Life after bankruptcy can really be all you dreamed. You no longer have to see a portion of your paycheck taken in a garnishment. You no longer have to live in fear that your car or house will be sold out from under you. You no longer have to put up with incessant calls from your creditors.
However, to make sure that you can keep living the life you want to, you must protect yourself from getting into debt again. I'm sure you remember how easy it was for you to get into debt the first time. Remember, it could be that easy or easier the second time. So, what can you do to avoid that terrible fate?
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You can start by looking for things you can cut out of your budget. The best method for determining what to cut out is to keep track of everything you spend money on for a week. Just keeping track of what you are buying may open your eyes to what you are really spending money on.
Perhaps you weren't aware how much you spent on going out to eat or how many movies you went to see last month. It's possible that you didn't know how much those midnight candy bars were adding up. Finally, with an accurate assesment of your financial status, you can choose what to keep and what to cut.
Keep in mind, though, don't start to cut down on your necessities just to spend money on things you don't really need. Of course, food and clothing are a must. Always keep up on your home and car payments and especially the insurance for both.
Many people who have taken pay cuts or even job losses have decided to cut their spending money by buying the cheapest insurance policies. Little do those people know that buying the bare minimum insurance coverage forces you to sacrifice the well being of your family and only saves you a few dollars a month.
Saving money and staying out of debt isn't as simple as not buying that copy of the Enquirer at the gas station. It involves a lifestyle change. The goal of a great bankruptcy attorney in St. Louis is to get rid of the burden of debt AND make sure you don't experience it again. Just by spending responsibly you can avoid putting your family in a position where they need protection from foreclosure, credit card debt help, or relief from harassing creditors ever again.
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