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Manos Legal Services > Our Blog (Page 5)
15 November
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The Scariest Things to Happen to Your Budget

Posted by flutter
in Bankruptcy

[ad_1] I’ve been kicking around an idea for a scary movie. The main character leads a fairly normal life with a stable job, an affordable apartment and a partner to share expenses with. Things are going well. Then one day, they try to make a deposit at the bank – and there’s no record of an account by that name. When they show up to their job, that position no longer exists. Every trace of financial identity has vanished, and the character’s life spirals out of control until they eventually end up in a homeless shelter. Maybe that’s a terrible idea for...

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11 November
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How to Save Money in Just 6 Simple Steps

Posted by flutter
in Bankruptcy

[ad_1] You probably already know you need to save more money — but where do you start? The thought of stockpiling away funds isn’t glamorous, but learning some simple tricks for how to save money as early as possible will be beneficial in the long run by establishing good habits. And it’s easier than you may think to save money. Just a few strategic decisions is all you need to set yourself up for financial success. Before you know it, you’ll be hitting your savings goals with minimal effort. 1. Set Yourself Up With the Right Type of Account Savings accounts provide a...

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07 November
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5 Top Habits to Help You Stress Less About Your Finances

Posted by flutter
in Bankruptcy

[ad_1] If your finances are a constant source of stress and anxiety, you’re certainly not alone. In fact, 40 percent of American adults say they would have a tough time covering an unexpected expense of $400 or more, according to the Federal Reserve’s Report on the Economic Well-Being of U.S. Households in 2017. Furthermore, 1 in 10 adults says they struggled to pay their bills at least once in the past year due to varying income. A sobering truth bomb? Reducing financial stress when you don’t make enough is nearly impossible, explains Emily Guy Birken, author of End Financial Stress Now....

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03 November
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How to Set Yourself Up for Success During the Holidays

Posted by flutter
in Bankruptcy

[ad_1] What’s in store for your credit this holiday shopping season?  Holiday shopping season is upon us. Whether you’re looking for a good deal on something you’ve wanted for a while or finalizing a list of gifts, there’s one thing you may not be paying enough attention to: your credit. Fortunately, we’re here to help with some pointers for you, whether your credit is in good shape or might need some work.  If you already have good credit… If you already have good credit, congratulations. That’s a real achievement for which you should be proud. Here are a few things to consider as...

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30 October
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10 Ways to Save Money on Halloween Decorations

Posted by flutter
in Bankruptcy

[ad_1] If you live a frugal lifestyle, holidays can test your commitment to thriftiness. It feels silly to spend money on decor, tableware and lawn ornaments that only come out for a few weeks a year. But that’s the point of a holiday – spending time and energy to celebrate a fleeting moment, regardless of how pointless it might seem. The good news is, tricking your place out for Halloween can be a cheap treat if you approach it the right way. Here are some of our best tips from frugal experts. Hit Up Craft Stores Justin Pritchard, CFP of Approach Financial Planning...

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26 October
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How to Keep Your Budget in Check this Holiday Season

Posted by flutter
in Bankruptcy

[ad_1] Ah, the holidays. Amid the cheer, festive gatherings with loved ones, and stress from the inevitable craziness, if not careful, they could put a serious dent on your credit cards. While it’s certainly not news that the holidays happen every year, they do have a way of unexpectedly creeping up on us. However, with a bit of prep, you can avoid those cringeworthy “overspend” moments, and avoid suffering from holiday debt hangover. Here are some ways to keep your spending in check this time around: Create a Holiday Spending Plan You may have a budget, or spending plan, for your your day-to-day...

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22 October
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Fall Into These Good Credit Habits

Posted by flutter
in Bankruptcy

[ad_1] Good habits are the foundation of a stable life. Little things like exercise, hygiene, meditation and reading can have a tremendous impact if done consistently. It’s about taking a holistic approach to improving and maintaining yourself day in and day out.  The same holds true for your finances. By forming a system of healthy habits, you can avoid the stress that most people associate with managing their money. You may still have setbacks and downturns, but the road to your financial goals will be smoother and less complicated.   The best way to start is by paying closer attention to your credit...

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18 October
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How to Kickstart an Emergency Fund

Posted by flutter
in Bankruptcy

[ad_1] Besides having a spending plan and saving for retirement, one of the major tenets of financial wellness is to have a healthy emergency fund. But the reality is that when you’re juggling multiple financial priorities—or simply have a rough time covering your bills each month—building the recommended three to six months for the unexpected is super challenging.   I remember when I was making $30,000 at my first full-time job. While that doesn’t seem like terrible pay, living in Los Angeles can be pricey. With rent on my tiny studio apartment in West L.A. devouring about a third of it, I...

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14 October
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Is $1,000 Emergency Fund Enough?

Posted by flutter
in Bankruptcy

[ad_1] People tend to latch on to the wisdom of the most prominent experts in any field. In the case of personal finance, the most famous expert is probably Dave Ramsey. One of his key pieces of advice is to save $1,000 in an emergency fund before paying off any high-interest debt. That’s good advice, but some people end up taking it the wrong way. They assume that $1,000 is the most they need to save, rather than a baseline. For some people, that might be enough – for others, it’s not even close. The amount you need depends entirely on your...

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10 October
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Insurance When You’re a Freelancer

Posted by flutter
in Bankruptcy

[ad_1] When you’re a 9 to 5er, it’s easy to take your company’s benefits for granted. And now that you’re a freelancer, one of the things you need to tend to is creating your own benefits package. Plus, as an army of one, self-employed solopreneurs bear the risk of higher uncertainty—hello, feast or famine! It’s even more important that you insure yourself against any potential perils you may face. Here are key types of insurance sole proprietors should consider: Health insurance Medical bills can get very expensive, very quickly, points out Tyler Dolan, a CFP and financial planner at Society of Grownups. Take it...

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