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Three Financial Tips for the New Year

change-1-1563676-640x480Every day, credit counselors and bankruptcy lawyers meet with people that are struggling to make ends meet. Let’s take at some of their tips and advice to help you get a grip on your finances.

Take control of your expenses. If you throw away your receipts, start keeping them and make a record of where every single cent is going. Far too many people fail to understand where their hard earned money is going.

Stop waiting. If you’re falling behind on something like your mortgage, the earlier you decide to get help, the better your chances of having something worked out. Unfortunately, there probably isn’t much a bankruptcy lawyer or credit counselor can do for you if you’re many months behind on your payments.

Reach out to your creditors. Remember that your creditors prefer to receive some money instead of nothing at all. If you’re having financial problems, contact them and see if they’re willing to reduce your interest rate or what you pay every month. They may not advertise them, but many banks and credit card companies have hardship programs to help you out.

This information is provided by Miami bankruptcy lawyer Alonso, Perez & Santos, LLP.  Our areas of practice include bankruptcy, insurance litigation, debt harassment, credit card defense, foreclosure defense, immigration law, condominium law, business start-ups, and more.  Call 305-676-7545 to speak with one of our attorneys and receive a free consultation including a Miami insurance attorney.  We look forward to working with you.

This information is provided for educational or informational purposes only and should not be construed as legal advice. The information is not provided in the course of an attorney-client relationship and is not intended to substitute for legal advice.