Feature Highlight: New Credit Utilization View

[ad_1] Hi Minters! Kyle here from Mint’s product team. I wanted to share with you one of our newest feature updates that we hope you have already discovered. One of the biggest impacts to your credit score is your credit utilization ratio. That sounds really intimidating, but it’s actually a simple calculation of the total amount you use on your credit cards (your balance) divided by your credit limit. Knowing where you stand is a key factor in making good spending decisions.That’s why we wanted to make it really simple for you to go in and see how you’re doing with each...

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How to Make Use of Abundant Seasonal Produce [Video]

[ad_1] [youtube https://www.youtube.com/watch?v=6lxwtJFT5D4?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. Summer is in full swing and ripe with fresh produce! This is my favorite time of year to shop seasonally, because there is an abundance of fruits and vegetables in season all at very low costs. Walk into any grocery store and there are likely to be sales...

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